Wave 1 Tool

Mortgage Calculator

Advanced mortgage estimate with escrow and payoff acceleration for a $500,000.00 property over 30 years.

Updated: 2/20/2026, 8:48:00 PM

Tool Controls

Configure advanced parameters and run full calculations.

Quick scenarios

Open ready-made scenarios with one click.

Loan amount

$400,000.00

Monthly P&I

$2,528.27

Housing cost / mo

$3,378.27

Payoff term

30y 0m

Interest saved

$0.00

Down payment

$100,000.00

Snapshot

  • Property tax monthly (1.20%): $500.00
  • Insurance monthly: $100.00
  • HOA monthly: $250.00
  • Escrow + HOA monthly: $850.00
  • Principal + interest only: $2,528.27

Amortization Schedule (Accelerated)

MonthPaymentPrincipalInterestBalance
12,528.27
361.61
2,166.67399,638.39
22,528.27
363.56
2,164.71399,274.83
32,528.27
365.53
2,162.74398,909.30
42,528.27
367.51
2,160.76398,541.78
52,528.27
369.50
2,158.77398,172.28
62,528.27
371.51
2,156.77397,800.77
72,528.27
373.52
2,154.75397,427.26
82,528.27
375.54
2,152.73397,051.71
92,528.27
377.58
2,150.70396,674.14
102,528.27
379.62
2,148.65396,294.52
112,528.27
381.68
2,146.60395,912.84
122,528.27
383.74
2,144.53395,529.10
132,528.27
385.82
2,142.45395,143.28
142,528.27
387.91
2,140.36394,755.36
152,528.27
390.01
2,138.26394,365.35
162,528.27
392.13
2,136.15393,973.22
172,528.27
394.25
2,134.02393,578.97
182,528.27
396.39
2,131.89393,182.59
192,528.27
398.53
2,129.74392,784.05
202,528.27
400.69
2,127.58392,383.36
212,528.27
402.86
2,125.41391,980.50
222,528.27
405.04
2,123.23391,575.45
232,528.27
407.24
2,121.03391,168.22
242,528.27
409.44
2,118.83390,758.77
252,528.27
411.66
2,116.61390,347.11
262,528.27
413.89
2,114.38389,933.22
272,528.27
416.13
2,112.14389,517.08
282,528.27
418.39
2,109.88389,098.70
292,528.27
420.65
2,107.62388,678.04
302,528.27
422.93
2,105.34388,255.11
312,528.27
425.22
2,103.05387,829.89
322,528.27
427.53
2,100.75387,402.36
332,528.27
429.84
2,098.43386,972.52
342,528.27
432.17
2,096.10386,540.35
352,528.27
434.51
2,093.76386,105.83
362,528.27
436.87
2,091.41385,668.97
372,528.27
439.23
2,089.04385,229.74
382,528.27
441.61
2,086.66384,788.12
392,528.27
444.00
2,084.27384,344.12
402,528.27
446.41
2,081.86383,897.71
412,528.27
448.83
2,079.45383,448.89
422,528.27
451.26
2,077.01382,997.63
432,528.27
453.70
2,074.57382,543.93
442,528.27
456.16
2,072.11382,087.77
452,528.27
458.63
2,069.64381,629.14
462,528.27
461.11
2,067.16381,168.03
472,528.27
463.61
2,064.66380,704.41
482,528.27
466.12
2,062.15380,238.29
492,528.27
468.65
2,059.62379,769.64
502,528.27
471.19
2,057.09379,298.46
512,528.27
473.74
2,054.53378,824.72
522,528.27
476.30
2,051.97378,348.41
532,528.27
478.88
2,049.39377,869.53
542,528.27
481.48
2,046.79377,388.05
552,528.27
484.09
2,044.19376,903.96
562,528.27
486.71
2,041.56376,417.25
572,528.27
489.35
2,038.93375,927.91
582,528.27
492.00
2,036.28375,435.91
592,528.27
494.66
2,033.61374,941.25
602,528.27
497.34
