Mortgage Calculator

www.bethgerber.com · Beth Gerber, ERA Real Estate · Rates as of 07/18/2026

Mortgage Calculator

Our mortgage calculator helps you quickly estimate your monthly home loan payments based on loan amount, interest rate, and term. Easily adjust inputs like down payment, loan term, and interest rate to see how they impact your monthly payment.

Live Ohio rates from U.S. Bank · 07/18/2026

Serving home buyers and sellers in Ohio and surrounding areas.

Mortgage Payment Affordability Closing Costs Net to Seller Multifamily Construction

Pros & Cons Checklist To-Do My Tools New

Loan Details

Home Price

Down Payment

⚠

Loan Type (affects rate & PMI)

Loan Term

Interest Rate

Custom rate

Property Tax Rate (annual % of home value)

Ohio average: ~1.2%. Ross County: ~1.0%

Home Insurance (annual)

$ /yr

HOA Fees (monthly)

$ /mo

Other Monthly Costs

Loan Start Date (optional)

Already have this mortgage? Enter when it started and we'll track your progress each time you return.

Your Progress

Balance Left

Principal Paid

Interest Paid

Equity

Monthly Payment Breakdown

Principal & Interest

Property Tax

Home Insurance

HOA

Total Monthly

Loan Amount

Total Interest

Total Cost

Annual Cost

Extra Monthly Payment

$ /mo

Applied to principal each month

One-Time Lump Sum

Apply in Year

Savings Comparison

Original Loan

Payoff

Total Interest

Total Cost

With Extra Payments

Payoff

Total Interest

Total Cost

You save in interest and pay off years sooner!

If You Recast / Refinance After Lump Sum

New balance: — compare loan terms at your current rate:

Term	Monthly P&I	Total Monthly	Monthly Savings	Total Interest	Total Cost
(remaining)

Loan Progress Time Machine

Jump to year:

Year 1

Remaining Balance

Total Paid

Interest Paid

Home Equity

Amortization Schedule

Year	Principal	Interest	Extra	Balance

#	Payment	Principal	Interest	Extra	Balance

Saving... Saved

Understanding Your Mortgage Payment

Whether you're buying your first home or refinancing, this tool gives you a clear picture of what to expect. You can also factor in property taxes and insurance to get a more accurate estimate.

Understanding your mortgage payment is one of the most important steps in the home buying process. Use this calculator to plan ahead and make informed financial decisions.

This calculator provides estimates for informational purposes only and does not constitute financial advice. Actual costs, rates, and terms may vary. Please consult with a qualified mortgage lender or financial advisor for personalized guidance.