🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 52 (from laksa166)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa052.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.zillow.com/mortgage-calculator/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.zillow.com/mortgage-calculator/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.zillow.com\/mortgage-calculator\/","crawl_time":1775620353,"first_indexed_time":1449656306,"http_code":200,"src_unparsed":"com,zillow!www,\/mortgage-calculator\/ s443","src_root_hash":"9237217962914506652","history_drop_reason":null,"meta_title":"Mortgage Calculator - Free House Payment Estimate | Zillow","meta_descriptions":["Use our simple mortgage calculator to quickly estimate monthly payments for your new home, including principal, interest, taxes and insurance.","Use our simple mortgage calculator to quickly estimate monthly payments for your new home, including principal, interest, taxes and insurance."],"attrs_boilerpipe_text":"Use Zillow’s home loan calculator to quickly estimate your total mortgage payment including principal and interest, plus estimates for PMI, property taxes, home insurance and HOA fees. Enter the price of a home and down payment amount to calculate your estimated mortgage payment with an itemized breakdown and schedule. Adjust the loan details to fit your scenario more accurately.\nPrincipal\nComments\n0 months\n$145\n359 months\n$180,000\nHome price\nZIP code\nLoan program\nInterest rate\n \nGet a more accurate estimate\nGet pre-qualified with us at Zillow Home Loans to get an even more accurate estimate of your monthly mortgage payment.\nExplore more mortgage calculators\nCalculate your mortgage payments on an FHA loan.\nDetermine whether a mortgage refinance makes sense for you.\nCalculate your monthly mortgage payments on a VA loan.\nCheck how much you can comfortably afford to spend on a house.\nHow much is a mortgage on a house?\nThe monthly payment for a mortgage varies widely based on several key factors, including the price of the home, your down payment, the loan's interest rate, and the loan term. A down payment of 20% or more can lower your monthly mortgage and help you avoid\nprivate mortgage insurance\n(PMI). Similarly, a lower interest rate and longer loan term can reduce your monthly payment, but a longer term will also mean you'll pay more in interest over the life of the loan.\nThe table below provides a general estimate of potential mortgage payments, based on a 30-year fixed-rate mortgage with a 7% interest rate and a down payment covering 15% of the home’s price. These estimates include PMI, property taxes, homeowners insurance, and other fees, which can increase your total monthly cost. You can adjust these figures in the “advanced” dropdown section of the Mortgage Calculator.\nHouse price\nMortgage\nMonthly mortgage payment\n$100K\n$85,000\n$566\n$200K\n$170,000\n$1,016\n$300K\n$255,000\n$1,603\n$400K\n$340,000\n$2,138\n$500K\n$425,000\n$2,072\n$600K\n$510,000\n$3,619\n$700K\n$595,000\n$4,222\n$800K\n$680,000\n$4,825\nHow to calculate mortgage payments?\nZillow's mortgage calculator gives you the opportunity to customize your mortgage details while making assumptions for fields you may not know quite yet. These autofill elements make the home loan calculator easy to use and can be updated at any point.\nRemember, your monthly house payment includes more than just repaying the amount you borrowed to purchase the home. The \"principal\" is the amount you borrowed and have to pay back (the loan itself), and the interest is the amount the lender charges for lending you the money.\nFor most borrowers, the total monthly payment sent to your mortgage lender includes other costs, such as homeowner's insurance and taxes. If you have an\nescrow account\n, you pay a set amount toward these additional expenses as part of your monthly mortgage payment, which also includes your principal and interest. Your mortgage lender typically holds the money in the escrow account until those insurance and tax bills are due, and then pays them on your behalf. If your loan requires other types of insurance like\nprivate mortgage insurance (PMI)\nor\nhomeowner's association dues (HOA)\n, these premiums may also be included in your total mortgage payment.\nHome price\nThe price is either the amount you paid for a home or the amount you may pay for a future home purchase.\nDown payment\nMost home loans require at least 3% of the price of the home as a\ndown payment\n. Some loans, like VA loans and some USDA loans allow\nzero down\n. Although it's a myth that a 20% down payment is required to obtain a loan, keep in mind that the higher your down payment, the lower your monthly payment. A 20% down payment also allows you to avoid paying private mortgage insurance on your loan. You can use\nZillow's down payment assistance tool\nto find funds and programs you may qualify for.\nLoan program\nYour loan program can affect your interest rate and total monthly payments. Choose from 30-year fixed, 15-year fixed, and 5-year ARM loan scenarios in the calculator to see examples of how different loan terms mean different monthly payments.\nLearn more about loan types\n.\nInterest rate\nMortgage interest is the cost you pay your lender each year to borrow their money, expressed as a percentage rate. The calculator auto-populates the\ncurrent average interest rate\n.\nPMI\nPrivate mortgage insurance (PMI) is calculated\nbased on your credit score and amount of down payment. If your loan amount is greater than 80% of the home purchase price, lenders require insurance on their investment. This is a monthly cost that increases your mortgage payment.\nProperty taxes\nYour\nestimated annual property tax\nis based on the home purchase price. The total is divided by 12 months and applied to each monthly mortgage payment. If you know the specific amount of taxes, add as an annual total.\nHome insurance\nHomeowner's insurance is based on the home price, and is expressed as an annual premium. The calculator divides that total by 12 months to adjust your monthly mortgage payment.\nAverage annual premiums\nusually cost less than 1% of the home price and protect your liability as the property owner and insure against hazards, loss, etc.\nHOA dues\nHomeowners in some developments and townhome or condominium communities pay monthly Homeowner's Association (HOA) fees to collectively pay for amenities, maintenance and some insurance. Update to include your monthly HOA costs, if applicable. If there are no HOA costs, you can leave the field blank.\nMortgage payment equation\nPrincipal + Interest + Mortgage Insurance (if applicable) + Escrow (if applicable) = Total monthly payment\nThe traditional monthly mortgage payment calculation includes:\nPrincipal:\n The amount of money you borrowed.\nInterest:\n The cost of the loan.\nMortgage insurance:\n The mandatory insurance to protect your lender's investment of 80% or more of the home's value.\nEscrow:\n The monthly cost of property taxes, HOA dues and homeowner's insurance.\nPayments:\n Multiply the years of your loan by 12 months to calculate the total number of payments. A 30-year term is 360 payments (30 years x 12 months = 360 payments).\nType of home loans to consider\nThe loan type you select affects your monthly mortgage payment. Explore mortgage options to fit your purchasing scenario and save money.\nConventional loan (conforming loan)\nConventional loans are backed by private lenders, like a bank, rather than the federal government and often have strict requirements around credit score and debt-to-income ratios. If you have excellent credit with a 20% down payment, a\nconventional loan\nmay be a great option, as it usually offers lower interest rates without private mortgage insurance (PMI). You can still obtain a conventional loan with less than a 20% down payment, but PMI will be required.\nFHA loan (government loan)\nAn\nFHA loan\nis government-backed, insured by the Federal Housing Administration. FHA loans have looser requirements around credit scores and allow for\nlow down payments\n. An FHA loan will come with mandatory\nmortgage insurance\nfor the life of the loan.\nVA loan (government loan)\nVA loans\nare partially backed by the Department of Veterans Affairs, allowing eligible veterans to purchase homes with\nzero down payment\n(in most cases) at competitive rates. You won't pay PMI, but VA loans do require a\nfunding fee\n.\nUSDA loan (government loan)\nThe United States Department of Agriculture backs\nUSDA loans\nthat benefit low-income borrowers purchasing in eligible, rural areas. Credit requirements are loose on USDA loans. While an\nupfront funding fee\nis required on these loans, your down payment can be as little as zero down without paying PMI.\nJumbo mortgages (non-conforming)\nJumbo loans\nare named based on the size of the loan. When a loan exceeds a certain amount (the\nconforming loan limit\n), it's not insured by the Federal government. Loan limits change annually and are specific to the local market. Jumbo loans allow you to purchase more expensive properties but often require 20% down, which can cost more than $100,000 at closing. Rates are competitive.\nMortgage options and terminology\nIn addition to mortgages options (loan types), consider some of these program differences and mortgage terminology.\nLoan term\nA mortgage loan term is the maximum length of time you have to repay the loan. Common mortgage terms are 30-year or 15-year. Longer terms usually have higher rates but lower monthly payments. Shorter terms help pay off loans quickly, saving on interest. It is possible to pay down your loan faster than the set term by making additional monthly payments toward your principal loan balance.\nFixed rate vs adjustable rate\nA\nfixed rate\nis when your interest rate remains the same for your entire loan term. An\nadjustable rate\nstays the same for a predetermined length of time and then resets to a new interest rate on scheduled intervals. A 5-year ARM, for instance, offers a fixed interest rate for 5 years and then adjusts each year for the remaining length of the loan. Typically, the first fixed period offers a low rate, making it beneficial if you plan to refinance or move before the first rate adjustment.\nConforming loans vs non-conforming loans\nConforming loans\nhave maximum loan amounts that are set by the government and conform to other rules set by\nFannie Mae or Freddie Mac\n, the companies that provide backing for conforming loans. A\nnon-conforming loan\nis less standardized with eligibility and pricing varying widely by lender. Non-conforming loans are not limited to the size limit of conforming loans, like a\njumbo loan\n, or the guidelines like government-backed loans, although lenders will have their own criteria.\nStart your home buying research with a mortgage calculator\nA mortgage payment calculator is a powerful real estate tool that can help you do more than just estimate your monthly payments. Here are some additional ways to use our mortgage calculator:\nAssess down payment scenarios\nAdjust your down payment size to see how much it affects your monthly payment. For instance, would it be better to have more in savings after purchasing the home? Can you avoid PMI? Compare realistic monthly payments, beyond just principal and interest.\nCalculate mortgage rates\nModify the interest rate to evaluate the impact of seemingly minor rate changes. Knowing that rates can change daily, consider the impact of waiting to improve your credit score in exchange for possibly qualifying for a lower interest rate. Click the \"Schedule\" for an interactive graph showing the estimated timeframe of paying off your interest, similar to our \namortization calculator\n.\nEvaluate affordability\nFine-tune your inputs to assess your readiness. Use our \naffordability calculator\n to dig deeper into income, debts and payments.\nSample loan programs\nAdjust the loan program to see how each changes monthly mortgage payments.\nFrequently asked questions about mortgages\nThe \nprincipal\n of a loan is the remaining balance of the money you borrowed. Principal does not include\ninterest\n, which is the cost of the loan.\nEach mortgage lender will evaluate your unique financial situation to determine your mortgage eligibility. Lenders often have their own mortgage qualifications. Some of the key things lenders evaluate to\ndetermine mortgage approval\nare your income, employment history, credit score, credit history, and your debt-to-income ratio. In addition, the type of mortgage you choose, such as a\nconventional versus FHA loan\n, may also have unique requirements that need to be met in order to qualify. For instance, an FHA loan often requires a 3.5% down payment, but some first-time homebuyers can get a conventional loan with as little as 3% down. One of the best ways to get an estimate of how much mortgage you qualify for is by getting pre-approved by a lender. You can start the process with us at\nZillow Home Loans\nto learn more about the types of mortgages you qualify for and get an estimated mortgage amount.","attrs_markdown":"[Skip main navigation](https:\/\/www.zillow.com\/mortgage-calculator\/#skip-topnav-target)\n\n[![Zillow logo](https:\/\/www.zillowstatic.com\/s3\/pfs\/static\/z-logo-default-visual-refresh.svg)](https:\/\/www.zillow.com\/)\n\n- [Sign inSign in](https:\/\/www.zillow.com\/auth\/user\/login?login_mode=redirect&entry_point=topnav)\n- [Join](https:\/\/www.zillow.com\/auth\/user\/login?login_mode=redirect&entry_point=topnav)\n\n[Homepage](https:\/\/www.zillow.com\/ \"Zillow Real Estate\")\n\n- [Buy](https:\/\/www.zillow.com\/homes\/for_sale\/)\n  Open Buy sub-menu\n- [Rent](https:\/\/www.zillow.com\/homes\/for_rent\/)\n  Open Rent sub-menu\n- [Sell](https:\/\/www.zillow.com\/sell\/)\n  Open Sell sub-menu\n- [Get a mortgage](https:\/\/www.zillow.com\/homeloans\/)\n  Open Get a mortgage sub-menu\n- [Find an agent](https:\/\/www.zillow.com\/professionals\/real-estate-agent-reviews\/)\n  Open Find an agent sub-menu\n\n- [Manage rentals](https:\/\/www.zillow.com\/rental-manager\/?source=topnav&itc=postbutton_sitenav)\n  Open Manage rentals sub-menu\n- [Advertise](https:\/\/www.zillow.com\/partners\/advertise\/)\n\n- [Get help](https:\/\/www.zillow.help\/)\n\n- [Sign inSign in](https:\/\/www.zillow.com\/auth\/user\/login?login_mode=redirect&entry_point=topnav)\n- [Join](https:\/\/www.zillow.com\/auth\/user\/login?login_mode=redirect&entry_point=topnav)\n\n[Mortgages](https:\/\/www.zillow.com\/mortgages\/) \/ Mortgage Calculator\n\n# Mortgage Calculator\nUse Zillow’s home loan calculator to quickly estimate your total mortgage payment including principal and interest, plus estimates for PMI, property taxes, home insurance and HOA fees. Enter the price of a home and down payment amount to calculate your estimated mortgage payment with an itemized breakdown and schedule. Adjust the loan details to fit your scenario more accurately.