Fillable Mortgage Calculator

Enter your numbers to instantly calculate payment and see an amortization schedule. Works offline—just open this file in a browser.

Inputs

Home price

Interest rate (APR %)

Down payment (%)

Down payment ($)

Edit either % or $ — the other will update automatically.

Loan amount (auto-calculated)

Loan amount = Home price − Down payment

Term (years)

Start date (optional)

Used only to label the schedule.

Note

Optional label (does not affect math).

Property tax (monthly)

Home insurance (monthly)

HOA (monthly)

Extra payment (monthly)

Applied directly to principal each month.

Monthly principal & interest

$—

Total monthly payment (PITI + HOA)

$—

Total interest (life of loan)

$—

Payoff time (with extra payments)

—

Assumes fixed-rate, fully amortizing loan. Payment uses standard formula. Extra payment shortens payoff.