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The whole payment, not the flattering part of it
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Current mortgage rates
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FRED / Freddie Mac PMMS, pulled on a schedule and cached; this page reads the cache and never hardcodes a rate. Your actual rate depends on credit, points, loan type, and lender pricing. This is not a quote.
Estimated total monthly payment $6,522. Principal and interest $5,419, property tax $917, insurance $186. Total interest over 30 years $1,151,012.
Estimated total monthly payment
$6,522
On a $800,000 loan at 7.18% over 30 years, plus taxes, insurance.
What makes it up
Over the full term
At 6.18% instead, principal and interest would be $4,889, $530 less a month, and $191k less over the term.
Balance and interest over time
Remaining balance Interest paid to date
Each point is one year. Interest is front-loaded.
For informational purposes only.These figures are an estimate, not a loan offer, a pre-approval, or a quote. The calculation excludes closing costs, points and lender fees, Mello-Roos and special assessments, supplemental tax bills after a change of ownership, flood or earthquake coverage, private road or utility assessments, and any rate adjustment on a non-fixed loan. Property tax is estimated from the price you enter, not from the county’s assessed value. Confirm every number with a licensed lender before relying on it.
Next step
A calculator cannot tell you about the house
It can tell you what the payment looks like. It cannot tell you that the tax bill resets the year you buy, or that the comparable three doors down closed under list. That part is a conversation.