Mortgage Calculator — 30-Year Fixed

The 30-year fixed is the most common U.S. mortgage: a level payment spread over 360 months that keeps the monthly cost low but pays the most total interest. This page pre-fills a 30-year term so you can see how rate and down payment move the principal-and-interest portion of a long-amortization loan.

Monthly mortgage payment estimate

Home priceDown payment (%)Interest rate (% APR)Loan term (years)Property tax (per year)Home insurance (per year)PMI (% of loan / year)HOA dues (per month)

Estimated payment, per month

$2,875.44

Loan amount: $360,000
Down payment: 20%
Total interest: $459,160

Monthly payment breakdown

Principal & interest$2,275.44

Property tax$450.00

Home insurance$150.00

Estimate using fixed-rate amortization plus the taxes, insurance, PMI, and HOA you enter. PMI is included only when the down payment is under 20% and is not auto-cancelled here. Not a rate lock, pre-approval, or financial advice.