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Mortgage Payment Calculator

Your real monthly payment is more than principal and interest. Enter your numbers to see the full PITI, principal, interest, taxes, insurance, plus HOA and PMI when they apply.

By Mike Certo, NMLS #260555,

Estimator only. No rates are quoted here; you enter your own scenario. Confirm live numbers with us.

Loan inputs

Purchase
Rates move daily and depend on your loan type, credit, and term. Enter an estimate; Mike gives you a live quote.
Taxes & insurance
Use the county assessor's figure for the property, or your best estimate.
Rough PMI estimate at ~0.6% of the loan per year when down payment is under 20%. Actual PMI depends on credit and loan-to-value.

Your monthly payment

$0 full monthly payment (PITI + HOA + PMI)
Loan amount$0
Principal & interest$0
Property tax$0
Homeowners insurance$0
HOA$0
PMI (est., if applicable)$0
Total monthly$0
What this leaves out: utilities, maintenance, and (in many regions) seasonal costs aren't in a mortgage payment but are real. Budget them so your true cost of owning isn't a surprise. The loan type you choose changes this number as much as the price does, we'll walk you through which fits.

Talk to a loan specialist about your numbers

Want Mike Certo (Cornerstone First Mortgage, NMLS #260555) to run this on a live scenario and find the loan type with the lowest real payment? Our team calls you back shortly. No commitment, no pressure.

Related tools: start with the affordability calculator to find your price, see how much help you could get with the down payment assistance calculator, or browse all Virginia mortgage calculators.

Estimates only. Not a commitment to lend. Actual terms depend on full underwriting including credit, income, assets, and property appraisal. No interest rate is quoted on this page; figures use the rate you enter. PMI shown is a rough estimate, not a quote. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.