\n\n## Get a more accurate estimate\nGet pre-qualified with us at Zillow Home Loans to get an even more accurate estimate of your monthly mortgage payment.\n\n[Get pre-qualified](https:\/\/www.zillow.com\/homeloans\/eligibility\/?source=Zillow&channel=Affordability_Calculator&utm_source=zillow&utm_medium=referral&cro_oeuid=undefined&utm_campaign=zhl_zillowaffordabilitycalc_c-column#\/intro\/)\n\n![](https:\/\/www.zillowstatic.com\/bedrock\/app\/uploads\/sites\/10\/2025\/02\/Brand-Assets_Zillow-Home-Loans_All-Logos_NMLS-Logos_Small-Use_Zillow-Home-Loans_Horizontal_NMLS_Small_Blue_RGB.png)\n\n![](https:\/\/www.zillowstatic.com\/bedrock\/app\/uploads\/sites\/10\/2025\/02\/spot-calculator.svg)\n\n## Explore more mortgage calculators\n\n[FHA mortgage calculator](https:\/\/www.zillow.com\/mortgage-calculator\/fha-loan-calculator\/)\n\nCalculate your mortgage payments on an FHA loan.\n\n[Refinance calculator](https:\/\/www.zillow.com\/mortgage-calculator\/refinance-calculator\/)\n\nDetermine whether a mortgage refinance makes sense for you.\n\n[VA mortgage calculator](https:\/\/www.zillow.com\/mortgage-calculator\/va\/)\n\nCalculate your monthly mortgage payments on a VA loan.\n\n[Affordability calculator](https:\/\/www.zillow.com\/mortgage-calculator\/house-affordability\/)\n\nCheck how much you can comfortably afford to spend on a house.\n\n## How much is a mortgage on a house?\nThe monthly payment for a mortgage varies widely based on several key factors, including the price of the home, your down payment, the loan's interest rate, and the loan term. A down payment of 20% or more can lower your monthly mortgage and help you avoid [private mortgage insurance](https:\/\/www.zillow.com\/learn\/private-mortgage-insurance\/) (PMI). Similarly, a lower interest rate and longer loan term can reduce your monthly payment, but a longer term will also mean you'll pay more in interest over the life of the loan.\n\nThe table below provides a general estimate of potential mortgage payments, based on a 30-year fixed-rate mortgage with a 7% interest rate and a down payment covering 15% of the home’s price. These estimates include PMI, property taxes, homeowners insurance, and other fees, which can increase your total monthly cost. You can adjust these figures in the “advanced” dropdown section of the Mortgage Calculator.\n\n|   |   |   |\n|---|---|---|\n| **House price** | **Mortgage** | **Monthly mortgage payment** |\n| \\$100K | \\$85,000 | \\$566 |\n| \\$200K | \\$170,000 | \\$1,016 |\n| [\\$300K](https:\/\/www.zillow.com\/learn\/how-much-is-a-mortgage-on-a-300k-house\/) | \\$255,000 | \\$1,603 |\n| \\$400K | \\$340,000 | \\$2,138 |\n| \\$500K | \\$425,000 | \\$2,072 |\n| \\$600K | \\$510,000 | \\$3,619 |\n| \\$700K | \\$595,000 | \\$4,222 |\n| \\$800K | \\$680,000 | \\$4,825 |\n\n## How to calculate mortgage payments?\nZillow's mortgage calculator gives you the opportunity to customize your mortgage details while making assumptions for fields you may not know quite yet. These autofill elements make the home loan calculator easy to use and can be updated at any point.\n\nRemember, your monthly house payment includes more than just repaying the amount you borrowed to purchase the home. The \"principal\" is the amount you borrowed and have to pay back (the loan itself), and the interest is the amount the lender charges for lending you the money.\n\nFor most borrowers, the total monthly payment sent to your mortgage lender includes other costs, such as homeowner's insurance and taxes. If you have an [escrow account](https:\/\/www.zillow.com\/learn\/what-is-escrow\/), you pay a set amount toward these additional expenses as part of your monthly mortgage payment, which also includes your principal and interest. Your mortgage lender typically holds the money in the escrow account until those insurance and tax bills are due, and then pays them on your behalf. If your loan requires other types of insurance like [private mortgage insurance (PMI)](https:\/\/www.zillow.com\/learn\/private-mortgage-insurance\/) or [homeowner's association dues (HOA)](https:\/\/www.zillow.com\/learn\/homeowners-association-fees\/), these premiums may also be included in your total mortgage payment.\n\n### Home price\nThe price is either the amount you paid for a home or the amount you may pay for a future home purchase.\n\n### Down payment\nMost home loans require at least 3% of the price of the home as a [down payment](https:\/\/www.zillow.com\/learn\/save-for-down-payment\/). Some loans, like VA loans and some USDA loans allow [zero down](https:\/\/www.zillow.com\/learn\/zero-down-payment-mortgage\/). Although it's a myth that a 20% down payment is required to obtain a loan, keep in mind that the higher your down payment, the lower your monthly payment. A 20% down payment also allows you to avoid paying private mortgage insurance on your loan. You can use [Zillow's down payment assistance tool](https:\/\/www.zillow.com\/down-payment-assistance\/) to find funds and programs you may qualify for.\n\n### Loan program\nYour loan program can affect your interest rate and total monthly payments. Choose from 30-year fixed, 15-year fixed, and 5-year ARM loan scenarios in the calculator to see examples of how different loan terms mean different monthly payments. [Learn more about loan types](https:\/\/www.zillow.com\/mortgage-calculator\/#home-loans-to-consider).\n\n### Interest rate\nMortgage interest is the cost you pay your lender each year to borrow their money, expressed as a percentage rate. The calculator auto-populates the [current average interest rate](https:\/\/www.zillow.com\/learn\/how-often-do-mortgage-rates-change\/).\n\n### PMI\n[Private mortgage insurance (PMI) is calculated](https:\/\/www.zillow.com\/learn\/how-is-pmi-calculated\/) based on your credit score and amount of down payment. If your loan amount is greater than 80% of the home purchase price, lenders require insurance on their investment. This is a monthly cost that increases your mortgage payment.\n\n### Property taxes\nYour [estimated annual property tax](https:\/\/www.zillow.com\/mortgage-calculator\/property-tax-calculator\/) is based on the home purchase price. The total is divided by 12 months and applied to each monthly mortgage payment. If you know the specific amount of taxes, add as an annual total.\n\n### Home insurance\nHomeowner's insurance is based on the home price, and is expressed as an annual premium. The calculator divides that total by 12 months to adjust your monthly mortgage payment. [Average annual premiums](https:\/\/www.zillow.com\/learn\/homeowners-insurance\/) usually cost less than 1% of the home price and protect your liability as the property owner and insure against hazards, loss, etc.\n\n### HOA dues\nHomeowners in some developments and townhome or condominium communities pay monthly Homeowner's Association (HOA) fees to collectively pay for amenities, maintenance and some insurance. Update to include your monthly HOA costs, if applicable. If there are no HOA costs, you can leave the field blank.\n\n## Mortgage payment equation\n**Principal + Interest + Mortgage Insurance (if applicable) + Escrow (if applicable) = Total monthly payment**\n\nThe traditional monthly mortgage payment calculation includes:\n\n**Principal:** The amount of money you borrowed.\n\n**Interest:** The cost of the loan.\n\n**Mortgage insurance:** The mandatory insurance to protect your lender's investment of 80% or more of the home's value.\n\n**Escrow:** The monthly cost of property taxes, HOA dues and homeowner's insurance.\n\n**Payments:** Multiply the years of your loan by 12 months to calculate the total number of payments. A 30-year term is 360 payments (30 years x 12 months = 360 payments).\n\n## Type of home loans to consider\nThe loan type you select affects your monthly mortgage payment. Explore mortgage options to fit your purchasing scenario and save money.\n\n### Conventional loan (conforming loan)\nConventional loans are backed by private lenders, like a bank, rather than the federal government and often have strict requirements around credit score and debt-to-income ratios. If you have excellent credit with a 20% down payment, a [conventional loan](https:\/\/www.zillow.com\/learn\/conventional-loan\/) may be a great option, as it usually offers lower interest rates without private mortgage insurance (PMI). You can still obtain a conventional loan with less than a 20% down payment, but PMI will be required.\n\n### FHA loan (government loan)\nAn [FHA loan](https:\/\/www.zillow.com\/learn\/fha-loan\/) is government-backed, insured by the Federal Housing Administration. FHA loans have looser requirements around credit scores and allow for [low down payments](https:\/\/www.zillow.com\/learn\/fha-loan-down-payment\/). An FHA loan will come with mandatory [mortgage insurance](https:\/\/www.zillow.com\/learn\/fha-mortgage-insurance\/) for the life of the loan.\n\n### VA loan (government loan)\n[VA loans](https:\/\/www.zillow.com\/learn\/va-home-loans\/) are partially backed by the Department of Veterans Affairs, allowing eligible veterans to purchase homes with [zero down payment](https:\/\/www.zillow.com\/learn\/va-loan-down-payment\/) (in most cases) at competitive rates. You won't pay PMI, but VA loans do require a [funding fee](https:\/\/www.zillow.com\/learn\/va-loan-fees\/).\n\n### USDA loan (government loan)\nThe United States Department of Agriculture backs [USDA loans](https:\/\/www.zillow.com\/learn\/usda-loans\/) that benefit low-income borrowers purchasing in eligible, rural areas. Credit requirements are loose on USDA loans. While an [upfront funding fee](https:\/\/www.zillow.com\/learn\/usda-guarantee-fee\/) is required on these loans, your down payment can be as little as zero down without paying PMI.\n\n### Jumbo mortgages (non-conforming)\n[Jumbo loans](https:\/\/www.zillow.com\/learn\/what-are-jumbo-loans\/) are named based on the size of the loan. When a loan exceeds a certain amount (the [conforming loan limit](https:\/\/www.zillow.com\/learn\/conforming-loan-limits\/)), it's not insured by the Federal government. Loan limits change annually and are specific to the local market. Jumbo loans allow you to purchase more expensive properties but often require 20% down, which can cost more than \\$100,000 at closing. Rates are competitive.\n\n## Mortgage options and terminology\nIn addition to mortgages options (loan types), consider some of these program differences and mortgage terminology.\n\n### Loan term\nA mortgage loan term is the maximum length of time you have to repay the loan. Common mortgage terms are 30-year or 15-year. Longer terms usually have higher rates but lower monthly payments. Shorter terms help pay off loans quickly, saving on interest. It is possible to pay down your loan faster than the set term by making additional monthly payments toward your principal loan balance.\n\n### Fixed rate vs adjustable rate\nA [fixed rate](https:\/\/www.zillow.com\/learn\/fixed-rate-mortgage\/) is when your interest rate remains the same for your entire loan term. An [adjustable rate](https:\/\/www.zillow.com\/learn\/adjustable-rate-mortgage\/) stays the same for a predetermined length of time and then resets to a new interest rate on scheduled intervals. A 5-year ARM, for instance, offers a fixed interest rate for 5 years and then adjusts each year for the remaining length of the loan. Typically, the first fixed period offers a low rate, making it beneficial if you plan to refinance or move before the first rate adjustment.\n\n### Conforming loans vs non-conforming loans\n[Conforming loans](https:\/\/www.zillow.com\/learn\/conforming-loan\/) have maximum loan amounts that are set by the government and conform to other rules set by [Fannie Mae or Freddie Mac](https:\/\/www.zillow.com\/learn\/fannie-mae-and-freddie-mac\/), the companies that provide backing for conforming loans. A [non-conforming loan](https:\/\/www.zillow.com\/learn\/non-conforming-loan\/) is less standardized with eligibility and pricing varying widely by lender. Non-conforming loans are not limited to the size limit of conforming loans, like a [jumbo loan](https:\/\/www.zillow.com\/learn\/jumbo-loan-limits\/), or the guidelines like government-backed loans, although lenders will have their own criteria.\n\n## Start your home buying research with a mortgage calculator\nA mortgage payment calculator is a powerful real estate tool that can help you do more than just estimate your monthly payments. Here are some additional ways to use our mortgage calculator:\n\n![](https:\/\/www.zillowstatic.com\/bedrock\/app\/uploads\/sites\/10\/2025\/02\/1.svg)\n\n### Assess down payment scenarios\nAdjust your down payment size to see how much it affects your monthly payment. For instance, would it be better to have more in savings after purchasing the home? Can you avoid PMI? Compare realistic monthly payments, beyond just principal and interest.