Mortgage Calulator

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.
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MORTGAGE HELP

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

What Our Clients Say

Joseph Skornicka

Corey and his team at Journey Real Estate recently helped my parents sell their home in Navato and we were very happy with the job they did. We were very impressed with his understanding of the local real estate market. Additionally, Corey and team were able to operate under a very tight schedule as we ideally needed to complete the entire process in just about a month! A big thank you to Corey and we would highly recommend his team to anyone looking to sell their home!

Arifa Akter

⭐⭐⭐⭐⭐ Working with Corey Robinson of Journey Real Estate was an outstanding experience from beginning to end. Their deep knowledge of Marin and Sonoma County markets immediately stood out, and their guidance made every step of the process feel clear and well-managed. They were consistently responsive, professional, and attentive to detail, always making sure I felt informed and confident in my decisions. What really impressed me was their ability to combine strong negotiation skills with a genuinely client-focused approach.

Shirley Yu

There is not enough space to talk about Corey’s service, status updates on the purchase, attention to details, and extensive contacts. In our purchase, Corey reached out and was able to facilitate a hiccup on the sellers end. A few years ago Corey sold my home and just made that transaction easy with his list of painters, contractors, stagers, etc. and of course his calm and supportive demeanor. Thank you Corey!
Corey Robinson
Corey Robinson

Founder

+1(415) 858-9469 | corey@thejourneyre.com

Making home buying simple and stress-free.

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By checking this box, I agree by electronic signature to the Electronic Disclosure Consent Agreement; to receive recurring marketing communication from Journey Real Estate, including auto-dialed calls, texts, and artificial/prerecorded voice messages (message frequency varies; data rates may apply; reply "STOP" to opt-out of texts or "HELP" for assistance); and to the Terms of Service and Privacy Policy of this website. Consent not required to make a purchase. I understand that I can call to obtain direct assistance.