Estimates only. Principal and interest are calculated with the standard fixed-rate amortization formula; property taxes and homeowners insurance are your annual amounts divided by 12, and HOA dues are the monthly amount you enter. This estimate does not include private mortgage insurance (PMI) or other mortgage insurance, closing costs, or any other fees, and it is not a loan offer, pre-qualification or rate quote. Your actual payment will depend on your lender, loan program and credit profile.