Mortgage Payment Calculator
Estimate the whole housing payment, not just principal and interest — taxes, insurance and HOA dues included.
Your numbers
Everything is calculated in your browser. Nothing you type here is sent to Verdi or stored anywhere.
Total monthly payment
$2,673.75
principal, interest, taxes, insurance and HOA
- Principal & interest
- $2,123.75
- Taxes, insurance & HOA
- $550.00
- Loan amount
- $336,000
- Down payment
- $84,000 (20.0%)
- Total interest over the loan
- $428,549
How to use this calculator
Why the escrow line matters
Buyers often compare mortgages on principal and interest alone, then get surprised by the real payment. Property taxes and insurance are usually collected monthly by your lender and can add hundreds of dollars.
Mortgage insurance
Putting down less than 20% typically triggers private mortgage insurance, which is not included above. Add it as an extra monthly cost until you reach roughly 20% equity.
Common questions
Does this include PMI?
No. If your down payment is under 20%, expect to add private mortgage insurance on top — commonly a few tenths of a percent of the loan amount per year.
How much house can I afford?
Use the home affordability calculator instead. It works backwards from your income, debts and down payment to a price range.
This calculator is an educational estimate based only on the figures you enter. Verdi does not provide financial, investment, tax, legal, credit or lending advice. Actual rates, fees, taxes and terms offered to you may differ.