Mortgage Calculator
Run a real mortgage payment, not a rough estimate. Most calculators quote principal and interest and stop there, which is why the number you get from them never matches your actual statement. This one includes the mortgage insurance the others leave out: FHA MIP, the VA funding fee, the USDA guarantee fee and conventional PMI. It is free, carries no ads and asks for nothing.
Built and maintained by Phil Stevenson, CRMP, of PS Mortgage Lending, and hosted at AmortizationNerd.com.
What this calculator includes
- Taxes, homeowners insurance and HOA dues folded into the monthly payment
- Real mortgage insurance by loan type: FHA, VA, USDA and conventional PMI
- A full amortization schedule you can read month by month
- Extra payment what-ifs, so you can see what an additional $100 a month actually saves
- Biweekly payment comparison
- Refinance break-even, and a blended rate tool for a first and second mortgage together
Open the full calculator at AmortizationNerd.com
Want the number checked by a human?
A calculator gives you a payment. It does not tell you which loan you actually qualify for, whether a reverse mortgage would remove that payment entirely, or how a VA loan changes the maths for a veteran. That conversation is free and there is no obligation.
Call (305) 791-4874 and speak to Phil Stevenson, CRMP, one of roughly 200 Certified Reverse Mortgage Professionals in the United States, serving Florida, Georgia and Texas.
