5XJ
Ranch
Free Online Mortgage & Loan Calculator
Brought to you by 5XJ Ranch — Plan smart, buy with confidence
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🏠 Home
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Loan Details
Purchase
Refinance
Rent vs Buy
Home Price
$
$400k
Down Payment
$
$80k
Interest Rate (%)
%
6.50%
Loan Term
30 Years (Fixed)
20 Years (Fixed)
15 Years (Fixed)
10 Years (Fixed)
7/1 ARM
5/1 ARM
▾
Property Tax ($/yr)
$
Home Insurance ($/yr)
$
HOA ($/mo)
$
PMI Rate (%)
%
🧮 Calculate My Payment
💡 Ranch Tip:
A 20% down payment eliminates PMI and can save you thousands over the life of your loan. Use the sliders above to see how your payment changes!
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Payment Summary
Total Monthly Payment
$—
Principal & Interest · Tax · Insurance · HOA
Principal & Interest
—
Monthly Property Tax
—
Home Insurance
—
PMI (if applicable)
—
HOA Fees
—
Down Payment %
—
Monthly
Breakdown
Principal & Interest
Property Tax
Insurance / PMI
HOA / Other
Loan Amount
—
Total Interest
—
Total Cost
—
📅 Show Amortization Schedule
Year
Principal
Interest
Balance