Mortgage Payment Calculator 2025: Real Monthly Cost (Not Just P&I)
Most Calculators Hide $500-$800/Month in Costs
Basic calculators only show Principal & Interest (P&I), which is just 50-70% of your REAL payment. They hide: property taxes, insurance, PMI, HOA fees, and maintenance. This calculator shows the FULL truth.
🧮 Real Mortgage Payment Calculator
Calculate your REAL monthly payment including ALL costs: P&I, taxes, insurance, PMI, HOA, and maintenance. No surprises.
$70,000 down
Current avg: 6.5-7%
National avg: 1.1%
Your REAL Monthly Payment
+ $292/mo maintenance reserve = $2,707/mo total
Monthly Payment Breakdown:
💰 Income Needed to Qualify:
Based on 28% front-end DTI ratio (housing costs ≤ 28% of gross income)
🎯 Ready to Get Pre-Approved?
Now that you know your real monthly payment, get personalized quotes from 50+ lenders. They'll verify your income and give you exact rates.
Compare Lenders Now →"How much will my mortgage payment be?" Most online calculators give you a dangerously low number. They show Principal & Interest (P&I) only—which is just 50-70% of your REAL payment. The hidden $500-$800/month in taxes, insurance, PMI, and HOA fees shocks buyers at closing.
This calculator shows the FULL truth: P&I + property taxes + insurance + PMI + HOA + maintenance reserve. Use it to budget accurately and avoid being house-poor.
📚 What You'll Learn:
🎯 Ready to See What You Qualify For?
You know your real monthly payment. Now get personalized quotes from 50+ lenders and see your exact rates, terms, and approval amounts.
Frequently Asked Questions
🎯 Know Your Real Payment? Get Pre-Approved Now
You've calculated the REAL cost. Now get personalized mortgage quotes from 50+ lenders and see exactly what you qualify for with your income and credit.
✓ Free quotes • ✓ No obligation • ✓ All loan types • ✓ Best rates
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Meet David
Refinance & Rate Specialist
David Rodriguez is a seasoned refinancing expert with over 10 years of experience in mortgage rate analysis and market trend forecasting. As a Certified Rate Lock Specialist, he has saved homeowners millions in interest payments through strategic refinancing timing. His expertise in Federal Reserve policy impact and mortgage-backed securities makes him a go-to expert for rate predictions and refinancing strategies.
EXPERTISE:
KEY ACHIEVEMENT:
Saved clients $50M+ in interest payments