Free mortgage calculator · No sign-up required

Your mortgage,
made simple

Get a clear picture of what you can afford — personalized to your situation, in seconds.

Loan details

$450,000
20% ($90,000)
6.75%

Loan term

$300/mo
$120/mo

Estimated monthly payment

$2,755

Including taxes, insurance

Breakdown

Principal & interest$2,335
Property taxes$300
Home insurance$120
Total monthly$2,755

Loan amount

$360,000

Down payment

$90,000

Total interest

$480,583

Total cost

$930,583

Year-by-year breakdown

30 year loan · hover for detail
30 year loan · hover for detail
1
5
10
15
20
25
30
Principal
Interest

Payoff in

30 years

Total payments

$840,583

Interest share

57%

How it works

Three steps to clarity

1

Tell us about your home

Enter your home price, down payment, and loan details. Adjust sliders to explore different scenarios instantly.

2

See your full picture

Get a complete payment breakdown including taxes, insurance, and PMI — plus a year-by-year amortization view.

3

Find your best rate

Get matched with lenders competing for your business. No impact to your credit score to get started.

Why Mortgage Guide

Built for homebuyers, not lenders

Always free

No paywalls, no hidden fees. Mortgage Guide is and always will be free to use.

No ads cluttering your view

We keep things clean so you can focus on finding the right mortgage for you.

Personalized to you

Your inputs, your numbers. See exactly what your payment looks like based on your real situation.

Accurate & up to date

Built on current rates and real mortgage math — not outdated estimates.

Ready to find your rate?

Get pre-qualified in minutes. Lenders compete for your business — no impact to your credit score.

Get my free rate quote →

We'll match you with lenders competing for your business.