Mortgage Calculator
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years
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Waived — 20%+ down payment
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Total Monthly Payment
Loan Amount
Total Interest
Monthly Payment Breakdown
Principal & Interest
Property Tax
Home Insurance
PMI
HOA
💡 What this means for your budget
Recommended gross income (28% rule)
Interest as % of loan
Reach 20% down to drop PMI
The 28% rule is a common lender guideline — no more than 28% of gross monthly income on housing costs. It's a guideline, not a hard limit.
Amortization Schedule
| Year | Principal | Interest | Balance |
|---|---|---|---|