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

Laurent WAHARTE

We had a wonderful experience working with Corey Robinson and the team at Journey Real Estate during the purchase of our home in San Rafael. From our very first meeting, Corey was friendly, approachable, and always available to answer our questions. He took the time to truly understand what we were looking for and guided us through every step of the home-buying process. We never felt pressured to make a decision. Instead, Corey helped us find a home that felt right for us—not only in terms of the house itself, but also the neighborhood, lifestyle, and our budget. One of the things we appreciated most was Corey's guidance when it came time to make an offer. He helped us put together an offer that was fair and competitive, balancing our interests with those of the seller rather than simply encouraging us to bid as high as possible. That thoughtful approach was instrumental in making the transaction a success and gave us confidence throughout the negotiation process. Another thing that really stood out was the time Corey spent reviewing all of the disclosures with us. He carefully walked us through the reports, explained anything that wasn't clear, and made sure we fully understood the condition of the property before moving forward. We always felt informed and confident in our decisions. What we appreciated most overall was the genuine relationship we built along the way. Corey listened carefully, gave honest and thoughtful advice, and always made us feel that our best interests came first. His professionalism, patience, and knowledge of the local market made what could have been a stressful experience feel smooth and enjoyable. We are truly grateful for all of Corey's help and would highly recommend Corey Robinson and the entire Journey Real Estate team to anyone looking to buy or sell a home in San Rafael or anywhere in Marin County. Thank you for helping us find a home that we're excited to call our own!

Mike Sharkey

We had a fantastic experience working with Corey. From the beginning, he took the time to really understand our particular needs and what we were trying to accomplish. He was incredibly responsive, knowledgeable, and always available when we needed advice or had a question. What we appreciated most was that Corey never made us feel pressured. He gave us honest guidance, helped us evaluate our options, and let us make decisions at our own pace. When it came time to get the deal across the finish line, he stayed on top of every detail and helped make sure everything came together within the time frame we needed. As first time home buyers we appreciated that Corey made the entire process feel manageable and straightforward. We trusted him throughout the process and would absolutely recommend him to anyone looking for a realtor who is responsive, thoughtful, and genuinely focused on what is best for his clients.

mike36986

We had a fantastic experience working with Corey. From the beginning, he took the time to really understand our particular needs and what we were trying to accomplish. He was incredibly responsive, knowledgeable, and always available when we needed advice or had a question.What we appreciated most was that Corey never made us feel pressured. He gave us honest guidance, helped us evaluate our options, and let us make decisions at our own pace. When it came time to get the deal across the finish line, he stayed on top of every detail and helped make sure everything came together within the time frame we needed.As first time home buyers we appreciated that Corey made the entire process feel manageable and straightforward. We trusted him throughout the process and would absolutely recommend him to anyone looking for a realtor who is responsive, thoughtful, and genuinely focused on what is best for his clients.
Corey Robinson
Corey Robinson

Founder

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

Making home buying simple and stress-free.

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