Mortgage Calculator

Estimate a monthly payment, see the full amortization, and test extra payments.

Loan details

Home price

Down payment i

Loan amount i

Interest rate (APR)

Loan term

Taxes, insurance & fees

Auto-fill by county

Pick a location to fill in a typical new-purchase property tax and an estimated insurance premium. You can still fine-tune both below.

Estimated new-purchase rates: CA/FL from local millage & Prop 13; other states from 2026 county data (StateTakeHome.com, CC BY 4.0). Insurance is a state-average estimate. Individual bills vary (e.g. Mello-Roos/CDD).

Property tax

Home insurance (annual)

PMI (monthly) i

HOA (monthly)

Closing costs (optional)

Extra payments & start date

Extra monthly payment i

One-time extra

On payment #

Start month

Start year

Total monthly payment

$0.00/month

Monthly payment breakdown

Balance over time

Amortization schedule

Jump to year:

#	Date	Beginning	Principal	Interest	Extra	Ending	Interest paid

Affordability

Estimate a comfortable home price for your income.

Annual income i

Monthly debts i

Interest rate i

Down payment i

Loan term (years)

Est. taxes + insurance i

Uses the standard 28/36 rule: housing costs stay under 28% of gross income, and total debts under 36%.

This calculator provides estimates for planning purposes only and is not a loan offer, pre-approval, rate lock, or commitment to lend. Actual rates, payments, taxes, insurance, and mortgage insurance will vary based on credit, property, loan program, and market conditions. Property tax and insurance figures are regional estimates and are not quotes. Qoru Capital, LLC is a Colorado Licensed Mortgage Company (Colorado Division of Real Estate); Florida Licensed Mortgage Broker #MBR7604 (Florida Office of Financial Regulation); and holds a Texas SML Mortgage Company License (Texas Department of Savings and Mortgage Lending).

Qoru Capital, LLC, is a Colorado Licensed Mortgage Company, Colorado Division of Real Estate; Florida Licensed Mortgage Broker #MBR7604, Florida Office of Financial Regulation; and Texas SML Mortgage Company License, Texas Department of Savings and Mortgage Lending.

TEXAS CONSUMER COMPLAINT NOTICE

IN TEXAS – CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT-OF-POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.