20 Year Mortgage Calculator With Taxes

Home Loan Information

Loan Term (Years):
Home Value:
PMI (%):
Interest rate (% APR):

Other Home Ownership Expenses

Annual Property Taxes ($):
Homeowners Insurance ($/Yr):
Monthly HOA Fees ($):
Annual Home Repairs ($):

Closing Costs

Discount Points :
Other Closing Costs:
Finance Loan Closing Costs?
Loan Origination Date:
Total monthly payment:
Principal & Interest:
Taxes, Ins., PMI & HOA:
Total Closing Costs:
Loan Amount:
Total Interest Expense:


Mortgage Rates

Want to compare multiple loan terms side-by-side on a single page? If so, check out the loan term comparison calculator.


Making Home Payment.


Key Tips & Advice

Things to consider when buying a home:

  • While the 30-year mortgage is the most popular term in the United States, a 15-year term builds equity much quicker;
  • Home buyers in the US move on average of once every 5 to 7 years;
  • Early mortgage payments apply primarily to interest rather than the principal;
  • Using a shorter loan term, paying extra & making bi-weekly payments can better help offset any transaction-based expenses.

Do Home Prices Always Go Up?

In the United States real estate prices have went up about 6-fold since 1970.