\n\n![](https:\/\/www.zillowstatic.com\/bedrock\/app\/uploads\/sites\/10\/2025\/02\/2.svg)\n\n### Calculate mortgage rates\nModify the interest rate to evaluate the impact of seemingly minor rate changes. Knowing that rates can change daily, consider the impact of waiting to improve your credit score in exchange for possibly qualifying for a lower interest rate. Click the \"Schedule\" for an interactive graph showing the estimated timeframe of paying off your interest, similar to our [amortization calculator](https:\/\/www.zillow.com\/mortgage-calculator\/amortization-schedule-calculator\/).\n\n![](https:\/\/www.zillowstatic.com\/bedrock\/app\/uploads\/sites\/10\/2025\/02\/3.svg)\n\n### Evaluate affordability\nFine-tune your inputs to assess your readiness. Use our [affordability calculator](https:\/\/www.zillow.com\/mortgage-calculator\/house-affordability\/) to dig deeper into income, debts and payments.\n\n![](https:\/\/www.zillowstatic.com\/bedrock\/app\/uploads\/sites\/10\/2025\/02\/4.svg)\n\n### Sample loan programs\nAdjust the loan program to see how each changes monthly mortgage payments.\n\n## Frequently asked questions about mortgages\nWhat is the principal of a loan?\n\nThe [principal](https:\/\/www.zillow.com\/learn\/mortgage-principal\/) of a loan is the remaining balance of the money you borrowed. Principal does not include [interest](https:\/\/www.zillow.com\/learn\/how-does-mortgage-interest-work\/), which is the cost of the loan.\n\nHow much mortgage can I get approved for?\n\nEach mortgage lender will evaluate your unique financial situation to determine your mortgage eligibility. Lenders often have their own mortgage qualifications. Some of the key things lenders evaluate to [determine mortgage approval](https:\/\/www.zillow.com\/learn\/how-to-get-a-mortgage\/) are your income, employment history, credit score, credit history, and your debt-to-income ratio. In addition, the type of mortgage you choose, such as a [conventional versus FHA loan](https:\/\/www.zillow.com\/learn\/fha-vs-conventional-loans\/), may also have unique requirements that need to be met in order to qualify. For instance, an FHA loan often requires a 3.5% down payment, but some first-time homebuyers can get a conventional loan with as little as 3% down. One of the best ways to get an estimate of how much mortgage you qualify for is by getting pre-approved by a lender. You can start the process with us at [Zillow Home Loans](https:\/\/www.zillow.com\/homeloans\/eligibility\/intro\/?source=Zillow&channel=Resources) to learn more about the types of mortgages you qualify for and get an estimated mortgage amount.\n\nWhat is a down payment?\n\nThe [down payment](https:\/\/www.zillow.com\/learn\/down-payment-on-a-house\/) is the money you pay upfront to purchase a home. The down payment plus the loan amount should add up to the cost of the home. [Estimate your down payment](https:\/\/www.zillow.com\/mortgage-calculator\/down-payment-calculator\/) amount with the help of our calculator.\n\nAPR vs interest rate?\n\nInterest rate is the base fee for borrowing money, while the annual percentage rate (APR) is the interest rate plus the lender fees. APR gives you an accurate idea of the cost of a financing offer, highlighting the [relationship between rate and fees](https:\/\/www.zillow.com\/learn\/apr-vs-interest-rate\/).\n\nHow much are closing costs?\n\nClosing costs for a home buyer are typically [2% to 5% of the purchase price](https:\/\/www.zillow.com\/learn\/closing-costs\/) of the home. Depending on loan type, these costs may [roll into the mortgage payment](https:\/\/www.zillow.com\/learn\/can-closing-costs-be-rolled-into-mortgage\/) or be paid at closing. [Agent commission](https:\/\/www.zillow.com\/learn\/negotiating-with-real-estate-agents\/) is traditionally paid by the seller.\n\nHow much is private mortgage insurance?\n\nThe cost of [private mortgage insurance](https:\/\/www.zillow.com\/learn\/private-mortgage-insurance\/) varies based on factors such as credit score, down payment and loan type.\n\nHow much is homeowner's insurance?\n\nYou should consult with your insurance carrier, but the general thought is that homeowner's insurance costs roughly [\\$](https:\/\/www.zillow.com\/mortgage-learning\/homeowners-insurance\/)[35 per month for every \\$100,000](https:\/\/www.zillow.com\/learn\/homeowners-insurance\/) of the home value.\n\n## Related articles\n[**What is Private Mortgage Insurance (PMI)?**](https:\/\/www.zillow.com\/learn\/private-mortgage-insurance\/)\n\nQuestions about the PMI in the mortgage calculator? Find out why PMI may be required for your loan and see how you can avoid paying it.\n\n[**Down Payments: How Much Do You Need to Save?**](https:\/\/www.zillow.com\/learn\/save-for-down-payment\/)\n\nWondering what down payment amount to enter into the mortgage payment calculator? Here’s a look at what the ideal down payment is.\n\n[**Complete Guide to FHA Loans**](https:\/\/www.zillow.com\/learn\/fha-loan\/)\n\nConsidering an FHA loan for your new home? Read about FHA loans and find out why they’re a popular option for first time homebuyers.\n\n## Mortgage Resources\n## Mortgage rates\n- [Current mortgage rates](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/)\n- [Refinance rates](https:\/\/www.zillow.com\/refinance\/)\n- [30-year mortgage rates](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/30-year-fixed\/)\n- [20-year mortgage rates](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/20-year-fixed\/)\n- [15-year mortgage rates](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/15-year-fixed\/)\n- [10-year mortgage rates](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/10-year-fixed\/)\n- [FHA mortgage rates](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/fha-mortgage-rates\/)\n- [VA mortgage rates](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/va-mortgage-rates\/)\n- [7-year ARM rates](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/7-year-arm\/)\n- [Jumbo mortgage rates](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/jumbo-mortgage-rates\/)\n- [VA refinance rates](https:\/\/www.zillow.com\/mortgage-rates\/va-refinance-rates\/)\n\n## Mortgage options\n- [Zillow Home Loans](https:\/\/www.zillow.com\/homeloans\/)\n- [Get pre-qualified](https:\/\/www.zillow.com\/homeloans\/eligibility\/intro\/)\n- [Conventional loans](https:\/\/www.zillow.com\/learn\/conventional-loan\/)\n- [FHA loans](https:\/\/www.zillow.com\/learn\/fha-loan\/)\n- [ARM loans](https:\/\/www.zillow.com\/learn\/adjustable-rate-mortgage\/)\n- [VA loans](https:\/\/www.zillow.com\/learn\/va-home-loans\/)\n- [USDA loans](https:\/\/www.zillow.com\/learn\/usda-loans\/)\n- [Jumbo loans](https:\/\/www.zillow.com\/learn\/what-are-jumbo-loans\/)\n- [First-time home buyer programs](https:\/\/www.zillow.com\/learn\/first-time-buyer-loan-programs\/)\n- [How to get down payment assistance](https:\/\/www.zillow.com\/down-payment-assistance\/)\n- [HELOC](https:\/\/www.zillow.com\/mortgages\/heloc\/)\n\n## Mortgage calculators\n- [Mortgage calculator](https:\/\/www.zillow.com\/mortgage-calculator\/)\n- [Affordability calculator](https:\/\/www.zillow.com\/mortgage-calculator\/house-affordability\/)\n- [Debt-to-income calculator](https:\/\/www.zillow.com\/mortgage-calculator\/debt-to-income-calculator\/)\n- [VA mortgage calculator](https:\/\/www.zillow.com\/mortgage-calculator\/va\/)\n- [FHA mortgage calculator](https:\/\/www.zillow.com\/mortgage-calculator\/fha-loan-calculator\/)\n- [Refinance calculator](https:\/\/www.zillow.com\/mortgage-calculator\/refinance-calculator\/)\n- [Property tax calculator](https:\/\/www.zillow.com\/mortgage-calculator\/property-tax-calculator\/)\n- [Amortization calculator](https:\/\/www.zillow.com\/mortgage-calculator\/amortization-schedule-calculator\/)\n- [Closing cost calculator](https:\/\/www.zillow.com\/mortgage-calculator\/closing-cost-calculator\/)\n- [Down payment calculator](https:\/\/www.zillow.com\/mortgage-calculator\/down-payment-calculator\/)\n- [Cash-out refinance calculator](https:\/\/www.zillow.com\/mortgage-calculator\/cash-out-refinance\/)\n- [Loan comparison calculator](https:\/\/www.zillow.com\/mortgage-calculator\/loan-comparison-calculator\/)\n\n## Mortgage resources\n- [Mortgage application process](https:\/\/www.zillow.com\/learn\/mortgage-application-paperwork\/)\n- [How to get a mortgage](https:\/\/www.zillow.com\/learn\/how-to-get-a-mortgage\/)\n- [When to get pre-approved for a mortgage?](https:\/\/www.zillow.com\/learn\/when-to-get-mortgage-preapproval\/)\n- [What documents do you need for mortgage pre-approval?](https:\/\/www.zillow.com\/learn\/documents-needed-for-mortgage-preapproval\/)\n- [How long is mortgage pre-approval good for?](https:\/\/www.zillow.com\/learn\/how-long-is-mortgage-preapproval-good-for\/)\n- [Pre-qualified vs pre-approved: what's the difference?](https:\/\/www.zillow.com\/learn\/pre-qualification-vs-pre-approval\/)\n- [How long does mortgage underwriting take?](https:\/\/www.zillow.com\/learn\/how-long-does-underwriting-take\/)\n- [What percentage of your income should go to a mortgage?](https:\/\/www.zillow.com\/learn\/percentage-of-income-for-mortgage\/)\n- [What credit score is needed to buy a house?](https:\/\/www.zillow.com\/learn\/mortgage-credit-scores\/)\n\n## Current Mortgage Rates by State\n- [United States](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/)\n- [Alabama](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/alabama\/)\n- [Alaska](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/alaska\/)\n- [Arizona](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/arizona\/)\n- [Arkansas](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/arkansas\/)\n- [California](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/california\/)\n- [Colorado](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/colorado\/)\n- [Connecticut](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/connecticut\/)\n- [Delaware](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/delaware\/)\n- [Florida](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/florida\/)\n- [Georgia](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/georgia\/)\n- [Hawaii](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/hawaii\/)\n- [Idaho](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/idaho\/)\n\n- [Illinois](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/illinois\/)\n- [Indiana](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/indiana\/)\n- [Iowa](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/iowa\/)\n- [Kansas](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/kansas\/)\n- [Kentucky](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/kentucky\/)\n- [Louisiana](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/louisiana\/)\n- [Maine](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/maine\/)\n- [Maryland](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/maryland\/)\n- [Massachusetts](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/massachusetts\/)\n- [Michigan](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/michigan\/)\n- [Minnesota](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/minnesota\/)\n- [Mississippi](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/mississippi\/)\n- [Missouri](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/missouri\/)\n\n- [Montana](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/montana\/)\n- [Nebraska](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/nebraska\/)\n- [Nevada](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/nevada\/)\n- [New Hampshire](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/new-hampshire\/)\n- [New Jersey](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/new-jersey\/)\n- [New Mexico](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/new-mexico\/)\n- [New York](https:\/\/www.zillow.com\/mortgage-rates\/ny\/)\n- [North Carolina](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/north-carolina\/)\n- [North Dakota](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/north-dakota\/)\n- [Ohio](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/ohio\/)\n- [Oklahoma](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/oklahoma\/)\n- [Oregon](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/oregon\/)\n- [Pennsylvania](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/pennsylvania\/)\n\n- [Rhode Island](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/rhode-island\/)\n- [South Carolina](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/south-carolina\/)\n- [South Dakota](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/south-dakota\/)\n- [Tennessee](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/tennessee\/)\n- [Texas](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/texas\/)\n- [Utah](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/utah\/)\n- [Vermont](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/vermont\/)\n- [Virginia](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/virginia\/)\n- [Washington](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/washington\/)\n- [West Virginia](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/west-virginia\/)\n- [Wisconsin](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/wisconsin\/)\n- [Wyoming](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/wyoming\/)\n- [Washington D.C.](https:\/\/www.zillow.com\/homeloans\/mortgage-rates\/washington-dc\/)\n\n- [About](https:\/\/www.zillow.com\/z\/corp\/about\/)\n- [Zestimates](https:\/\/www.zillow.com\/zestimate\/)\n- [News](https:\/\/www.zillow.com\/news\/)\n- 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We are continuously working to improve the accessibility of our web experience for everyone, and we welcome feedback and accommodation requests. If you wish to report an issue or seek an accommodation, please [let us know](https:\/\/www.zillow.help\/contact-us).\n\n[Affiliated Business Arrangement Disclosure](https:\/\/www.zillow.com\/affiliated-business-arrangement-disclosure\/)  \nZillow, Inc. holds real estate brokerage [licenses](https:\/\/www.zillow.com\/c\/info\/real-estate-licenses\/) in multiple states. Zillow (Canada), Inc. holds real estate brokerage [licenses](https:\/\/www.zillow.com\/c\/info\/real-estate-licenses\/) in multiple provinces.  \nAll mortgage lending products and information provided by Zillow Home Loans, LLC, NMLS \\#10287. [NMLS Consumer Access](https:\/\/www.nmlsconsumeraccess.org\/)  \nLicensed Mortgage Banker, N.Y.S. 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Used under license.\n\n- [![App store logo](https:\/\/www.zillowstatic.com\/s3\/pfs\/static\/app-store-badge.svg)](https:\/\/www.zillow.com\/buy\/app-download\/?itc=zw_zw_zw_zillow-footer_btn_ios-download)\n- [![Google play logo](https:\/\/www.zillowstatic.com\/s3\/pfs\/static\/google-play-badge.svg)](https:\/\/www.zillow.com\/buy\/app-download\/?itc=zw_zw_zw_zillow-footer_btn_android-download)\n\n- [![Zillow logo](https:\/\/www.zillowstatic.com\/s3\/pfs\/static\/z-logo-default-visual-refresh.svg)](https:\/\/www.zillow.com\/)\n- Follow us:\n  \n  [Visit us on facebook](https:\/\/www.facebook.com\/Zillow)\n  \n  [Visit us on instagram](https:\/\/www.instagram.com\/zillow\/)\n  \n  [Visit us on tiktok](https:\/\/www.tiktok.com\/@zillow)\n- © 2006 to 2026 Zillow© 2006-2026 Zillow\n  [Equal Housing Opportunity](https:\/\/www.hud.gov\/program_offices\/fair_housing_equal_opp)\n\n![PxPixel](https:\/\/www.zillow.com\/HYx10rg3\/xhr\/api\/v1\/collector\/noScript.gif?appId=PXHYx10rg3)\n\n![](https:\/\/www.facebook.com\/tr\/?id=547145892064117&ev=PageView&zscript=1&dl=https:\/\/www.zillow.com\/)\n\n![](https:\/\/www.facebook.com\/tr?id=547145892064117&ev=PageView&noscript=1)\n\n![](https:\/\/d.agkn.com\/pixel\/12651\/?che=806671804&zuid=undefined&cc=null&guid=undefined) ![](https:\/\/pt.ispot.tv\/v2\/TC-2215-1.gif?type=universal_view)![](https:\/\/arttrk.com\/pixel\/?ad_log=referer&action=content&pixid=0f389214-0569-4258-811b-e7513e6972af)![](https:\/\/pt.ispot.tv\/v2\/TC-2215-1.gif?app=web&type=Brand_iSpot_Click_StartHere)![](https:\/\/kds-pixel.kargo.com\/api\/v1\/track?partner_id=56115d7b&event=PageView)\n\n![](https:\/\/www.facebook.com\/tr?id=547145892064117&ev=PageView&noscript=1)","attrs_readable_markdown":"Use Zillow’s home loan calculator to quickly estimate your total mortgage payment including principal and interest, plus estimates for PMI, property taxes, home insurance and HOA fees. Enter the price of a home and down payment amount to calculate your estimated mortgage payment with an itemized breakdown and schedule. Adjust the loan details to fit your scenario more accurately.\n\n## Get a more accurate estimate\nGet pre-qualified with us at Zillow Home Loans to get an even more accurate estimate of your monthly mortgage payment.\n\n![](https:\/\/www.zillowstatic.com\/bedrock\/app\/uploads\/sites\/10\/2025\/02\/Brand-Assets_Zillow-Home-Loans_All-Logos_NMLS-Logos_Small-Use_Zillow-Home-Loans_Horizontal_NMLS_Small_Blue_RGB.png)\n\n![](https:\/\/www.zillowstatic.com\/bedrock\/app\/uploads\/sites\/10\/2025\/02\/spot-calculator.svg)\n\n## Explore more mortgage calculators\n\nCalculate your mortgage payments on an FHA loan.\n\nDetermine whether a mortgage refinance makes sense for you.\n\nCalculate your monthly mortgage payments on a VA loan.\n\nCheck how much you can comfortably afford to spend on a house.\n\n## How much is a mortgage on a house?\nThe monthly payment for a mortgage varies widely based on several key factors, including the price of the home, your down payment, the loan's interest rate, and the loan term. A down payment of 20% or more can lower your monthly mortgage and help you avoid [private mortgage insurance](https:\/\/www.zillow.com\/learn\/private-mortgage-insurance\/) (PMI). Similarly, a lower interest rate and longer loan term can reduce your monthly payment, but a longer term will also mean you'll pay more in interest over the life of the loan.\n\nThe table below provides a general estimate of potential mortgage payments, based on a 30-year fixed-rate mortgage with a 7% interest rate and a down payment covering 15% of the home’s price. These estimates include PMI, property taxes, homeowners insurance, and other fees, which can increase your total monthly cost. You can adjust these figures in the “advanced” dropdown section of the Mortgage Calculator.\n\n|   |   |   |\n|---|---|---|\n| **House price** | **Mortgage** | **Monthly mortgage payment** |\n| \\$100K | \\$85,000 | \\$566 |\n| \\$200K | \\$170,000 | \\$1,016 |\n| [\\$300K](https:\/\/www.zillow.com\/learn\/how-much-is-a-mortgage-on-a-300k-house\/) | \\$255,000 | \\$1,603 |\n| \\$400K | \\$340,000 | \\$2,138 |\n| \\$500K | \\$425,000 | \\$2,072 |\n| \\$600K | \\$510,000 | \\$3,619 |\n| \\$700K | \\$595,000 | \\$4,222 |\n| \\$800K | \\$680,000 | \\$4,825 |\n\n## How to calculate mortgage payments?\nZillow's mortgage calculator gives you the opportunity to customize your mortgage details while making assumptions for fields you may not know quite yet. These autofill elements make the home loan calculator easy to use and can be updated at any point.\n\nRemember, your monthly house payment includes more than just repaying the amount you borrowed to purchase the home. The \"principal\" is the amount you borrowed and have to pay back (the loan itself), and the interest is the amount the lender charges for lending you the money.\n\nFor most borrowers, the total monthly payment sent to your mortgage lender includes other costs, such as homeowner's insurance and taxes. If you have an [escrow account](https:\/\/www.zillow.com\/learn\/what-is-escrow\/), you pay a set amount toward these additional expenses as part of your monthly mortgage payment, which also includes your principal and interest. Your mortgage lender typically holds the money in the escrow account until those insurance and tax bills are due, and then pays them on your behalf. If your loan requires other types of insurance like [private mortgage insurance (PMI)](https:\/\/www.zillow.com\/learn\/private-mortgage-insurance\/) or [homeowner's association dues (HOA)](https:\/\/www.zillow.com\/learn\/homeowners-association-fees\/), these premiums may also be included in your total mortgage payment.\n\n### Home price\nThe price is either the amount you paid for a home or the amount you may pay for a future home purchase.\n\n### Down payment\nMost home loans require at least 3% of the price of the home as a [down payment](https:\/\/www.zillow.com\/learn\/save-for-down-payment\/). Some loans, like VA loans and some USDA loans allow [zero down](https:\/\/www.zillow.com\/learn\/zero-down-payment-mortgage\/). Although it's a myth that a 20% down payment is required to obtain a loan, keep in mind that the higher your down payment, the lower your monthly payment. A 20% down payment also allows you to avoid paying private mortgage insurance on your loan. You can use [Zillow's down payment assistance tool](https:\/\/www.zillow.com\/down-payment-assistance\/) to find funds and programs you may qualify for.\n\n### Loan program\nYour loan program can affect your interest rate and total monthly payments. Choose from 30-year fixed, 15-year fixed, and 5-year ARM loan scenarios in the calculator to see examples of how different loan terms mean different monthly payments. [Learn more about loan types](https:\/\/www.zillow.com\/mortgage-calculator\/#home-loans-to-consider).\n\n### Interest rate\nMortgage interest is the cost you pay your lender each year to borrow their money, expressed as a percentage rate. The calculator auto-populates the [current average interest rate](https:\/\/www.zillow.com\/learn\/how-often-do-mortgage-rates-change\/).\n\n### PMI\n[Private mortgage insurance (PMI) is calculated](https:\/\/www.zillow.com\/learn\/how-is-pmi-calculated\/) based on your credit score and amount of down payment. If your loan amount is greater than 80% of the home purchase price, lenders require insurance on their investment. This is a monthly cost that increases your mortgage payment.\n\n### Property taxes\nYour [estimated annual property tax](https:\/\/www.zillow.com\/mortgage-calculator\/property-tax-calculator\/) is based on the home purchase price. The total is divided by 12 months and applied to each monthly mortgage payment. If you know the specific amount of taxes, add as an annual total.\n\n### Home insurance\nHomeowner's insurance is based on the home price, and is expressed as an annual premium. The calculator divides that total by 12 months to adjust your monthly mortgage payment. [Average annual premiums](https:\/\/www.zillow.com\/learn\/homeowners-insurance\/) usually cost less than 1% of the home price and protect your liability as the property owner and insure against hazards, loss, etc.\n\n### HOA dues\nHomeowners in some developments and townhome or condominium communities pay monthly Homeowner's Association (HOA) fees to collectively pay for amenities, maintenance and some insurance. Update to include your monthly HOA costs, if applicable. If there are no HOA costs, you can leave the field blank.\n\n## Mortgage payment equation\n**Principal + Interest + Mortgage Insurance (if applicable) + Escrow (if applicable) = Total monthly payment**\n\nThe traditional monthly mortgage payment calculation includes:\n\n**Principal:** The amount of money you borrowed.\n\n**Interest:** The cost of the loan.\n\n**Mortgage insurance:** The mandatory insurance to protect your lender's investment of 80% or more of the home's value.\n\n**Escrow:** The monthly cost of property taxes, HOA dues and homeowner's insurance.\n\n**Payments:** Multiply the years of your loan by 12 months to calculate the total number of payments. A 30-year term is 360 payments (30 years x 12 months = 360 payments).\n\n## Type of home loans to consider\nThe loan type you select affects your monthly mortgage payment. Explore mortgage options to fit your purchasing scenario and save money.\n\n### Conventional loan (conforming loan)\nConventional loans are backed by private lenders, like a bank, rather than the federal government and often have strict requirements around credit score and debt-to-income ratios. If you have excellent credit with a 20% down payment, a [conventional loan](https:\/\/www.zillow.com\/learn\/conventional-loan\/) may be a great option, as it usually offers lower interest rates without private mortgage insurance (PMI). You can still obtain a conventional loan with less than a 20% down payment, but PMI will be required.\n\n### FHA loan (government loan)\nAn [FHA loan](https:\/\/www.zillow.com\/learn\/fha-loan\/) is government-backed, insured by the Federal Housing Administration. FHA loans have looser requirements around credit scores and allow for [low down payments](https:\/\/www.zillow.com\/learn\/fha-loan-down-payment\/). An FHA loan will come with mandatory [mortgage insurance](https:\/\/www.zillow.com\/learn\/fha-mortgage-insurance\/) for the life of the loan.\n\n### VA loan (government loan)\n[VA loans](https:\/\/www.zillow.com\/learn\/va-home-loans\/) are partially backed by the Department of Veterans Affairs, allowing eligible veterans to purchase homes with [zero down payment](https:\/\/www.zillow.com\/learn\/va-loan-down-payment\/) (in most cases) at competitive rates. You won't pay PMI, but VA loans do require a [funding fee](https:\/\/www.zillow.com\/learn\/va-loan-fees\/).\n\n### USDA loan (government loan)\nThe United States Department of Agriculture backs [USDA loans](https:\/\/www.zillow.com\/learn\/usda-loans\/) that benefit low-income borrowers purchasing in eligible, rural areas. Credit requirements are loose on USDA loans. While an [upfront funding fee](https:\/\/www.zillow.com\/learn\/usda-guarantee-fee\/) is required on these loans, your down payment can be as little as zero down without paying PMI.\n\n### Jumbo mortgages (non-conforming)\n[Jumbo loans](https:\/\/www.zillow.com\/learn\/what-are-jumbo-loans\/) are named based on the size of the loan. When a loan exceeds a certain amount (the [conforming loan limit](https:\/\/www.zillow.com\/learn\/conforming-loan-limits\/)), it's not insured by the Federal government. Loan limits change annually and are specific to the local market. Jumbo loans allow you to purchase more expensive properties but often require 20% down, which can cost more than \\$100,000 at closing. Rates are competitive.\n\n## Mortgage options and terminology\nIn addition to mortgages options (loan types), consider some of these program differences and mortgage terminology.\n\n### Loan term\nA mortgage loan term is the maximum length of time you have to repay the loan. Common mortgage terms are 30-year or 15-year. Longer terms usually have higher rates but lower monthly payments. Shorter terms help pay off loans quickly, saving on interest. It is possible to pay down your loan faster than the set term by making additional monthly payments toward your principal loan balance.\n\n### Fixed rate vs adjustable rate\nA [fixed rate](https:\/\/www.zillow.com\/learn\/fixed-rate-mortgage\/) is when your interest rate remains the same for your entire loan term. An [adjustable rate](https:\/\/www.zillow.com\/learn\/adjustable-rate-mortgage\/) stays the same for a predetermined length of time and then resets to a new interest rate on scheduled intervals. A 5-year ARM, for instance, offers a fixed interest rate for 5 years and then adjusts each year for the remaining length of the loan. Typically, the first fixed period offers a low rate, making it beneficial if you plan to refinance or move before the first rate adjustment.\n\n### Conforming loans vs non-conforming loans\n[Conforming loans](https:\/\/www.zillow.com\/learn\/conforming-loan\/) have maximum loan amounts that are set by the government and conform to other rules set by [Fannie Mae or Freddie Mac](https:\/\/www.zillow.com\/learn\/fannie-mae-and-freddie-mac\/), the companies that provide backing for conforming loans. A [non-conforming loan](https:\/\/www.zillow.com\/learn\/non-conforming-loan\/) is less standardized with eligibility and pricing varying widely by lender. Non-conforming loans are not limited to the size limit of conforming loans, like a [jumbo loan](https:\/\/www.zillow.com\/learn\/jumbo-loan-limits\/), or the guidelines like government-backed loans, although lenders will have their own criteria.