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Purchase a VPN Today! The principal of a loan is the remaining balance of the money you borrowed. Principal does not include interest, which is the cost of the loan. The down payment is the money you pay upfront to purchase a home.

The down payment plus the loan amount should add up to the cost of the home. Interest rate is the base fee for borrowing money, while the annual percentage rate APR is the interest rate plus the lender fees. APR gives you an accurate idea of the cost of a financing offer, highlighting the relationship between rate and fees.

Depending on loan type, these costs may roll into the mortgage payment or be paid at closing. Agent commission is traditionally paid by the seller. The cost of private mortgage insurance varies based on factors such as credit score, down payment and loan type. Questions about the PMI in the mortgage calculator? Find out why PMI may be required for your loan and see how you can avoid paying it. Wondering what down payment amount to enter into the mortgage payment calculator? Considering an FHA loan for your new home?

This browser is no longer supported. Please switch to a supported browser or download one of our Mobile Apps. See Mobile Apps. Loan program 30 year fixed 15 year fixed 5-year ARM. Interest rate See current rates. Property tax annual amount Help More info on Property tax. Home insurance Help More info on Home insurance. Breakdown Schedule. Full report Share Chevron Down. Share Chevron Down. Get a more accurate estimate Get pre-qualified by a lender to see an even more accurate estimate of your monthly mortgage payment.

ZIP Code. Explore more mortgage calculators Tag. Dollar Sign. Award Ribbon. How to calculate mortgage payments Zillow's mortgage calculator gives you the opportunity to customize your mortgage details while making assumptions for fields you may not know quite yet. Home price The price is either the amount you paid for a home or the amount you may pay for a future home purchase. Loan program Your loan program can affect your interest rate and total monthly payments.

Interest rate Mortgage interest is the cost you pay your lender each year to borrow their money, expressed as a percentage rate. Property taxes Your estimated annual property tax is based on the home purchase price. Login Register. Purchase a VPN Today!