Mortgage Calculator

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.
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Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

Hear From Our Clients

Ramin Mazaheri (Ramin Mazaheri Homes)

I met Samuel Ham at Phil Gerdes’ Real Estate Event in Maryland. I’m from Alabama and Samuel is from Connecticut. We made an immediate connection and I could tell he’s an authentic, genuine person who values relationships. I’m glad to have crossed paths and looking forward to another genuine friendship that a journey called life has brought to me. If you’re in Connecticut and surround areas, I am confident Samuel Ham will nurture and care for you like no other. .

Ramin Mazaheri

I met Samuel Ham at a conference in Maryland that we both went to so that we can grow in so many ways that was hosted by Phil Gerdes. Sam serves people In Connecticut in real estate. Upon meeting Samuel, I could immediately tell he is authentic, genuine person who values relationships. I’m glad to have crossed paths with Samuel and look forward to a new friendship through this journey we call life.

Muhammad Sman

Stefen Ash

I can’t enough good things about Sam. I recently had an opportunity to refer a client to Sam and I was very impressed. My standard for other agents is high, so it takes a lot to WOW me. So, I can honestly say that Sam truly WOWED me. Glad I finally found my go to for Connecticut.
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Samuel Ham

Broker Associate | License ID: REB.0791351

+1(203) 515-8852 | samueljham@gmail.com

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Name
Phone*
Message
I agree by electronic signature to the Electronic Disclosure Consent; to receive recurring marketing communication from or on behalf of Samuel J Ham, including auto-dialed calls, texts, and artificial/prerecorded voice messages (consent not required to make a purchase; data rates may apply; reply “STOP” to opt-out of texts or ‘HELP” for help); and to the Terms of Service and Privacy Policy of this website. I understand that I can call to obtain direct assistance.