Browser calculator

Mortgage payments, with the costs in view.

The payment is not just principal and interest. Keep the other monthly costs—and the money needed to close—beside it.

Estimate mortgage payment, cash to close, taxes, insurance, HOA, and optional PMI with Kora’s browser calculator and iPhone/iPad real-estate app.

Free browser calculator

Estimate a monthly mortgage payment.

The prefilled values are an editable example, not a current market quote. Calculations stay in this browser and are not sent or saved.

Essential assumptions

Purchase price Down payment basis Down payment value Annual interest rate Loan term

Advanced taxes, insurance, HOA, PMI, and costs

Property tax basis Property tax value Enter dollars or a percentage using the selected basis.

Homeowners insurance per year HOA per month

Closing costs basis Closing costs value Enter dollars or a percentage using the selected basis.

Lender costs basis Lender costs value Enter dollars or a percentage using the selected basis.

Discount points Include an estimated PMI cost Estimated annual PMI rate

How the estimate works

Mortgage: the useful part, explained.

M = P × r × (1 + r)ⁿ ÷ ((1 + r)ⁿ − 1)

P is the loan principal, r is the monthly interest rate, and n is the number of payments. At zero interest, principal and interest is P ÷ n. Add taxes, insurance, HOA, and applicable PMI for a broader monthly estimate.

A worked example.

Illustration: a $300,000 purchase with 20% down gives a $240,000 loan. At 6% over 30 years, principal and interest is about $1,438.92 a month. Add $300 in taxes, $125 in insurance, and $50 HOA for about $1,913.92 before any other applicable costs.

Illustrative planning example only. Not a quote, appraisal, commitment, or prediction.

Keep the assumptions in view.

A sample rate is not a current market quote.
A loan payment is not a complete cash-to-close estimate.
PMI, escrow, lender fees, and transaction details can change the result.

Take the calculation into the property work.

Keep the assumptions clear, add your branding, and give the next conversation something useful to start from.

Pricing & access

Available now on iPhone, iPad, and native Mac. Free download; advanced workflows require Kora Intelligence.

A few useful answers

Before the next step.

What does the Mortgage page provide?

An interactive browser estimate using the existing Kora calculator, plus assumptions, a worked example, and a link to the native app.

Are these current rates or transaction terms?

No. Worked examples and prefilled values are illustrative assumptions. Use terms appropriate to your scenario and verify the result with the relevant professional.

Can I keep a branded summary in Kora?

Kora supports branded calculator summaries. Advanced Property Room reports are part of the separate room workflow; check the availability notice and current App Store release.