Enter your home price, down payment, loan term, and interest rate into the calculator to determine your monthly mortgage payment.

Mortgage Calculation Formula

The following formula is used to calculate the monthly mortgage payment.

Monthly Payment = [P * r * (1 + r)^n] / [(1 + r)^n - 1]

Variables:

  • P is the loan amount ($)
  • r is the monthly interest rate (decimal)
  • n is the number of monthly payments

To calculate the monthly mortgage payment, multiply the loan amount by the monthly interest rate, then multiply the result by one plus the monthly interest rate raised to the power of the number of payments. Divide this by one