Central Oregon · Buyer tools
Adjust home price, down payment, interest rate, and loan term to plan your purchase and estimate your monthly payment.
EstimateYour monthly
Your monthly
payment
Mortgage calculator
Down payment: $100,000 · Loan amount: $400,000
$3,174/month
Principal & interest: $2,528Tax: $500Insurance: $146
GuideHow to use
How to use
this calculator
Enter the home price and down payment percentage to set the loan amount. Adjust the interest rate and loan term to match the scenario you want to model. The property tax and home insurance fields default to Central Oregon estimates and are editable assumptions. PMI applies automatically when the down payment is below 20 percent and is calculated at 0.5 percent of the loan amount per year.
The monthly total is an estimate, not a lender quote. Your actual payment will reflect the rate your lender offers, the exact tax assessment on the property, your insurance policy premium, and any HOA dues not included here.
Once you land on a monthly payment that works, browse homes in that range. If you are selling your current home to fund the purchase, get a value estimate on that property too.