Payment Calculator

Estimate Your Monthly Payment

Adjust the numbers below to see principal, interest, taxes, insurance, and mortgage insurance in real time. Interest rate is seeded from today's live rate feed and can be edited.

Loan Details

Conventional

Jumbo

FHA

USDA

Home Price

Loan Term

Down Payment (%)

Down Payment ($)

Loan Amount (edit directly if you like)

Interest Rate (auto-filled)

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Taxes, Insurance & HOA

Property Tax ($/yr)

Home Insurance ($/yr)

HOA Dues ($/mo)

PMI / MI Override ($/mo, optional)

Tom Murphy — Answer Home Lending

Senior Mortgage Loan Officer · NMLS 662141 · Licensed in California

(858) 342-1377 · tom@tommurphymortgage.com · Payment Estimate, generated

Your Estimated Payment

Loan-to-value: —

Total Monthly Payment (PITI)

Principal & Interest$0

Property Tax$0

Home Insurance$0

HOA Dues$0

Mortgage Insurance$0

Loan Amount$0

Conventional PMI is estimated automatically when your down payment is under 20% and removed at 20% or more.

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This calculator provides an estimate only and is not a loan offer, quote, rate lock, or commitment to lend. FHA MIP, VA funding fee, and USDA guarantee fee are estimated using standard published factors and financed into the loan amount shown; actual figures depend on your specific scenario. Conventional PMI is a rough estimate based on typical market pricing and varies by credit score and LTV. Property tax and insurance default to rough California-area estimates and should be adjusted to your actual property. Answer Home Lending — Tom Murphy, NMLS 662141. Licensed in California. Equal Housing Lender. All loans subject to credit approval, satisfactory appraisal, and clear title.