Virginia mortgage payment calculator

Estimate a complete Virginia mortgage payment.

Estimate principal, interest, property taxes, homeowners insurance, HOA dues, and mortgage insurance before comparing real Virginia loan options.

Plan calculator

Monthly payment

P&I, taxes, insurance, HOA, mortgage insurance, and an amortization view.

Home price

Down payment

Example interest rate

Enter a rate to compare; this is not a quote.Loan term

years

Property tax rate

% / yr

Homeowners insurance

$/ yr

HOA dues

$/ mo

Mortgage insurance rate

% / yr

Use 0 for no monthly mortgage insurance.

Your estimate

Estimated total payment$3,308Per month

Principal & interest$2,560

Property taxes$413

Homeowners insurance$150

HOA$0

Mortgage insurance$186

See annual amortization

YearBalanceInterest paid

1$400,473$26,192

2$395,643$52,080

3$390,490$77,645

4$384,991$102,865

5$379,124$127,717

6$372,865$152,176

7$366,186$176,215

8$359,060$199,808

9$351,456$222,923

10$343,343$245,528

30$0$516,555

Want a human to check the assumptions and show the real loan options?

Review this scenario

What belongs in a complete mortgage payment?

A useful estimate includes principal and interest plus property taxes, homeowners insurance, association dues, and any mortgage insurance. Flood insurance may also be required for some Hampton Roads properties.

Why will a lender's payment differ?

The final payment uses a real interest rate, verified taxes, insurance quotes, program-specific mortgage insurance, and the approved loan amount. This calculator uses only the assumptions you enter.

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