Mortgage Calculator
Estimate principal, interest, taxes, insurance, PMI, DTI and total loan cost with local amortization formulas.
Hit Calculate to see your breakdown
Calculate to see equity position
Metrics appear after calculation
Your explanation appears here
Actual payments can differ because lender fees, escrow rules, taxes, insurance, PMI and closing terms vary by property and lender.
Your plan appears after calculation
Test a new interest rate and extra monthly principal payment without changing your main result.
Calculate your baseline first
It uses the standard fixed-rate amortization formula for principal and interest, then adds monthly property tax, homeowners insurance, PMI and HOA amounts you enter.
Housing DTI compares the estimated monthly housing payment with gross monthly income. Lower ratios usually leave more room for taxes, savings, repairs and other debts.
No. This tool is for fixed-rate planning and does not include closing costs, lender fees, rate resets, buy-downs or local escrow rules unless you manually model them in the inputs.
Results are estimates generated locally in your browser from standard fixed-rate mortgage formulas. They are for informational planning only, not financial, tax, lending or legal advice. Actual loan terms, APR, taxes, insurance, PMI, escrow and qualification rules vary by lender, property, location and borrower profile. VisionVix accepts no liability for decisions based on this output.
