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Mortgage Payment
Estimate your monthly payment, see how much you can afford, and explore a full amortization schedule.
🏠 Mortgage Calculator
💰 Affordability
📅 Amortization Schedule
← All Calculators
🏠 Loan Details
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Loan Amount
$320,000
🛡️ Mortgage Insurance (PMI / MIP)
Not all loans have PMI — and the rules are different for each loan type.
Conventional loans drop PMI at 80% LTV. VA loans have no PMI. FHA loans have MIP for the life of the loan (or 11 years if 10%+ down). Select your loan type below to get accurate numbers.
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Conventional loan selected. PMI applies until your loan balance reaches 80% of the original home value. At 20%+ down, no PMI is required. Rate shown is an estimate — your actual PMI depends on credit score and lender.
⚡ Quick Scenarios
First-Time Buyer
$300K · 5% down
Move-Up Buyer
$500K · 20% down
VA Purchase
$350K · 0% down
Luxury Home
$750K · 30% down
⚙️ Advanced Options
Show ▾
Monthly Payment
$2,539
Principal & Interest
$2,023
Property Tax
$417
Home Insurance
$100
PMI
$0
📊 Payment Breakdown
80%
P&I
Principal & Interest
$2,023
Property Tax
$417
Insurance
$100
PMI
$0
📈 Loan Summary
Loan Amount$320,000
Total Interest Paid$408,142
Total Amount Paid$728,142
Payoff DateMar 2055
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Maximum Purchase Price
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Max Loan Amount
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Max Monthly PITI
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Front-End DTI
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Back-End DTI
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Get your real numbers
These are estimates — a Quazel loan officer can give you an actual pre-approval with today's rates.
📅 Book a Free Call →📅 Amortization Schedule
Using inputs from Mortgage Calculator tab ·
Yearly
Monthly
| Period | Payment | Principal | Interest | Balance | % Principal |
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Estimates only. Does not include closing costs, title insurance, or other fees. PMI/MIP amounts are illustrative — your actual rate depends on credit score, lender, and loan type.
Quazel Mortgage · NMLS #2133626 · Licensed in UT, ID, FL & CO · Privacy Policy · Opt Out
Quazel Mortgage · NMLS #2133626 · Licensed in UT, ID, FL & CO · Privacy Policy · Opt Out