Mortgage Calculator Most lenders use about 28% of your monthly income to qualify for a mortgage. Input the loan amount, Interest rate, approximate taxes and insurance to calculate your payment. Loan Amount ($) Down Payment (%) APR (%) Term (Years) Property Tax (%) Annual Home Insurance ($) Annual HOA ($) PMI (%) Calculate Principal & Interest Expense: Taxes: Insurance: HOA Expense: PMI Expense: Monthly Payment: Powered by Mortgage Calculator