\n\n## Start your home buying research with a mortgage calculator\nA mortgage payment calculator is a powerful real estate tool that can help you do more than just estimate your monthly payments. Here are some additional ways to use our mortgage calculator:\n\n![](https:\/\/www.zillowstatic.com\/bedrock\/app\/uploads\/sites\/10\/2025\/02\/1.svg)\n\n### Assess down payment scenarios\nAdjust your down payment size to see how much it affects your monthly payment. For instance, would it be better to have more in savings after purchasing the home? Can you avoid PMI? Compare realistic monthly payments, beyond just principal and interest.\n\n![](https:\/\/www.zillowstatic.com\/bedrock\/app\/uploads\/sites\/10\/2025\/02\/2.svg)\n\n### Calculate mortgage rates\nModify the interest rate to evaluate the impact of seemingly minor rate changes. Knowing that rates can change daily, consider the impact of waiting to improve your credit score in exchange for possibly qualifying for a lower interest rate. Click the \"Schedule\" for an interactive graph showing the estimated timeframe of paying off your interest, similar to our [amortization calculator](https:\/\/www.zillow.com\/mortgage-calculator\/amortization-schedule-calculator\/).\n\n![](https:\/\/www.zillowstatic.com\/bedrock\/app\/uploads\/sites\/10\/2025\/02\/3.svg)\n\n### Evaluate affordability\nFine-tune your inputs to assess your readiness. Use our [affordability calculator](https:\/\/www.zillow.com\/mortgage-calculator\/house-affordability\/) to dig deeper into income, debts and payments.\n\n![](https:\/\/www.zillowstatic.com\/bedrock\/app\/uploads\/sites\/10\/2025\/02\/4.svg)\n\n### Sample loan programs\nAdjust the loan program to see how each changes monthly mortgage payments.\n\nFrequently asked questions about mortgages\n\nThe [principal](https:\/\/www.zillow.com\/learn\/mortgage-principal\/) of a loan is the remaining balance of the money you borrowed. Principal does not include [interest](https:\/\/www.zillow.com\/learn\/how-does-mortgage-interest-work\/), which is the cost of the loan.\n\nEach mortgage lender will evaluate your unique financial situation to determine your mortgage eligibility. Lenders often have their own mortgage qualifications. Some of the key things lenders evaluate to [determine mortgage approval](https:\/\/www.zillow.com\/learn\/how-to-get-a-mortgage\/) are your income, employment history, credit score, credit history, and your debt-to-income ratio. In addition, the type of mortgage you choose, such as a [conventional versus FHA loan](https:\/\/www.zillow.com\/learn\/fha-vs-conventional-loans\/), may also have unique requirements that need to be met in order to qualify. For instance, an FHA loan often requires a 3.5% down payment, but some first-time homebuyers can get a conventional loan with as little as 3% down. One of the best ways to get an estimate of how much mortgage you qualify for is by getting pre-approved by a lender. You can start the process with us at [Zillow Home Loans](https:\/\/www.zillow.com\/homeloans\/eligibility\/intro\/?source=Zillow&channel=Resources) to learn more about the types of mortgages you qualify for and get an estimated mortgage amount.","meta_canonical":null}

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Boilerpipe Text	Use Zillow’s home loan calculator to quickly estimate your total mortgage payment including principal and interest, plus estimates for PMI, property taxes, home insurance and HOA fees. Enter the price of a home and down payment amount to calculate your estimated mortgage payment with an itemized breakdown and schedule. Adjust the loan details to fit your scenario more accurately. Principal Comments 0 months $145 359 months $180,000 Home price ZIP code Loan program Interest rate Get a more accurate estimate Get pre-qualified with us at Zillow Home Loans to get an even more accurate estimate of your monthly mortgage payment. Explore more mortgage calculators Calculate your mortgage payments on an FHA loan. Determine whether a mortgage refinance makes sense for you. Calculate your monthly mortgage payments on a VA loan. Check how much you can comfortably afford to spend on a house. How much is a mortgage on a house? The monthly payment for a mortgage varies widely based on several key factors, including the price of the home, your down payment, the loan's interest rate, and the loan term. A down payment of 20% or more can lower your monthly mortgage and help you avoid private mortgage insurance (PMI). Similarly, a lower interest rate and longer loan term can reduce your monthly payment, but a longer term will also mean you'll pay more in interest over the life of the loan. The table below provides a general estimate of potential mortgage payments, based on a 30-year fixed-rate mortgage with a 7% interest rate and a down payment covering 15% of the home’s price. These estimates include PMI, property taxes, homeowners insurance, and other fees, which can increase your total monthly cost. You can adjust these figures in the “advanced” dropdown section of the Mortgage Calculator. House price Mortgage Monthly mortgage payment $100K $85,000 $566 $200K $170,000 $1,016 $300K $255,000 $1,603 $400K $340,000 $2,138 $500K $425,000 $2,072 $600K $510,000 $3,619 $700K $595,000 $4,222 $800K $680,000 $4,825 How to calculate mortgage payments? Zillow's mortgage calculator gives you the opportunity to customize your mortgage details while making assumptions for fields you may not know quite yet. These autofill elements make the home loan calculator easy to use and can be updated at any point. Remember, your monthly house payment includes more than just repaying the amount you borrowed to purchase the home. The "principal" is the amount you borrowed and have to pay back (the loan itself), and the interest is the amount the lender charges for lending you the money. For most borrowers, the total monthly payment sent to your mortgage lender includes other costs, such as homeowner's insurance and taxes. If you have an escrow account , you pay a set amount toward these additional expenses as part of your monthly mortgage payment, which also includes your principal and interest. Your mortgage lender typically holds the money in the escrow account until those insurance and tax bills are due, and then pays them on your behalf. If your loan requires other types of insurance like private mortgage insurance (PMI) or homeowner's association dues (HOA) , these premiums may also be included in your total mortgage payment. Home price The price is either the amount you paid for a home or the amount you may pay for a future home purchase. Down payment Most home loans require at least 3% of the price of the home as a down payment . Some loans, like VA loans and some USDA loans allow zero down . Although it's a myth that a 20% down payment is required to obtain a loan, keep in mind that the higher your down payment, the lower your monthly payment. A 20% down payment also allows you to avoid paying private mortgage insurance on your loan. You can use Zillow's down payment assistance tool to find funds and programs you may qualify for. Loan program Your loan program can affect your interest rate and total monthly payments. Choose from 30-year fixed, 15-year fixed, and 5-year ARM loan scenarios in the calculator to see examples of how different loan terms mean different monthly payments. Learn more about loan types . Interest rate Mortgage interest is the cost you pay your lender each year to borrow their money, expressed as a percentage rate. The calculator auto-populates the current average interest rate . PMI Private mortgage insurance (PMI) is calculated based on your credit score and amount of down payment. If your loan amount is greater than 80% of the home purchase price, lenders require insurance on their investment. This is a monthly cost that increases your mortgage payment. Property taxes Your estimated annual property tax is based on the home purchase price. The total is divided by 12 months and applied to each monthly mortgage payment. If you know the specific amount of taxes, add as an annual total. Home insurance Homeowner's insurance is based on the home price, and is expressed as an annual premium. The calculator divides that total by 12 months to adjust your monthly mortgage payment. Average annual premiums usually cost less than 1% of the home price and protect your liability as the property owner and insure against hazards, loss, etc. HOA dues Homeowners in some developments and townhome or condominium communities pay monthly Homeowner's Association (HOA) fees to collectively pay for amenities, maintenance and some insurance. Update to include your monthly HOA costs, if applicable. If there are no HOA costs, you can leave the field blank. Mortgage payment equation Principal + Interest + Mortgage Insurance (if applicable) + Escrow (if applicable) = Total monthly payment The traditional monthly mortgage payment calculation includes: Principal: The amount of money you borrowed. Interest: The cost of the loan. Mortgage insurance: The mandatory insurance to protect your lender's investment of 80% or more of the home's value. Escrow: The monthly cost of property taxes, HOA dues and homeowner's insurance. Payments: Multiply the years of your loan by 12 months to calculate the total number of payments. A 30-year term is 360 payments (30 years x 12 months = 360 payments). Type of home loans to consider The loan type you select affects your monthly mortgage payment. Explore mortgage options to fit your purchasing scenario and save money. Conventional loan (conforming loan) Conventional loans are backed by private lenders, like a bank, rather than the federal government and often have strict requirements around credit score and debt-to-income ratios. If you have excellent credit with a 20% down payment, a conventional loan may be a great option, as it usually offers lower interest rates without private mortgage insurance (PMI). You can still obtain a conventional loan with less than a 20% down payment, but PMI will be required. FHA loan (government loan) An FHA loan is government-backed, insured by the Federal Housing Administration. FHA loans have looser requirements around credit scores and allow for low down payments . An FHA loan will come with mandatory mortgage insurance for the life of the loan. VA loan (government loan) VA loans are partially backed by the Department of Veterans Affairs, allowing eligible veterans to purchase homes with zero down payment (in most cases) at competitive rates. You won't pay PMI, but VA loans do require a funding fee . USDA loan (government loan) The United States Department of Agriculture backs USDA loans that benefit low-income borrowers purchasing in eligible, rural areas. Credit requirements are loose on USDA loans. While an upfront funding fee is required on these loans, your down payment can be as little as zero down without paying PMI. Jumbo mortgages (non-conforming) Jumbo loans are named based on the size of the loan. When a loan exceeds a certain amount (the conforming loan limit ), it's not insured by the Federal government. Loan limits change annually and are specific to the local market. Jumbo loans allow you to purchase more expensive properties but often require 20% down, which can cost more than $100,000 at closing. Rates are competitive. Mortgage options and terminology In addition to mortgages options (loan types), consider some of these program differences and mortgage terminology. Loan term A mortgage loan term is the maximum length of time you have to repay the loan. Common mortgage terms are 30-year or 15-year. Longer terms usually have higher rates but lower monthly payments. Shorter terms help pay off loans quickly, saving on interest. It is possible to pay down your loan faster than the set term by making additional monthly payments toward your principal loan balance. Fixed rate vs adjustable rate A fixed rate is when your interest rate remains the same for your entire loan term. An adjustable rate stays the same for a predetermined length of time and then resets to a new interest rate on scheduled intervals. A 5-year ARM, for instance, offers a fixed interest rate for 5 years and then adjusts each year for the remaining length of the loan. Typically, the first fixed period offers a low rate, making it beneficial if you plan to refinance or move before the first rate adjustment. Conforming loans vs non-conforming loans Conforming loans have maximum loan amounts that are set by the government and conform to other rules set by Fannie Mae or Freddie Mac , the companies that provide backing for conforming loans. A non-conforming loan is less standardized with eligibility and pricing varying widely by lender. Non-conforming loans are not limited to the size limit of conforming loans, like a jumbo loan , or the guidelines like government-backed loans, although lenders will have their own criteria. Start your home buying research with a mortgage calculator A mortgage payment calculator is a powerful real estate tool that can help you do more than just estimate your monthly payments. Here are some additional ways to use our mortgage calculator: Assess down payment scenarios Adjust your down payment size to see how much it affects your monthly payment. For instance, would it be better to have more in savings after purchasing the home? Can you avoid PMI? Compare realistic monthly payments, beyond just principal and interest. Calculate mortgage rates Modify the interest rate to evaluate the impact of seemingly minor rate changes. Knowing that rates can change daily, consider the impact of waiting to improve your credit score in exchange for possibly qualifying for a lower interest rate. Click the "Schedule" for an interactive graph showing the estimated timeframe of paying off your interest, similar to our amortization calculator . Evaluate affordability Fine-tune your inputs to assess your readiness. Use our affordability calculator to dig deeper into income, debts and payments. Sample loan programs Adjust the loan program to see how each changes monthly mortgage payments. Frequently asked questions about mortgages The principal of a loan is the remaining balance of the money you borrowed. Principal does not include interest , which is the cost of the loan. Each mortgage lender will evaluate your unique financial situation to determine your mortgage eligibility. Lenders often have their own mortgage qualifications. Some of the key things lenders evaluate to determine mortgage approval are your income, employment history, credit score, credit history, and your debt-to-income ratio. In addition, the type of mortgage you choose, such as a conventional versus FHA loan , may also have unique requirements that need to be met in order to qualify. For instance, an FHA loan often requires a 3.5% down payment, but some first-time homebuyers can get a conventional loan with as little as 3% down. One of the best ways to get an estimate of how much mortgage you qualify for is by getting pre-approved by a lender. You can start the process with us at Zillow Home Loans to learn more about the types of mortgages you qualify for and get an estimated mortgage amount.
