Housing cash flow

Mortgage calculator

Project a monthly payment from loan amount, rate, and term. Add taxes, insurance, and HOA to approximate a fuller housing budget—then compare to your net pay from the state paycheck tools.

Mortgage payment calculator

Estimate principal and interest on a fixed-rate loan, plus optional escrow-style costs (taxes, insurance, HOA). Not a loan offer; rates and fees vary by lender.

Loan amount (principal financed)

Interest rate (% per year)

Loan term (years)

Annual property tax

Annual homeowners insurance

Monthly HOA / condo fee

Principal and interest: $2,528.27
Property tax (1/12): $400.00
Insurance (1/12): $100.00
HOA: $0.00
Estimated total monthly: $3,028.27
Total interest (principal and interest over full term): $510,177.20

This uses standard fixed-rate amortization. Your lender may quote APR differently, include PMI, or require escrow reserves that change the cash required at closing.

For take-home pay context, open a state paycheck calculator and sanity-check how this payment fits your net income.

Loading payroll tools…