Mortgage Calculator with Taxes and Insurance – Why It Matters

2025-01-25 • Calcely

Many calculators only show principal & interest. Real monthly housing cost includes property taxes, homeowners insurance, PMI (if applicable), and HOA fees.

Real example

Loan payment: $1,500 — Property tax: $250 — Insurance: $75 — PMI: $120
Total = $1,945

Our calculator lets you add these extras so you can budget accurately. Try it now.