Mortgage Calculator

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.

Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

Client's Feedback

bensoneric74

Barry did an outstanding job with negotiating with the seller's agent, teaching me how the home buying process goes, what to look out for, and was just genuinely supportive. Definitely my permanent go to realtor from now on!

dominicsalinetro

Barry is unmatched and the best realtor we could’ve asked for! He worked tirelessly to help my wife and I find our first home, and he made sure we were comfortable and understood every step of the buying process. Also is phenomenal with his negotiation skills, saved us thousands. Highly recommend using him to find your home!

rgrammes77

We had an excellent experience working with Barry at Real of Pennsylvania. From start to finish, Barry demonstrated outstanding professionalism, remarkable attention to detail, and a genuine desire to ensure the very best outcome for us as his clients. He was always responsive, patient, and thorough in explaining every step of the process, which made us feel confident and well supported throughout our journey. It was clear that Barry truly cared about our needs and goals, and he consistently went above and beyond to advocate for us. We are incredibly grateful for his dedication and would highly recommend him to anyone looking for a trustworthy and exceptional realtor.

osnilventura

Working with Barrington Virgo was an excellent experience from start to finish. He is professional, knowledgeable, and truly cares about helping his clients. Barrington took the time to explain every detail, answered all my questions, and made sure everything went smoothly throughout the process.What stood out most was his honesty, patience, and dedication — he really goes above and beyond to make sure you’re taken care of. I highly recommend Barrington to anyone looking for someone dependable and trustworthy. You’ll be in great hands!
Barrington Virgo
Barrington Virgo

Agent | License ID: RS340227

+1(484) 426-3741 | bvirgohomes@gmail.com

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