What's My Total House Payment? Everything Included
Quick answer
Your total house payment = principal + interest + property tax + fire insurance + mortgage insurance (PMI, if under 20% down) + HOA and any other monthly costs. Many online calculators only show principal and interest, which makes the payment look smaller than it really is.
Calculate my total house paymentEverything that goes into a house payment
Principal — the part that pays down your loan and builds equity.
Interest — what the lender charges to borrow the money.
Property tax — usually paid monthly through your lender (escrow).
Fire / property insurance — required by your lender.
Mortgage insurance (PMI) — usually required when you put less than 20% down.
HOA dues and other monthly costs — condos and many newer neighborhoods have them.
Example
For a $500,000 home with 3.5% down at 6.25% for 30 years: principal & interest $2,971, property tax $521, fire insurance $250, and mortgage insurance $221 — a total house payment of about $3,963 per month.
Add HOA dues on top of that if your home has them.
Get your own number in seconds
Enter your purchase price, down payment and rate in the EZ House Payment calculator. Add HOA under Other Monthly Expenses and you'll see your total house payment with everything included.
Common questions
Is property tax included in my house payment?
Usually yes. Most lenders collect property tax and insurance monthly in an escrow account and pay the bills for you.
Is HOA included in my mortgage payment?
No — HOA dues are normally paid directly to the HOA, but they are still part of what your house costs you each month.
Examples are estimates for education only, not financial, tax or legal advice. Your lender's numbers may differ.