Wave 1 Tool

Mortgage Calculator

Mortgage estimate for a $500,000.00 property over 30 years with escrow and early-payoff analysis.

Updated: 4/7/2026, 5:22:21 AM

Loan amount

$400,000.00

Monthly P&I

$2,528.27

Escrow + HOA / mo

$850.00

Full housing cost / mo

$3,378.27

Payoff term

30y 0m

Interest saved

$0.00

Tool Controls

Configure advanced parameters and run full calculations.

Unsaved changes

Quick scenarios

Open ready-made scenarios with one click.

Home price

Down payment %

Interest rate %

Term (years)

Property tax %

Insurance/year

HOA/month

Extra payment/month

Snapshot

Down payment (20.00%): $100,000.00
LTV ratio: 80.00%
Property tax monthly (1.20%): $500.00
Insurance monthly: $100.00
Baseline payoff: 30y 0m
Time saved: 0 months
Baseline interest: $510,177.95
Interest with extra payments: $510,177.95

Amortization schedule

Month	Payment	Principal	Interest	Balance
1	2,528.27	361.61	2,166.67	399,638.39
2	2,528.27	363.56	2,164.71	399,274.83
3	2,528.27	365.53	2,162.74	398,909.30
4	2,528.27	367.51	2,160.76	398,541.78
5	2,528.27	369.50	2,158.77	398,172.28
6	2,528.27	371.51	2,156.77	397,800.77
7	2,528.27	373.52	2,154.75	397,427.26
8	2,528.27	375.54	2,152.73	397,051.71
9	2,528.27	377.58	2,150.70	396,674.14
10	2,528.27	379.62	2,148.65	396,294.52
11	2,528.27	381.68	2,146.60	395,912.84
12	2,528.27	383.74	2,144.53	395,529.10
13	2,528.27	385.82	2,142.45	395,143.28
14	2,528.27	387.91	2,140.36	394,755.36
15	2,528.27	390.01	2,138.26	394,365.35
16	2,528.27	392.13	2,136.15	393,973.22
17	2,528.27	394.25	2,134.02	393,578.97
18	2,528.27	396.39	2,131.89	393,182.59
19	2,528.27	398.53	2,129.74	392,784.05
20	2,528.27	400.69	2,127.58	392,383.36
21	2,528.27	402.86	2,125.41	391,980.50
22	2,528.27	405.04	2,123.23	391,575.45
23	2,528.27	407.24	2,121.03	391,168.22
24	2,528.27	409.44	2,118.83	390,758.77
Showing first and last rows. Hidden rows: 312.
337	2,528.27	2,220.84	307.43	54,535.27
338	2,528.27	2,232.87	295.40	52,302.40
339	2,528.27	2,244.97	283.30	50,057.43
340	2,528.27	2,257.13	271.14	47,800.30
341	2,528.27	2,269.35	258.92	45,530.95
342	2,528.27	2,281.65	246.63	43,249.30
343	2,528.27	2,294.01	234.27	40,955.30
344	2,528.27	2,306.43	221.84	38,648.87
345	2,528.27	2,318.92	209.35	36,329.94
346	2,528.27	2,331.48	196.79	33,998.46
347	2,528.27	2,344.11	184.16	31,654.34
348	2,528.27	2,356.81	171.46	29,297.53
349	2,528.27	2,369.58	158.69	26,927.96
350	2,528.27	2,382.41	145.86	24,545.54
351	2,528.27	2,395.32	132.96	22,150.23
352	2,528.27	2,408.29	119.98	19,741.93
353	2,528.27	2,421.34	106.94	17,320.60
354	2,528.27	2,434.45	93.82	14,886.15
355	2,528.27	2,447.64	80.63	12,438.51
356	2,528.27	2,460.90	67.38	9,977.61
357	2,528.27	2,474.23	54.05	7,503.38
358	2,528.27	2,487.63	40.64	5,015.75
359	2,528.27	2,501.10	27.17	2,514.65
360	2,528.27	2,514.65	13.62	0.00

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Month

Payment

Principal

Interest

Balance

2,528.27

361.61

2,166.67

399,638.39

2,528.27

363.56

2,164.71

399,274.83

2,528.27

365.53

2,162.74

398,909.30

2,528.27

367.51

2,160.76

398,541.78

2,528.27

369.50

2,158.77

398,172.28

2,528.27

371.51

2,156.77

397,800.77

2,528.27

373.52

2,154.75

397,427.26

2,528.27

375.54

2,152.73

397,051.71

2,528.27

377.58

2,150.70

396,674.14

2,528.27

379.62

2,148.65

396,294.52

2,528.27

381.68

2,146.60

395,912.84

2,528.27

383.74

2,144.53

395,529.10

2,528.27

385.82

2,142.45

395,143.28

2,528.27

387.91

2,140.36

394,755.36

2,528.27

390.01

2,138.26

394,365.35

2,528.27

392.13

2,136.15

393,973.22

2,528.27

394.25

2,134.02

393,578.97

2,528.27

396.39

2,131.89

393,182.59

2,528.27

398.53

2,129.74

392,784.05

2,528.27

400.69

2,127.58

392,383.36

2,528.27

402.86

2,125.41

391,980.50

2,528.27

405.04

2,123.23

391,575.45

2,528.27

407.24

2,121.03

391,168.22

2,528.27

409.44

2,118.83

390,758.77

Showing first and last rows. Hidden rows: 312.

337

2,528.27

2,220.84

307.43

54,535.27

338

2,528.27

2,232.87

295.40

52,302.40

339

2,528.27

2,244.97

283.30

50,057.43

340

2,528.27

2,257.13

271.14

47,800.30

341

2,528.27

2,269.35

258.92

45,530.95

342

2,528.27

2,281.65

246.63

43,249.30

343

2,528.27

2,294.01

234.27

40,955.30

344

2,528.27

2,306.43

221.84

38,648.87

345

2,528.27

2,318.92

209.35

36,329.94

346

2,528.27

2,331.48

196.79

33,998.46

347

2,528.27

2,344.11

184.16

31,654.34

348

2,528.27

2,356.81

171.46

29,297.53

349

2,528.27

2,369.58

158.69

26,927.96

350

2,528.27

2,382.41

145.86

24,545.54

351

2,528.27

2,395.32

132.96

22,150.23

352

2,528.27

2,408.29

119.98

19,741.93

353

2,528.27

2,421.34

106.94

17,320.60

354

2,528.27

2,434.45

93.82

14,886.15

355

2,528.27

2,447.64

80.63

12,438.51

356

2,528.27

2,460.90

67.38

9,977.61

357

2,528.27

2,474.23

54.05

7,503.38

358

2,528.27

2,487.63

40.64

5,015.75

359

2,528.27

2,501.10

27.17

2,514.65

360

2,528.27

2,514.65

13.62

0.00