US Mortgage Payment Calculator
Estimate monthly mortgage payment, total paid, and total interest for a fixed-rate home loan.
Last updated: 2026-03-18Sources: 1 sources
What this page helps you check
Estimate monthly payment, total paid, and total interest for a fixed-rate mortgage using loan amount, interest rate, and term.
- Compare 15-year and 30-year mortgage scenarios
- See how rate changes affect monthly payment and total interest
USD
6.50%
0%12%
Loan term
30years
Monthly principal and interest
$2,529
Total paid over the loan term
$910,440
Total interest
$510,440
Last updated: 2026-03-18
This result covers principal and interest only. Property taxes, homeowners insurance, HOA dues, PMI, escrow, and lender fees are not included.
How to read the result
The result covers principal and interest only. Property taxes, homeowners insurance, HOA dues, PMI, and lender fees are not included unless you add them separately in your own budgeting.
FAQ
- Does this include taxes and insurance?
- No. The result only includes principal and interest. Add taxes, insurance, and other housing costs separately.
- Can I use this for a 15-year or 30-year mortgage?
- Yes. Enter the term you want to compare, including common 15-year and 30-year options.
- Does this work for adjustable-rate mortgages?
- Not well. It assumes one fixed rate for the entire term, so it is best for fixed-rate planning scenarios.