semkuMortgage calculator with taxes
Enter the home price, down payment, annual rate and term, then add taxes, insurance, PMI or HOA dues to see the monthly total.
Loan amount from a monthly payment
Sources
Reference for monthly housing-payment components; the fixed-rate payment, PMI threshold and component rounding follow this calculator’s assumptions.
Calculation rules
Principal and interest use a fixed annual rate divided by 12, monthly compounding and equal monthly payments over the loan term; at zero interest, the loan amount is divided by the number of payments. H is home price, D the down payment in dollars, a the annual interest percentage, t the years; R rounds each amount to cents. P=H−D; r=a/1200; n=12t; PI=R(Pr/(1−(1+r)^(−n))) for r>0, PI=R(P/n) for r=0;
Annual property tax and insurance are divided by 12, then added to monthly HOA dues and the loan payment without escrow adjustments. Percentage property tax uses the home price. Each monthly component is rounded to cents, with ties rounded away from zero, before the components are added to give the monthly total.
PMI is the loan amount multiplied by the annual PMI rate and divided by 12, applied only when the down payment is below 20%. This estimate does not model later PMI cancellation as the balance falls.
Loan amount from a monthly payment works backward from a principal-and-interest payment Q, annual rate and term: P=Q(1−(1+r)^(−n))/r, or P=Q×n at zero interest, rounded once to the nearest cent. Property tax, insurance, PMI and HOA dues are not part of Q.
Frequently asked questions
- What does PITI mean?
- PITI is principal, interest, taxes and insurance; the monthly total here also includes PMI and HOA dues when entered and applicable.
- Can I calculate a payment without taxes or insurance?
- Yes. Leave optional costs blank or enter zero; the breakdown shows what is included.
- How is percentage property tax calculated?
- The annual percentage is applied to the home price and divided by 12; you can enter an annual dollar amount instead.
- When is PMI included?
- This calculator includes the entered PMI rate only when the down payment is below 20%; it does not predict when PMI might later be removed.
- Does the calculator supply local tax or mortgage rates?
- No. Enter the rates and costs you want to compare; the calculator does not provide live mortgage rates or local tax data.
Privacy on this page
Calculations run in your browser. The loan amounts, rates and terms you enter are not sent to the server or saved in browser storage. Reloading the page returns the inputs to their initial state.
To understand how the page is used and to improve the service, this page sends semku’s own usage statistics and automatic error reports. They go only to the dedicated endpoint under semku.com/api/telemetry/v1/. They are not used for advertising or third-party tracking.
The usage statistics include stages of use (such as starting an operation or requesting a copy), the times they occur and fixed identifiers that distinguish the page and feature. They do not include the loan amounts, rates or terms you enter, the results shown or the text you copy. Inputs are not sent as hashes or as size categories either. The full URL and search terms are not sent.
Operations and sessions are distinguished by randomly generated identifiers. In the browser, these identifiers exist only in temporary memory and are not written to cookies or browser storage. No identification based on cookies or combined device characteristics is used.
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To improve the service, we record the country and state/province-level region at the time of your visit (an estimate based on the connecting network), which site you came from including the page path, and one display-language setting announced by your browser (for example, en-US). Location is kept to country and region only; no city or precise position is recorded. When you use the service, connection records, including your IP address, are automatically generated and retained to maintain service security and identify abnormal access. Cloudflare is the data processor for this site. Collection of this item is enabled only after this notice is published; we do not collect it retrospectively for use before collection is enabled. Query strings such as search terms are not recorded, and neither is the full list of preferred languages or the raw request headers. Collection of this information is currently disabled and will only be enabled after this notice is published. If we enable collection, we will collect and use signals your browser reports about its type and version, along with an indication of whether automation tools are being used, to identify bots. These browser signals are estimates and do not conclusively identify your browser's type or version or whether automation tools are being used. We do not collect it retrospectively for use before collection is enabled. The raw User-Agent request header is not recorded. These records are per visit only and use no identifier that links one visit to another. Recording starts only with visits after this notice is published and is not applied retroactively to earlier visits. The region and the referring site have been recorded since 2026-09-20; the display language since 2026-09-24. Browser signals are not recorded yet.
Separately, when you visit the site, the hosting provider records your IP address, the time of the request and user-agent information about your browser and device in Cloudflare Pages’ standard access logs.
For details, see the privacy policy.
Calculations run in your browser without sending the financial values you enter to the server or storing them. See “Privacy on this page” for information about access data.