Tools
Mortgage payment calculator with taxes and insurance.
The same tool our agents use on live calls. Adjust the home price, rate, term, property taxes, homeowners insurance, HOA dues and PMI to see a full monthly breakdown.
- · Annual property taxes, entered as your county assesses them
- · Homeowners insurance straight from your agent's quote
- · PMI automatically applied under 20% down
Payment calculator
30-yr fixedEstimate only. Loan amount $388,000. PMI applies below 20% equity and drops off as you build equity. We'll confirm your exact figures on pre-approval.
Want to know what YOU qualify for?
A calculator is a great start. The next step is a quick, no-pressure conversation with a local Rise Lending advisor.
More tools
Everything on the shelf.
Mortgage payment calculator
Model principal, interest, taxes, insurance, HOA, and PMI in real time.
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Work backwards from the monthly payment you’re comfortable with.
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See how a new rate or term changes your payment and break-even timeline.
Buy vs. rent calculator
Compare the monthly and long-term costs of buying versus renting.
Talk to a local
Book a call with a Rise Lending advisor and get answers for your situation.
Questions we get every week.
How do property taxes change my mortgage payment?+
Property taxes are collected monthly into an escrow account. Divide the annual tax bill by twelve and add it to your principal and interest. In Utah, an annual bill of $4,600 adds roughly $383 per month.
How much homeowners insurance should I budget?+
Most single-family homes in our service area run $1,200 to $2,500 per year, which adds $100 to $208 per month to your payment. Our calculator lets you enter the exact quote from your insurance agent.
When does PMI drop off?+
Private mortgage insurance applies when your down payment is under 20 percent. It generally falls off once you reach 20 percent equity, either by paying down the balance or through appreciation.
Does this calculator show my exact payment?+
It is a close estimate. Your final payment depends on your loan program, credit profile, exact tax assessment and insurance premium. We confirm every number during pre-approval.