Enhanced mortgage calculator
Estimate your monthly mortgage payment with detailed amortization schedule. Model extra payments to see how much interest you can save and how quickly you can pay off your loan.
Loan details
Home price
$
Purchase price or estimated value for a refinance.
Down payment
$
Currently 20% of the home price.
Interest rate
Annual, fixed
%
Loan term
Annual property taxes
$
Total yearly taxes for the property.
Annual homeowners insurance
$
Your yearly homeowners insurance premium.
Extra principal payments
Extra monthly payment
$
Additional amount toward principal each month.
Extra yearly payment
$
One-time annual payment (e.g., bonus or tax refund).
One-time payment
$
Single extra payment applied now.
Start extra payments at
Monthly HOA dues
$
Set to 0 if the property has no HOA.
PMI (if LTV > 80%)
Annual rate
%
Rough estimate. Actual PMI depends on credit, LTV, and program.
This calculator is for estimates only and does not constitute a loan
approval or offer. Actual terms depend on full underwriting.
Estimated monthly payment
$0
Enter numbers on the left to see your payment.
Property taxes
$0
Homeowners insurance
$0
HOA dues
$0
PMI (estimated)
$0
Principal & interest
$0
Extra Payment Savings
Quick comparison
If 15-year:
—
With 20% down:
—
Loan amount, LTV, and total interest over the life of the loan will
appear here after you enter your details.
Want a real quote, not just an estimate? Share your scenario and
we'll price it out with current Nebraska rates.
Interactive Payment Visualization
Amortization schedule
Enter loan details above to generate an amortization schedule.