🏠 Mortgage Calculator Loan payment + all-in monthly estimate (tax, insurance, HOA, PMI)

House & Loan

House price ($)

Down payment (%)

Rate (% APR)

Term

Closing costs

Monthly Extras

Property tax (%/yr)

Insurance ($/mo)

HOA ($/mo)

PMI (%/yr of loan)

Loan monthly (P&I)

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principal + interest only

Est. monthly — everything

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principal, interest, tax, ins, HOA, PMI

Breakdown

Cash Buffer Guidance

"Bare minimum" is just cash to close — zero buffer after closing. "Less scary" adds ~3 months of the all-in payment. "Comfortable" adds ~6 months plus a rough $20k for moving, repairs, and furnishing. None of this covers appraisal gaps, lender reserve requirements, or supplemental tax bills.

Scenario Comparison (5% / 10% / 20% down × 15 / 30 yr)