Markdown	[Skip main navigation](https://www.zillow.com/mortgage-calculator/#skip-topnav-target) [![Zillow logo](https://www.zillowstatic.com/s3/pfs/static/z-logo-default-visual-refresh.svg)](https://www.zillow.com/) - [Sign inSign in](https://www.zillow.com/auth/user/login?login_mode=redirect&entry_point=topnav) - [Join](https://www.zillow.com/auth/user/login?login_mode=redirect&entry_point=topnav) [Homepage](https://www.zillow.com/ "Zillow Real Estate") - [Buy](https://www.zillow.com/homes/for_sale/) Open Buy sub-menu - [Rent](https://www.zillow.com/homes/for_rent/) Open Rent sub-menu - [Sell](https://www.zillow.com/sell/) Open Sell sub-menu - [Get a mortgage](https://www.zillow.com/homeloans/) Open Get a mortgage sub-menu - [Find an agent](https://www.zillow.com/professionals/real-estate-agent-reviews/) Open Find an agent sub-menu - [Manage rentals](https://www.zillow.com/rental-manager/?source=topnav&itc=postbutton_sitenav) Open Manage rentals sub-menu - [Advertise](https://www.zillow.com/partners/advertise/) - [Get help](https://www.zillow.help/) - [Sign inSign in](https://www.zillow.com/auth/user/login?login_mode=redirect&entry_point=topnav) - [Join](https://www.zillow.com/auth/user/login?login_mode=redirect&entry_point=topnav) [Mortgages](https://www.zillow.com/mortgages/) / Mortgage Calculator # Mortgage Calculator Use Zillow’s home loan calculator to quickly estimate your total mortgage payment including principal and interest, plus estimates for PMI, property taxes, home insurance and HOA fees. Enter the price of a home and down payment amount to calculate your estimated mortgage payment with an itemized breakdown and schedule. Adjust the loan details to fit your scenario more accurately. ## Get a more accurate estimate Get pre-qualified with us at Zillow Home Loans to get an even more accurate estimate of your monthly mortgage payment. [Get pre-qualified](https://www.zillow.com/homeloans/eligibility/?source=Zillow&channel=Affordability_Calculator&utm_source=zillow&utm_medium=referral&cro_oeuid=undefined&utm_campaign=zhl_zillowaffordabilitycalc_c-column#/intro/) ![](https://www.zillowstatic.com/bedrock/app/uploads/sites/10/2025/02/Brand-Assets_Zillow-Home-Loans_All-Logos_NMLS-Logos_Small-Use_Zillow-Home-Loans_Horizontal_NMLS_Small_Blue_RGB.png) ![](https://www.zillowstatic.com/bedrock/app/uploads/sites/10/2025/02/spot-calculator.svg) ## Explore more mortgage calculators [FHA mortgage calculator](https://www.zillow.com/mortgage-calculator/fha-loan-calculator/) Calculate your mortgage payments on an FHA loan. [Refinance calculator](https://www.zillow.com/mortgage-calculator/refinance-calculator/) Determine whether a mortgage refinance makes sense for you. [VA mortgage calculator](https://www.zillow.com/mortgage-calculator/va/) Calculate your monthly mortgage payments on a VA loan. [Affordability calculator](https://www.zillow.com/mortgage-calculator/house-affordability/) Check how much you can comfortably afford to spend on a house. ## How much is a mortgage on a house? The monthly payment for a mortgage varies widely based on several key factors, including the price of the home, your down payment, the loan's interest rate, and the loan term. A down payment of 20% or more can lower your monthly mortgage and help you avoid [private mortgage insurance](https://www.zillow.com/learn/private-mortgage-insurance/) (PMI). Similarly, a lower interest rate and longer loan term can reduce your monthly payment, but a longer term will also mean you'll pay more in interest over the life of the loan. The table below provides a general estimate of potential mortgage payments, based on a 30-year fixed-rate mortgage with a 7% interest rate and a down payment covering 15% of the home’s price. These estimates include PMI, property taxes, homeowners insurance, and other fees, which can increase your total monthly cost. You can adjust these figures in the “advanced” dropdown section of the Mortgage Calculator. \| \| \| \| \|---\|---\|---\| \| House price \| Mortgage \| Monthly mortgage payment \| \| \$100K \| \$85,000 \| \$566 \| \| \$200K \| \$170,000 \| \$1,016 \| \| [\$300K](https://www.zillow.com/learn/how-much-is-a-mortgage-on-a-300k-house/) \| \$255,000 \| \$1,603 \| \| \$400K \| \$340,000 \| \$2,138 \| \| \$500K \| \$425,000 \| \$2,072 \| \| \$600K \| \$510,000 \| \$3,619 \| \| \$700K \| \$595,000 \| \$4,222 \| \| \$800K \| \$680,000 \| \$4,825 \| ## How to calculate mortgage payments? Zillow's mortgage calculator gives you the opportunity to customize your mortgage details while making assumptions for fields you may not know quite yet. These autofill elements make the home loan calculator easy to use and can be updated at any point. Remember, your monthly house payment includes more than just repaying the amount you borrowed to purchase the home. The "principal" is the amount you borrowed and have to pay back (the loan itself), and the interest is the amount the lender charges for lending you the money. For most borrowers, the total monthly payment sent to your mortgage lender includes other costs, such as homeowner's insurance and taxes. If you have an [escrow account](https://www.zillow.com/learn/what-is-escrow/), you pay a set amount toward these additional expenses as part of your monthly mortgage payment, which also includes your principal and interest. Your mortgage lender typically holds the money in the escrow account until those insurance and tax bills are due, and then pays them on your behalf. If your loan requires other types of insurance like [private mortgage insurance (PMI)](https://www.zillow.com/learn/private-mortgage-insurance/) or [homeowner's association dues (HOA)](https://www.zillow.com/learn/homeowners-association-fees/), these premiums may also be included in your total mortgage payment. ### Home price The price is either the amount you paid for a home or the amount you may pay for a future home purchase. ### Down payment Most home loans require at least 3% of the price of the home as a [down payment](https://www.zillow.com/learn/save-for-down-payment/). Some loans, like VA loans and some USDA loans allow [zero down](https://www.zillow.com/learn/zero-down-payment-mortgage/). Although it's a myth that a 20% down payment is required to obtain a loan, keep in mind that the higher your down payment, the lower your monthly payment. A 20% down payment also allows you to avoid paying private mortgage insurance on your loan. You can use [Zillow's down payment assistance tool](https://www.zillow.com/down-payment-assistance/) to find funds and programs you may qualify for. ### Loan program Your loan program can affect your interest rate and total monthly payments. Choose from 30-year fixed, 15-year fixed, and 5-year ARM loan scenarios in the calculator to see examples of how different loan terms mean different monthly payments. [Learn more about loan types](https://www.zillow.com/mortgage-calculator/#home-loans-to-consider). ### Interest rate Mortgage interest is the cost you pay your lender each year to borrow their money, expressed as a percentage rate. The calculator auto-populates the [current average interest rate](https://www.zillow.com/learn/how-often-do-mortgage-rates-change/). ### PMI [Private mortgage insurance (PMI) is calculated](https://www.zillow.com/learn/how-is-pmi-calculated/) based on your credit score and amount of down payment. If your loan amount is greater than 80% of the home purchase price, lenders require insurance on their investment. This is a monthly cost that increases your mortgage payment. ### Property taxes Your [estimated annual property tax](https://www.zillow.com/mortgage-calculator/property-tax-calculator/) is based on the home purchase price. The total is divided by 12 months and applied to each monthly mortgage payment. If you know the specific amount of taxes, add as an annual total. ### Home insurance Homeowner's insurance is based on the home price, and is expressed as an annual premium. The calculator divides that total by 12 months to adjust your monthly mortgage payment. [Average annual premiums](https://www.zillow.com/learn/homeowners-insurance/) usually cost less than 1% of the home price and protect your liability as the property owner and insure against hazards, loss, etc. ### HOA dues Homeowners in some developments and townhome or condominium communities pay monthly Homeowner's Association (HOA) fees to collectively pay for amenities, maintenance and some insurance. Update to include your monthly HOA costs, if applicable. If there are no HOA costs, you can leave the field blank. ## Mortgage payment equation Principal + Interest + Mortgage Insurance (if applicable) + Escrow (if applicable) = Total monthly payment The traditional monthly mortgage payment calculation includes: Principal: The amount of money you borrowed. Interest: The cost of the loan. Mortgage insurance: The mandatory insurance to protect your lender's investment of 80% or more of the home's value. Escrow: The monthly cost of property taxes, HOA dues and homeowner's insurance. Payments: Multiply the years of your loan by 12 months to calculate the total number of payments. A 30-year term is 360 payments (30 years x 12 months = 360 payments). ## Type of home loans to consider The loan type you select affects your monthly mortgage payment. Explore mortgage options to fit your purchasing scenario and save money. ### Conventional loan (conforming loan) Conventional loans are backed by private lenders, like a bank, rather than the federal government and often have strict requirements around credit score and debt-to-income ratios. If you have excellent credit with a 20% down payment, a [conventional loan](https://www.zillow.com/learn/conventional-loan/) may be a great option, as it usually offers lower interest rates without private mortgage insurance (PMI). You can still obtain a conventional loan with less than a 20% down payment, but PMI will be required. ### FHA loan (government loan) An [FHA loan](https://www.zillow.com/learn/fha-loan/) is government-backed, insured by the Federal Housing Administration. FHA loans have looser requirements around credit scores and allow for [low down payments](https://www.zillow.com/learn/fha-loan-down-payment/). An FHA loan will come with mandatory [mortgage insurance](https://www.zillow.com/learn/fha-mortgage-insurance/) for the life of the loan. ### VA loan (government loan) [VA loans](https://www.zillow.com/learn/va-home-loans/) are partially backed by the Department of Veterans Affairs, allowing eligible veterans to purchase homes with [zero down payment](https://www.zillow.com/learn/va-loan-down-payment/) (in most cases) at competitive rates. You won't pay PMI, but VA loans do require a [funding fee](https://www.zillow.com/learn/va-loan-fees/). ### USDA loan (government loan) The United States Department of Agriculture backs [USDA loans](https://www.zillow.com/learn/usda-loans/) that benefit low-income borrowers purchasing in eligible, rural areas. Credit requirements are loose on USDA loans. While an [upfront funding fee](https://www.zillow.com/learn/usda-guarantee-fee/) is required on these loans, your down payment can be as little as zero down without paying PMI. ### Jumbo mortgages (non-conforming) [Jumbo loans](https://www.zillow.com/learn/what-are-jumbo-loans/) are named based on the size of the loan. When a loan exceeds a certain amount (the [conforming loan limit](https://www.zillow.com/learn/conforming-loan-limits/)), it's not insured by the Federal government. Loan limits change annually and are specific to the local market. Jumbo loans allow you to purchase more expensive properties but often require 20% down, which can cost more than \$100,000 at closing. Rates are competitive. ## Mortgage options and terminology In addition to mortgages options (loan types), consider some of these program differences and mortgage terminology. ### Loan term A mortgage loan term is the maximum length of time you have to repay the loan. Common mortgage terms are 30-year or 15-year. Longer terms usually have higher rates but lower monthly payments. Shorter terms help pay off loans quickly, saving on interest. It is possible to pay down your loan faster than the set term by making additional monthly payments toward your principal loan balance. ### Fixed rate vs adjustable rate A [fixed rate](https://www.zillow.com/learn/fixed-rate-mortgage/) is when your interest rate remains the same for your entire loan term. An [adjustable rate](https://www.zillow.com/learn/adjustable-rate-mortgage/) stays the same for a predetermined length of time and then resets to a new interest rate on scheduled intervals. A 5-year ARM, for instance, offers a fixed interest rate for 5 years and then adjusts each year for the remaining length of the loan. Typically, the first fixed period offers a low rate, making it beneficial if you plan to refinance or move before the first rate adjustment. ### Conforming loans vs non-conforming loans [Conforming loans](https://www.zillow.com/learn/conforming-loan/) have maximum loan amounts that are set by the government and conform