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    Calculate

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    Estimated monthly payment

    Monthly payment / monthly income

    Total Payments Summary

    Estimated monthly payment
    Loan Amount
    Cumulative Interest
    Total tax & insurance payments
    Total of all payments

    Monthly Payment Breakdown

    Taxes & Insurances Principal Interest
    * Average Monthly Payment

    Payment Over the Years

    Payment Balance Principal Payment Tax & Insurance  Interest Payment

    Payment Schedule

    Month # Starting Balance Monthly Payment Principal Interest Ending Balance

    Mortgage Calculator Glossary

    The www.ztid.net mortgage calculator is designed to help calculate your monthly mortgage payment. Estimate your monthly fee by adjusting different variables such as the loan amount, the annual interest due, the duration of the loan and more. This tool will allow you to calculate an appropriate budget for the purchase of your new home.

    Down Payment

    The down payment is the initial portion of the total amount due, to be paid upfront in cash.

    Principal Payment

    A principal payment is a payment toward the amount of principal owed, in contrast with interest payments, which are usually processed first.

    Annual Interest Rate

    The annual interest rate determines how much interest needs to be paid on the mortgage. Generally, a bank or lender will offer two types of rate - a fixed rate and an adjustable rate (ARM).

    Number of years

    The duration of the mortgage; the length of time needed to entirely repay the loaned amount to the lender.

    Property Tax

    The property tax is a tax levied by the local government on homeowners. The expected payable amount is incorporated in the monthly payment for the duration of the mortgage.

    Property Insurance

    Property insurance protects the homeowner against various perils, such as fires, storms and more. This insurance is often required by lenders, and is added to your monthly payment.

    Mortgage Insurance

    Mortgage insurance partially protects and compensates lenders in case of an eventual default on the loan.

    Total of all payments

    The total monthly payment expected, including interest, principal payments, insurances, and more.

    Monthly net income

    Your monthly net income is the monthly amount you are paid after taxes and various payroll deductions.

    Balance

    A mortgage balance is the total amount owed at a given period of time during the duration of the mortgage loan; it is the sum of the remaining principal to repay.

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