Mortgage Analysis

Estimate your required mortgage payment, optional extra principal, ownership outflow, PMI, escrow costs, payoff timeline, and affordability ratios.

Core Parameters

Home price

Down payment

20.0%

Effective down payment ₹15,00,000. Amount and percent stay synced through the selected mode.

Interest rate

0%30% slider · custom input supported

Loan tenure

Monthly household income

Other monthly debts

Car loan, credit cards, EMIs, etc.

Loan start month

Property Taxes (Annual)

Home Insurance (Annual)

HOA / Society Fees (Monthly)

PMI rate (annual %)

Estimated on the original loan amount while modeled LTV remains above 80%; lender rules can differ.

Extra principal payment

Escrow escalation

Model tax and insurance growth over time.

Tax growth % / year

Insurance growth % / year

Taxes, insurance, HOA, PMI, and optional extra principal are modeled separately so the payment estimate stays transparent.