to other rules set by [Fannie Mae or Freddie Mac](https://www.zillow.com/learn/fannie-mae-and-freddie-mac/), the companies that provide backing for conforming loans. A [non-conforming loan](https://www.zillow.com/learn/non-conforming-loan/) is less standardized with eligibility and pricing varying widely by lender. Non-conforming loans are not limited to the size limit of conforming loans, like a [jumbo loan](https://www.zillow.com/learn/jumbo-loan-limits/), or the guidelines like government-backed loans, although lenders will have their own criteria. ## Start your home buying research with a mortgage calculator A mortgage payment calculator is a powerful real estate tool that can help you do more than just estimate your monthly payments. Here are some additional ways to use our mortgage calculator: ![](https://www.zillowstatic.com/bedrock/app/uploads/sites/10/2025/02/1.svg) ### Assess down payment scenarios Adjust your down payment size to see how much it affects your monthly payment. For instance, would it be better to have more in savings after purchasing the home? Can you avoid PMI? Compare realistic monthly payments, beyond just principal and interest. ![](https://www.zillowstatic.com/bedrock/app/uploads/sites/10/2025/02/2.svg) ### Calculate mortgage rates Modify the interest rate to evaluate the impact of seemingly minor rate changes. Knowing that rates can change daily, consider the impact of waiting to improve your credit score in exchange for possibly qualifying for a lower interest rate. Click the "Schedule" for an interactive graph showing the estimated timeframe of paying off your interest, similar to our [amortization calculator](https://www.zillow.com/mortgage-calculator/amortization-schedule-calculator/). ![](https://www.zillowstatic.com/bedrock/app/uploads/sites/10/2025/02/3.svg) ### Evaluate affordability Fine-tune your inputs to assess your readiness. Use our [affordability calculator](https://www.zillow.com/mortgage-calculator/house-affordability/) to dig deeper into income, debts and payments. ![](https://www.zillowstatic.com/bedrock/app/uploads/sites/10/2025/02/4.svg) ### Sample loan programs Adjust the loan program to see how each changes monthly mortgage payments. ## Frequently asked questions about mortgages What is the principal of a loan? The [principal](https://www.zillow.com/learn/mortgage-principal/) of a loan is the remaining balance of the money you borrowed. Principal does not include [interest](https://www.zillow.com/learn/how-does-mortgage-interest-work/), which is the cost of the loan. How much mortgage can I get approved for? Each mortgage lender will evaluate your unique financial situation to determine your mortgage eligibility. Lenders often have their own mortgage qualifications. Some of the key things lenders evaluate to [determine mortgage approval](https://www.zillow.com/learn/how-to-get-a-mortgage/) are your income, employment history, credit score, credit history, and your debt-to-income ratio. In addition, the type of mortgage you choose, such as a [conventional versus FHA loan](https://www.zillow.com/learn/fha-vs-conventional-loans/), may also have unique requirements that need to be met in order to qualify. For instance, an FHA loan often requires a 3.5% down payment, but some first-time homebuyers can get a conventional loan with as little as 3% down. One of the best ways to get an estimate of how much mortgage you qualify for is by getting pre-approved by a lender. You can start the process with us at [Zillow Home Loans](https://www.zillow.com/homeloans/eligibility/intro/?source=Zillow&channel=Resources) to learn more about the types of mortgages you qualify for and get an estimated mortgage amount. What is a down payment? The [down payment](https://www.zillow.com/learn/down-payment-on-a-house/) is the money you pay upfront to purchase a home. The down payment plus the loan amount should add up to the cost of the home. [Estimate your down payment](https://www.zillow.com/mortgage-calculator/down-payment-calculator/) amount with the help of our calculator. APR vs interest rate? Interest rate is the base fee for borrowing money, while the annual percentage rate (APR) is the interest rate plus the lender fees. APR gives you an accurate idea of the cost of a financing offer, highlighting the [relationship between rate and fees](https://www.zillow.com/learn/apr-vs-interest-rate/). How much are closing costs? Closing costs for a home buyer are typically [2% to 5% of the purchase price](https://www.zillow.com/learn/closing-costs/) of the home. Depending on loan type, these costs may [roll into the mortgage payment](https://www.zillow.com/learn/can-closing-costs-be-rolled-into-mortgage/) or be paid at closing. [Agent commission](https://www.zillow.com/learn/negotiating-with-real-estate-agents/) is traditionally paid by the seller. How much is private mortgage insurance? The cost of [private mortgage insurance](https://www.zillow.com/learn/private-mortgage-insurance/) varies based on factors such as credit score, down payment and loan type. How much is homeowner's insurance? You should consult with your insurance carrier, but the general thought is that homeowner's insurance costs roughly [\$](https://www.zillow.com/mortgage-learning/homeowners-insurance/)[35 per month for every \$100,000](https://www.zillow.com/learn/homeowners-insurance/) of the home value. ## Related articles [What is Private Mortgage Insurance (PMI)?](https://www.zillow.com/learn/private-mortgage-insurance/) Questions about the PMI in the mortgage calculator? Find out why PMI may be required for your loan and see how you can avoid paying it. [Down Payments: How Much Do You Need to Save?](https://www.zillow.com/learn/save-for-down-payment/) Wondering what down payment amount to enter into the mortgage payment calculator? Here’s a look at what the ideal down payment is. [Complete Guide to FHA Loans](https://www.zillow.com/learn/fha-loan/) Considering an FHA loan for your new home? Read about FHA loans and find out why they’re a popular option for first time homebuyers. ## Mortgage Resources ## Mortgage rates - [Current mortgage rates](https://www.zillow.com/homeloans/mortgage-rates/) - [Refinance rates](https://www.zillow.com/refinance/) - [30-year mortgage rates](https://www.zillow.com/homeloans/mortgage-rates/30-year-fixed/) - [20-year mortgage rates](https://www.zillow.com/homeloans/mortgage-rates/20-year-fixed/) - [15-year mortgage rates](https://www.zillow.com/homeloans/mortgage-rates/15-year-fixed/) - [10-year mortgage rates](https://www.zillow.com/homeloans/mortgage-rates/10-year-fixed/) - [FHA mortgage rates](https://www.zillow.com/homeloans/mortgage-rates/fha-mortgage-rates/) - [VA mortgage rates](https://www.zillow.com/homeloans/mortgage-rates/va-mortgage-rates/) - [7-year ARM rates](https://www.zillow.com/homeloans/mortgage-rates/7-year-arm/) - [Jumbo mortgage rates](https://www.zillow.com/homeloans/mortgage-rates/jumbo-mortgage-rates/) - [VA refinance rates](https://www.zillow.com/mortgage-rates/va-refinance-rates/) ## Mortgage options - [Zillow Home Loans](https://www.zillow.com/homeloans/) - [Get pre-qualified](https://www.zillow.com/homeloans/eligibility/intro/) - [Conventional loans](https://www.zillow.com/learn/conventional-loan/) - [FHA loans](https://www.zillow.com/learn/fha-loan/) - [ARM loans](https://www.zillow.com/learn/adjustable-rate-mortgage/) - [VA loans](https://www.zillow.com/learn/va-home-loans/) - [USDA loans](https://www.zillow.com/learn/usda-loans/) - [Jumbo loans](https://www.zillow.com/learn/what-are-jumbo-loans/) - [First-time home buyer programs](https://www.zillow.com/learn/first-time-buyer-loan-programs/) - [How to get down payment assistance](https://www.zillow.com/down-payment-assistance/) - [HELOC](https://www.zillow.com/mortgages/heloc/) ## Mortgage calculators - [Mortgage calculator](https://www.zillow.com/mortgage-calculator/) - [Affordability calculator](https://www.zillow.com/mortgage-calculator/house-affordability/) - [Debt-to-income calculator](https://www.zillow.com/mortgage-calculator/debt-to-income-calculator/) - [VA mortgage calculator](https://www.zillow.com/mortgage-calculator/va/) - [FHA mortgage calculator](https://www.zillow.com/mortgage-calculator/fha-loan-calculator/) - [Refinance calculator](https://www.zillow.com/mortgage-calculator/refinance-calculator/) - [Property tax calculator](https://www.zillow.com/mortgage-calculator/property-tax-calculator/) - [Amortization calculator](https://www.zillow.com/mortgage-calculator/amortization-schedule-calculator/) - [Closing cost calculator](https://www.zillow.com/mortgage-calculator/closing-cost-calculator/) - [Down payment calculator](https://www.zillow.com/mortgage-calculator/down-payment-calculator/) - [Cash-out refinance calculator](https://www.zillow.com/mortgage-calculator/cash-out-refinance/) - [Loan comparison calculator](https://www.zillow.com/mortgage-calculator/loan-comparison-calculator/) ## Mortgage resources - [Mortgage application process](https://www.zillow.com/learn/mortgage-application-paperwork/) - [How to get a mortgage](https://www.zillow.com/learn/how-to-get-a-mortgage/) - [When to get pre-approved for a mortgage?](https://www.zillow.com/learn/when-to-get-mortgage-preapproval/) - [What documents do you need for mortgage pre-approval?](https://www.zillow.com/learn/documents-needed-for-mortgage-preapproval/) - [How long is mortgage pre-approval good for?](https://www.zillow.com/learn/how-long-is-mortgage-preapproval-good-for/) - [Pre-qualified vs pre-approved: what's the difference?](https://www.zillow.com/learn/pre-qualification-vs-pre-approval/) - [How long does mortgage underwriting take?](https://www.zillow.com/learn/how-long-does-underwriting-take/) - [What percentage of your income should go to a mortgage?](https://www.zillow.com/learn/percentage-of-income-for-mortgage/) - [What credit score is needed to buy a house?](https://www.zillow.com/learn/mortgage-credit-scores/) ## Current Mortgage Rates by State - [United States](https://www.zillow.com/homeloans/mortgage-rates/) - [Alabama](https://www.zillow.com/homeloans/mortgage-rates/alabama/) - [Alaska](https://www.zillow.com/homeloans/mortgage-rates/alaska/) - [Arizona](https://www.zillow.com/homeloans/mortgage-rates/arizona/) - [Arkansas](https://www.zillow.com/homeloans/mortgage-rates/arkansas/) - [California](https://www.zillow.com/homeloans/mortgage-rates/california/) - [Colorado](https://www.zillow.com/homeloans/mortgage-rates/colorado/) - [Connecticut](https://www.zillow.com/homeloans/mortgage-rates/connecticut/) - [Delaware](https://www.zillow.com/homeloans/mortgage-rates/delaware/) - [Florida](https://www.zillow.com/homeloans/mortgage-rates/florida/) - [Georgia](https://www.zillow.com/homeloans/mortgage-rates/georgia/) - [Hawaii](https://www.zillow.com/homeloans/mortgage-rates/hawaii/) - [Idaho](https://www.zillow.com/homeloans/mortgage-rates/idaho/) - [Illinois](https://www.zillow.com/homeloans/mortgage-rates/illinois/) - [Indiana](https://www.zillow.com/homeloans/mortgage-rates/indiana/) - [Iowa](https://www.zillow.com/homeloans/mortgage-rates/iowa/) - [Kansas](https://www.zillow.com/homeloans/mortgage-rates/kansas/) - [Kentucky](https://www.zillow.com/homeloans/mortgage-rates/kentucky/) - [Louisiana](https://www.zillow.com/homeloans/mortgage-rates/louisiana/) - [Maine](https://www.zillow.com/homeloans/mortgage-rates/maine/) - [Maryland](https://www.zillow.com/homeloans/mortgage-rates/maryland/) - [Massachusetts](https://www.zillow.com/homeloans/mortgage-rates/massachusetts/) - [Michigan](https://www.zillow.com/homeloans/mortgage-rates/michigan/) - [Minnesota](https://www.zillow.com/homeloans/mortgage-rates/minnesota/) - [Mississippi](https://www.zillow.com/homeloans/mortgage-rates/mississippi/) - [Missouri](https://www.zillow.com/homeloans/mortgage-rates/missouri/) - [Montana](https://www.zillow.com/homeloans/mortgage-rates/montana/) - [Nebraska](https://www.zillow.com/homeloans/mortgage-rates/nebraska/) - [Nevada](https://www.zillow.com/homeloans/mortgage-rates/nevada/) - [New Hampshire](https://www.zillow.com/homeloans/mortgage-rates/new-hampshire/) - [New Jersey](https://www.zillow.com/homeloans/mortgage-rates/new-jersey/) - [New Mexico](https://www.zillow.com/homeloans/mortgage-rates/new-mexico/) - [New York](https://www.zillow.com/mortgage-rates/ny/) - [North Carolina](https://www.zillow.com/homeloans/mortgage-rates/north-carolina/) - [North Dakota](https://www.zillow.com/homeloans/mortgage-rates/north-dakota/) - [Ohio](https://www.zillow.com/homeloans/mortgage-rates/ohio/) - [Oklahoma](https://www.zillow.com/homeloans/mortgage-rates/oklahoma/) - [Oregon](https://www.zillow.com/homeloans/mortgage-rates/oregon/) - [Pennsylvania](https://www.zillow.com/homeloans/mortgage-rates/pennsylvania/) - [Rhode Island](https://www.zillow.com/homeloans/mortgage-rates/rhode-island/) - [South Carolina](https://www.zillow.com/homeloans/mortgage-rates/south-carolina/) - [South Dakota](https://www.zillow.com/homeloans/mortgage-rates/south-dakota/) - [Tennessee](https://www.zillow.com/homeloans/mortgage-rates/tennessee/) - [Texas](https://www.zillow.com/homeloans/mortgage-rates/texas/) - [Utah](https://www.zillow.com/homeloans/mortgage-rates/utah/) - [Vermont](https://www.zillow.com/homeloans/mortgage-rates/vermont/) - 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Readable Markdown	Use Zillow’s home loan calculator to quickly estimate your total mortgage payment including principal and interest, plus estimates for PMI, property taxes, home insurance and HOA fees. Enter the price of a home and down payment amount to calculate your estimated mortgage payment with an itemized breakdown and schedule. Adjust the loan details to fit your scenario more accurately. ## Get a more accurate estimate Get pre-qualified with us at Zillow Home Loans to get an even more accurate estimate of your monthly mortgage payment. ![](https://www.zillowstatic.com/bedrock/app/uploads/sites/10/2025/02/Brand-Assets_Zillow-Home-Loans_All-Logos_NMLS-Logos_Small-Use_Zillow-Home-Loans_Horizontal_NMLS_Small_Blue_RGB.png) ![](https://www.zillowstatic.com/bedrock/app/uploads/sites/10/2025/02/spot-calculator.svg) ## Explore