Mortgage Calculator

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.

Payment

Schedule

Your mortgage payments over 30 years will add up to $0.

Get more info from a local expert!

Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

Client Success Stories

Jen Lee

Lex was our real estate agent on our first home purchase ever and I honestly cannot think of anyone else we could’ve worked with that would’ve walked us through the process better. Lex is SO communicative and responsive, and he really brings the human connection to the entire transaction. We really felt like he was a friend looking out for the best deals for us rather than a salesman trying to collect on his commission. We told him what we were looking for and our budget, and he listened and delivered. Within 2 days of reaching out, he took us to our first round of showings, submitted an offer that weekend and got us closed in less than 30 days, BELOW the asking price. He connected us with the best team of lenders and the entire process went so smoothly, I honestly can’t believe I was so apprehensive about the entire process just a month ago. Lex is no doubt the best realtor you’re gonna find on the island, so stop shopping around and just call him!

Darcy Kerrigan

Lex was wonderful to work with, enthusiastic, and a get it done realtor. I’m sure we’ll work together again

Jamie Cook

My partner and I had been searching for the right property for over two years and had a tough checklist of 'must-haves' for our future home. We worked with Lex to find our dream house, and could not have asked for a better agent. Behind closed doors we called him the 'golden retriever' of real estate--eager to please and always thrilled to help out :). From start to finish, he was incredibly dedicated, patient, and always had our best interests in mind. No matter how competitive the market or how many twists our search took, Lex stayed proactive — always following up, tracking deadlines, and making sure every piece of paperwork and escrow process was handled flawlessly. Throughout the process, Lex treated us like family, ensuring that we chose the right home for us even if it elongated our timeline and put additional burden on his schedule. It’s rare to find someone so committed, knowledgeable, and trustworthy in real estate. We’re deeply grateful for all the time and energy Lex invested in helping us find the right home — and we’d recommend him without hesitation to anyone looking to buy or sell.

Let's get you to your Hawaiian dream home!

Lex Ferguson

Real Estate Professional | License ID: RS-78101

+1(808) 277-4715 | lex@lifeonoahu.com