Payment estimate

Northern Virginia Mortgage Calculator

Use this calculator to pressure-test monthly payment, ownership reserve, and payoff scenarios before you tour homes or write an offer.

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Inputs

Build a payment scenario

Adjust price, financing, taxes, insurance, HOA dues, and PMI to estimate a monthly carrying cost.

Home price$Down payment$20.0% downInterest rate%Loan termyrsProperty tax rate%Annual insurance$Monthly HOA or condo dues$PMI rate%Used only below 20% downMaintenance reserve%Annual percent of home priceExtra principal$Optional monthly prepayment

Editable sample ratePMI turns off at 20% downExtra principal shows payoff impactTaxes vary by locality