more mortgage calculators Calculate your mortgage payments on an FHA loan. Determine whether a mortgage refinance makes sense for you. Calculate your monthly mortgage payments on a VA loan. Check how much you can comfortably afford to spend on a house. ## How much is a mortgage on a house? The monthly payment for a mortgage varies widely based on several key factors, including the price of the home, your down payment, the loan's interest rate, and the loan term. A down payment of 20% or more can lower your monthly mortgage and help you avoid [private mortgage insurance](https://www.zillow.com/learn/private-mortgage-insurance/) (PMI). Similarly, a lower interest rate and longer loan term can reduce your monthly payment, but a longer term will also mean you'll pay more in interest over the life of the loan. The table below provides a general estimate of potential mortgage payments, based on a 30-year fixed-rate mortgage with a 7% interest rate and a down payment covering 15% of the home’s price. These estimates include PMI, property taxes, homeowners insurance, and other fees, which can increase your total monthly cost. You can adjust these figures in the “advanced” dropdown section of the Mortgage Calculator. \| \| \| \| \|---\|---\|---\| \| House price \| Mortgage \| Monthly mortgage payment \| \| \$100K \| \$85,000 \| \$566 \| \| \$200K \| \$170,000 \| \$1,016 \| \| [\$300K](https://www.zillow.com/learn/how-much-is-a-mortgage-on-a-300k-house/) \| \$255,000 \| \$1,603 \| \| \$400K \| \$340,000 \| \$2,138 \| \| \$500K \| \$425,000 \| \$2,072 \| \| \$600K \| \$510,000 \| \$3,619 \| \| \$700K \| \$595,000 \| \$4,222 \| \| \$800K \| \$680,000 \| \$4,825 \| ## How to calculate mortgage payments? Zillow's mortgage calculator gives you the opportunity to customize your mortgage details while making assumptions for fields you may not know quite yet. These autofill elements make the home loan calculator easy to use and can be updated at any point. Remember, your monthly house payment includes more than just repaying the amount you borrowed to purchase the home. The "principal" is the amount you borrowed and have to pay back (the loan itself), and the interest is the amount the lender charges for lending you the money. For most borrowers, the total monthly payment sent to your mortgage lender includes other costs, such as homeowner's insurance and taxes. If you have an [escrow account](https://www.zillow.com/learn/what-is-escrow/), you pay a set amount toward these additional expenses as part of your monthly mortgage payment, which also includes your principal and interest. Your mortgage lender typically holds the money in the escrow account until those insurance and tax bills are due, and then pays them on your behalf. If your loan requires other types of insurance like [private mortgage insurance (PMI)](https://www.zillow.com/learn/private-mortgage-insurance/) or [homeowner's association dues (HOA)](https://www.zillow.com/learn/homeowners-association-fees/), these premiums may also be included in your total mortgage payment. ### Home price The price is either the amount you paid for a home or the amount you may pay for a future home purchase. ### Down payment Most home loans require at least 3% of the price of the home as a [down payment](https://www.zillow.com/learn/save-for-down-payment/). Some loans, like VA loans and some USDA loans allow [zero down](https://www.zillow.com/learn/zero-down-payment-mortgage/). Although it's a myth that a 20% down payment is required to obtain a loan, keep in mind that the higher your down payment, the lower your monthly payment. A 20% down payment also allows you to avoid paying private mortgage insurance on your loan. You can use [Zillow's down payment assistance tool](https://www.zillow.com/down-payment-assistance/) to find funds and programs you may qualify for. ### Loan program Your loan program can affect your interest rate and total monthly payments. Choose from 30-year fixed, 15-year fixed, and 5-year ARM loan scenarios in the calculator to see examples of how different loan terms mean different monthly payments. [Learn more about loan types](https://www.zillow.com/mortgage-calculator/#home-loans-to-consider). ### Interest rate Mortgage interest is the cost you pay your lender each year to borrow their money, expressed as a percentage rate. The calculator auto-populates the [current average interest rate](https://www.zillow.com/learn/how-often-do-mortgage-rates-change/). ### PMI [Private mortgage insurance (PMI) is calculated](https://www.zillow.com/learn/how-is-pmi-calculated/) based on your credit score and amount of down payment. If your loan amount is greater than 80% of the home purchase price, lenders require insurance on their investment. This is a monthly cost that increases your mortgage payment. ### Property taxes Your [estimated annual property tax](https://www.zillow.com/mortgage-calculator/property-tax-calculator/) is based on the home purchase price. The total is divided by 12 months and applied to each monthly mortgage payment. If you know the specific amount of taxes, add as an annual total. ### Home insurance Homeowner's insurance is based on the home price, and is expressed as an annual premium. The calculator divides that total by 12 months to adjust your monthly mortgage payment. [Average annual premiums](https://www.zillow.com/learn/homeowners-insurance/) usually cost less than 1% of the home price and protect your liability as the property owner and insure against hazards, loss, etc. ### HOA dues Homeowners in some developments and townhome or condominium communities pay monthly Homeowner's Association (HOA) fees to collectively pay for amenities, maintenance and some insurance. Update to include your monthly HOA costs, if applicable. If there are no HOA costs, you can leave the field blank. ## Mortgage payment equation Principal + Interest + Mortgage Insurance (if applicable) + Escrow (if applicable) = Total monthly payment The traditional monthly mortgage payment calculation includes: Principal: The amount of money you borrowed. Interest: The cost of the loan. Mortgage insurance: The mandatory insurance to protect your lender's investment of 80% or more of the home's value. Escrow: The monthly cost of property taxes, HOA dues and homeowner's insurance. Payments: Multiply the years of your loan by 12 months to calculate the total number of payments. A 30-year term is 360 payments (30 years x 12 months = 360 payments). ## Type of home loans to consider The loan type you select affects your monthly mortgage payment. Explore mortgage options to fit your purchasing scenario and save money. ### Conventional loan (conforming loan) Conventional loans are backed by private lenders, like a bank, rather than the federal government and often have strict requirements around credit score and debt-to-income ratios. If you have excellent credit with a 20% down payment, a [conventional loan](https://www.zillow.com/learn/conventional-loan/) may be a great option, as it usually offers lower interest rates without private mortgage insurance (PMI). You can still obtain a conventional loan with less than a 20% down payment, but PMI will be required. ### FHA loan (government loan) An [FHA loan](https://www.zillow.com/learn/fha-loan/) is government-backed, insured by the Federal Housing Administration. FHA loans have looser requirements around credit scores and allow for [low down payments](https://www.zillow.com/learn/fha-loan-down-payment/). An FHA loan will come with mandatory [mortgage insurance](https://www.zillow.com/learn/fha-mortgage-insurance/) for the life of the loan. ### VA loan (government loan) [VA loans](https://www.zillow.com/learn/va-home-loans/) are partially backed by the Department of Veterans Affairs, allowing eligible veterans to purchase homes with [zero down payment](https://www.zillow.com/learn/va-loan-down-payment/) (in most cases) at competitive rates. You won't pay PMI, but VA loans do require a [funding fee](https://www.zillow.com/learn/va-loan-fees/). ### USDA loan (government loan) The United States Department of Agriculture backs [USDA loans](https://www.zillow.com/learn/usda-loans/) that benefit low-income borrowers purchasing in eligible, rural areas. Credit requirements are loose on USDA loans. While an [upfront funding fee](https://www.zillow.com/learn/usda-guarantee-fee/) is required on these loans, your down payment can be as little as zero down without paying PMI. ### Jumbo mortgages (non-conforming) [Jumbo loans](https://www.zillow.com/learn/what-are-jumbo-loans/) are named based on the size of the loan. When a loan exceeds a certain amount (the [conforming loan limit](https://www.zillow.com/learn/conforming-loan-limits/)), it's not insured by the Federal government. Loan limits change annually and are specific to the local market. Jumbo loans allow you to purchase more expensive properties but often require 20% down, which can cost more than \$100,000 at closing. Rates are competitive. ## Mortgage options and terminology In addition to mortgages options (loan types), consider some of these program differences and mortgage terminology. ### Loan term A mortgage loan term is the maximum length of time you have to repay the loan. Common mortgage terms are 30-year or 15-year. Longer terms usually have higher rates but lower monthly payments. Shorter terms help pay off loans quickly, saving on interest. It is possible to pay down your loan faster than the set term by making additional monthly payments toward your principal loan balance. ### Fixed rate vs adjustable rate A [fixed rate](https://www.zillow.com/learn/fixed-rate-mortgage/) is when your interest rate remains the same for your entire loan term. An [adjustable rate](https://www.zillow.com/learn/adjustable-rate-mortgage/) stays the same for a predetermined length of time and then resets to a new interest rate on scheduled intervals. A 5-year ARM, for instance, offers a fixed interest rate for 5 years and then adjusts each year for the remaining length of the loan. Typically, the first fixed period offers a low rate, making it beneficial if you plan to refinance or move before the first rate adjustment. ### Conforming loans vs non-conforming loans [Conforming loans](https://www.zillow.com/learn/conforming-loan/) have maximum loan amounts that are set by the government and conform to other rules set by [Fannie Mae or Freddie Mac](https://www.zillow.com/learn/fannie-mae-and-freddie-mac/), the companies that provide backing for conforming loans. A [non-conforming loan](https://www.zillow.com/learn/non-conforming-loan/) is less standardized with eligibility and pricing varying widely by lender. Non-conforming loans are not limited to the size limit of conforming loans, like a [jumbo loan](https://www.zillow.com/learn/jumbo-loan-limits/), or the guidelines like government-backed loans, although lenders will have their own criteria. ## Start your home buying research with a mortgage calculator A mortgage payment calculator is a powerful real estate tool that can help you do more than just estimate your monthly payments. Here are some additional ways to use our mortgage calculator: ![](https://www.zillowstatic.com/bedrock/app/uploads/sites/10/2025/02/1.svg) ### Assess down payment scenarios Adjust your down payment size to see how much it affects your monthly payment. For instance, would it be better to have more in savings after purchasing the home? Can you avoid PMI? Compare realistic monthly payments, beyond just principal and interest. ![](https://www.zillowstatic.com/bedrock/app/uploads/sites/10/2025/02/2.svg) ### Calculate mortgage rates Modify the interest rate to evaluate the impact of seemingly minor rate changes. Knowing that rates can change daily, consider the impact of waiting to improve your credit score in exchange for possibly qualifying for a lower interest rate. Click the "Schedule" for an interactive graph showing the estimated timeframe of paying off your interest, similar to our [amortization calculator](https://www.zillow.com/mortgage-calculator/amortization-schedule-calculator/). ![](https://www.zillowstatic.com/bedrock/app/uploads/sites/10/2025/02/3.svg) ### Evaluate affordability Fine-tune your inputs to assess your readiness. Use our [affordability calculator](https://www.zillow.com/mortgage-calculator/house-affordability/) to dig deeper into income, debts and payments. ![](https://www.zillowstatic.com/bedrock/app/uploads/sites/10/2025/02/4.svg) ### Sample loan programs Adjust the loan program to see how each changes monthly mortgage payments. Frequently asked questions about mortgages The [principal](https://www.zillow.com/learn/mortgage-principal/) of a loan is the remaining balance of the money you borrowed. Principal does not include [interest](https://www.zillow.com/learn/how-does-mortgage-interest-work/), which is the cost of the loan. Each mortgage lender will evaluate your unique financial situation to determine your mortgage eligibility. Lenders often have their own mortgage qualifications. Some of the key things lenders evaluate to [determine mortgage approval](https://www.zillow.com/learn/how-to-get-a-mortgage/) are your income, employment history, credit score, credit history, and your debt-to-income ratio. In addition, the type of mortgage you choose, such as a [conventional versus FHA loan](https://www.zillow.com/learn/fha-vs-conventional-loans/), may also have unique requirements that need to be met in order to qualify. For instance, an FHA loan often requires a 3.5% down payment, but some first-time homebuyers can get a conventional loan with as little as 3% down. One of the best ways to get an estimate of how much mortgage you qualify for is by getting pre-approved by a lender. You can start the process with us at [Zillow Home Loans](https://www.zillow.com/homeloans/eligibility/intro/?source=Zillow&channel=Resources) to learn more about the types of mortgages you qualify for and get an estimated mortgage amount.
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