Know your payment before you commit.
Calculate your monthly mortgage payment, total interest cost, and full amortization breakdown — so you can negotiate from a position of clarity.
Why do real estate investors use a Mortgage Calculator?
Because the sticker price of a property is not what you actually pay — the financing terms determine your true cost of ownership.
By modeling your monthly payment, total interest, and amortization schedule upfront, you can compare loan structures, evaluate the true impact of your down payment, stress-test different interest rates, and enter every negotiation with full command of your numbers.
Mortgage payment
Enter property and loan details to calculate your monthly payment and full cost of borrowing.
Mortgage payment
Enter your property value, down payment, rate, and term to see a full payment breakdown.
*
The total acquisition cost or current market value of the property.
*
Initial equity capital at closing.
auto
Enter % to auto-fill dollar amount.
*
*
optional
optional
optional
Private Mortgage Insurance — usually required if LTV > 80%.
optional
Payment Analysis
Monthly payment, total cost, and amortization breakdown.
Awaiting your figures
Enter property and loan details, then hit Calculate.
Mortgage Payment Calculator
Why do real estate investors use a Mortgage Calculator?
Because the sticker price of a property is not what you actually pay — the financing terms determine your true cost of ownership.
By modeling your monthly payment, total interest, and amortization schedule upfront, you can compare loan structures, evaluate the true impact of your down payment, stress-test different interest rates, and enter every negotiation with full command of your numbers.
Monthly Mortgage Payment (P&I)
Where: P = Loan Amount · r = Monthly Rate (Annual Rate ÷ 12) · n = Total Payments (Term × 12)
Commercial property: $2,500,000 purchase price, $500,000 down payment, 6.5% rate, 30-year term.
Loan Amount
Purchase Price ($2,500,000) minus Down Payment ($500,000) = $2,000,000 principal.
Monthly Interest Rate
Annual Rate (6.5%) ÷ 12 = 0.541667% per month (r = 0.005417)
Total Payments
30 years × 12 months = 360 monthly payments (n = 360)
Apply the Formula
M = $2,000,000 × [0.005417 × (1.005417)³⁶⁰] ÷ [(1.005417)³⁶⁰ − 1]
- Monthly P&I Payment$12,648
- Total Payments Over Life$4,553,280
- Total Interest Paid$2,553,280
- Interest as % of Total Cost56.1%
- LTV Ratio80%
Over 30 years, you pay $4,553,280 in total — meaning $2,553,280 in interest alone. This is exactly why smart investors stress-test financing terms before signing, refinance strategically, and always model the true cost of borrowing before committing to a deal.