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Mortgage calculator with taxes, insurance and PMI (2026)
Your full monthly payment — principal and interest, property tax, home insurance, PMI and HOA — plus the payoff date and total interest, with the effect of extra principal payments. A $400,000 home with 20% down at 6.76% costs $2,078 a month in principal and interest, about $2,594 with taxes and insurance.
Default rate: 6.76% on a 30-year fixed and 6.09% on a 15-year — the Freddie Mac PMMS national average as of 2026-09-10 (source). Updated automatically every Thursday. Your quote depends on credit score, points and lender.
Your numbers
Result
| Year | Principal | Interest | Balance |
|---|
Payment by loan amount at 6.76%
| Loan | 30-yr P&I | 15-yr P&I | 30-yr total interest |
|---|---|---|---|
| $100,000 | $649 | $849 | $133,735 |
| $150,000 | $974 | $1,273 | $200,602 |
| $200,000 | $1,299 | $1,697 | $267,469 |
| $250,000 | $1,623 | $2,122 | $334,337 |
| $300,000 | $1,948 | $2,546 | $401,204 |
| $350,000 | $2,272 | $2,971 | $468,071 |
| $400,000 | $2,597 | $3,395 | $534,939 |
| $450,000 | $2,922 | $3,819 | $601,806 |
| $500,000 | $3,246 | $4,244 | $668,673 |
| $550,000 | $3,571 | $4,668 | $735,541 |
| $600,000 | $3,896 | $5,092 | $802,408 |
| $650,000 | $4,220 | $5,517 | $869,275 |
| $700,000 | $4,545 | $5,941 | $936,143 |
| $750,000 | $4,869 | $6,365 | $1,003,010 |
| $800,000 | $5,194 | $6,790 | $1,069,877 |
| $900,000 | $5,843 | $7,639 | $1,203,612 |
| $1,000,000 | $6,493 | $8,487 | $1,337,347 |
| $1,200,000 | $7,791 | $10,185 | $1,604,816 |
| $1,500,000 | $9,739 | $12,731 | $2,006,020 |
| $2,000,000 | $12,985 | $16,975 | $2,674,693 |
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Frequently asked
What is included in the monthly payment?
Principal and interest on the loan, plus escrow items: property tax (default 1.1% of the price a year — change it to your county's rate), homeowners insurance, PMI when the down payment is below 20% (charged until the balance reaches 78% of the price), and any HOA dues.
How much does an extra $200 a month save?
On a $320,000 loan at 6.76%, an extra $200 a month pays the mortgage off 6 years 8 months early and saves about $112,000 in interest. Type any amount in “Extra principal / month” and the payoff date and interest update.
Where does the interest rate come from?
The default is the Freddie Mac PMMS national average as of 2026-09-10: 6.76% (30-year) and 6.09% (15-year). It refreshes every week. Your rate depends on credit score, down payment, points and lender.