The share of your payment going to principal generally increases each month.
Home·ology Interactive Mortgage Calculator
See the full picture behind your monthly payment.
Instant estimateCalifornia friendly numbersNo signup required
Your numbers
Build your mortgage estimate
Follow the monthly math
See principal grow as your balance falls
Remaining balancePrincipal paidInterest paid
Interest is calculated from the remaining loan balance, so it generally decreases over time.
This is estimated loan principal paid—not a forecast of appreciation or total home equity.
Year-by-year schedule
How each payment changes your loan
Includes optional extra principal. Taxes, insurance, PMI, and HOA dues are not applied to the loan balance.
| Year | Principal paid | Interest paid | Ending balance |
|---|
Making sure you are comfortable is the starting point
Want to chat with one of our highly experienced real estate professionals?
A Homeology agent can help you compare homes, find out the mello-roos taxes along with anything else that could affect your monthly payment, and run payment comparisons so that you stay within your budget and get the home that you love!
CONNECT WITH US ON SOCIAL MEDIA
@homeology_real_estate