Mortgage Calculator

Estimate monthly payments and assess affordability to find the perfect mortgage fit.

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Mortgage Calculator
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Written by: Tim Devaney

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FAQ: Editors’ answers

The loan term is the duration (in years) that you have to repay the mortgage loan. A longer loan term translates to smaller monthly payments but also means you'll pay more interest overall compared to a shorter loan term.

The interest rate is the annual percentage rate you pay to borrow the money for the mortgage. It is a significant factor affecting your monthly payment amount.

Property taxes are annual taxes levied on real estate properties. The ShePays calculator allows you to input a monthly amount for property taxes.

Homeowner's insurance is financial protection against losses caused by covered disasters or other damaging events that affect your home. You can specify a monthly amount for homeowner's insurance in the calculator.

PMI is an insurance policy that protects lenders if a borrower defaults on their mortgage. It's typically required when the down payment is less than 20% of the home's value. The calculator allows you to input a monthly amount for PMI, but it shows 0 in the example.

HOA (Homeowner's association) fees are monthly or quarterly charges assessed by the homeowners' association to cover the cost of maintaining common areas, amenities, and services within a community. You can enter a monthly amount for HOA fees in the calculator.

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¹Approval Odds are not a guarantee of approval. Credit Karma determines Approval Odds by comparing your credit profile to other Credit Karma members who were approved for the product shown, or whether you meet certain criteria determined by the lender. Of course, there’s no such thing as a sure thing, but knowing your Approval Odds may help you narrow down your choices. For example, you may not be approved because you don’t meet the lender’s “ability to pay standard” after they verify your income and employment; or, you already have the maximum number of accounts with that specific lender.
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