NWS Calc

Mortgage Calculator

Home loan payments including taxes, insurance and down payment.

%
yrs
Monthly payment
$1,981.48

$1,589.81 principal & interest + $391.67 tax & insurance

Loan amount
$280,000.00
Deposit
20%
Total interest
$292,331.31
Total repaid
$572,331.31
Show the working
  1. 1Loan = $350,000.00 − $70,000.00 = $280,000.00
  2. 2Principal & interest over 360 months = $1,589.81/month
  3. 3Tax + insurance = $4,700.00/year = $391.67/month
Formula
payment = P × r(1+r)ⁿ ÷ ((1+r)ⁿ − 1) + escrow

How it works

Estimates the full monthly cost of a mortgage: the loan repayment plus the property tax and insurance usually collected alongside it.

Example

A $350,000 home with $70,000 down at 5.5% over 30 years costs about $1,981/month all in.

Excludes HOA fees, mortgage insurance (PMI) and closing costs. Lender terms vary.

More in Finance & Loans

About the Mortgage Calculator

Home loan payments including taxes, insurance and down payment. It sits in the Finance & Loans section of NWS Calc, a free collection of calculators that run entirely in your browser. There is no signup, no paywall and no tracking — open the page, enter your numbers, get an answer.

Frequently asked questions

Is the Mortgage Calculator free to use?
Yes. Every calculator on NWS Calc is completely free, with no signup, no usage limits and no ads.
Does my data leave my device?
No. The Mortgage Calculator runs entirely in your browser using JavaScript. Nothing you type is uploaded, logged or stored on a server.
Can I use the Mortgage Calculator on my phone?
Yes. The page is fully responsive and works in any modern mobile or desktop browser — there is nothing to install.
What else is in Finance & Loans?
Loans, mortgages, interest, savings and investment returns. You can browse the full Finance & Loans category for related calculators.

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