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Mortgage calculator with the whole payment.

Most calculators stop at principal and interest. This one includes HOA dues, property tax, HO-6 insurance, and PMI that drops off at 80% loan-to-value, because that is the number your budget actually has to survive. Built by a broker who underwrites his own deals. Every calculation runs locally in your browser; nothing is stored or sent anywhere.

Purchase price ($)

Down payment (%)

Down ($)

Rate (% APR)

Term (years)

Levy rate ($ per $1,000)

Or annual tax ($)

Property tax = assessed value ÷ 1,000 × levy rate. The default levy rate is illustrative; look up the parcel's actual rate in the King County levy reports.

HOA dues ($/mo)

HO-6 insurance ($/mo)

PMI (%/yr of loan)

Extra principal ($/mo)

PMI applies only while the loan is above 80% of the purchase price and drops automatically in the model. The default PMI rate is illustrative; your lender quote controls.

Total monthly payment, month one

Loan over time

View amortization table

Stress tests

The payment you can afford is the one that survives bad news. Illustrative, adjustable.

This calculator is educational and illustrative. It is not a loan estimate, lending advice, tax advice, or insurance advice, and it does not include every cost of ownership (utilities, maintenance, assessments). Confirm real numbers with your lender, insurer, and the county. Built by Prithvi Dhelia, real estate broker at Beyond Real Estate. For the thinking behind it, read the total monthly cost of owning a condo in Kirkland.