2,030.93374,443.91
612,528.27
500.03
2,028.24373,943.88
622,528.27
502.74
2,025.53373,441.13
632,528.27
505.47
2,022.81372,935.67
642,528.27
508.20
2,020.07372,427.46
652,528.27
510.96
2,017.32371,916.51
662,528.27
513.72
2,014.55371,402.78
672,528.27
516.51
2,011.77370,886.27
682,528.27
519.30
2,008.97370,366.97
692,528.27
522.12
2,006.15369,844.85
702,528.27
524.95
2,003.33369,319.91
712,528.27
527.79
2,000.48368,792.12
722,528.27
530.65
1,997.62368,261.47
732,528.27
533.52
1,994.75367,727.95
742,528.27
536.41
1,991.86367,191.53
752,528.27
539.32
1,988.95366,652.22
762,528.27
542.24
1,986.03366,109.98
772,528.27
545.18
1,983.10365,564.80
782,528.27
548.13
1,980.14365,016.67
792,528.27
551.10
1,977.17364,465.57
802,528.27
554.08
1,974.19363,911.49
812,528.27
557.08
1,971.19363,354.40
822,528.27
560.10
1,968.17362,794.30
832,528.27
563.14
1,965.14362,231.17
842,528.27
566.19
1,962.09361,664.98
852,528.27
569.25
1,959.02361,095.73
862,528.27
572.34
1,955.94360,523.39
872,528.27
575.44
1,952.84359,947.95
882,528.27
578.55
1,949.72359,369.40
892,528.27
581.69
1,946.58358,787.71
902,528.27
584.84
1,943.43358,202.87
912,528.27
588.01
1,940.27357,614.86
922,528.27
591.19
1,937.08357,023.67
932,528.27
594.39
1,933.88356,429.28
942,528.27
597.61
1,930.66355,831.67
952,528.27
600.85
1,927.42355,230.82
962,528.27
604.11
1,924.17354,626.71
972,528.27
607.38
1,920.89354,019.33
982,528.27
610.67
1,917.60353,408.67
992,528.27
613.98
1,914.30352,794.69
1002,528.27
617.30
1,910.97352,177.39
1012,528.27
620.64
1,907.63351,556.74
1022,528.27
624.01
1,904.27350,932.74
1032,528.27
627.39
1,900.89350,305.35
1042,528.27
630.78
1,897.49349,674.57
1052,528.27
634.20
1,894.07349,040.37
1062,528.27
637.64
1,890.64348,402.73
1072,528.27
641.09
1,887.18347,761.64
1082,528.27
644.56
1,883.71347,117.07
1092,528.27
648.05
1,880.22346,469.02
1102,528.27
651.56
1,876.71345,817.46
1112,528.27
655.09
1,873.18345,162.36
1122,528.27
658.64
1,869.63344,503.72
1132,528.27
662.21
1,866.06343,841.51
1142,528.27
665.80
1,862.47343,175.71
1152,528.27
669.40
1,858.87342,506.31
1162,528.27
673.03
1,855.24341,833.28
1172,528.27
676.68
1,851.60341,156.60
1182,528.27
680.34
1,847.93340,476.26
1192,528.27
684.03
1,844.25339,792.24
1202,528.27
687.73
1,840.54339,104.51
1212,528.27
691.46
1,836.82338,413.05
1222,528.27
695.20
1,833.07337,717.85
1232,528.27
698.97
1,829.31337,018.88
1242,528.27
702.75
1,825.52336,316.13
1252,528.27
706.56
1,821.71335,609.57
1262,528.27
710.39
1,817.89334,899.18
1272,528.27
714.23
1,814.04334,184.95
1282,528.27
718.10
1,810.17333,466.84
1292,528.27
721.99
1,806.28332,744.85
1302,528.27
725.90
1,802.37332,018.95
1312,528.27
729.84
1,798.44331,289.11
1322,528.27
733.79
1,794.48330,555.32
1332,528.27
737.76
1,790.51329,817.56
1342,528.27
741.76
1,786.51329,075.80
1352,528.27
745.78
1,782.49328,330.02
1362,528.27
749.82
1,778.45327,580.20
1372,528.27
753.88
1,774.39326,826.32
1382,528.27
757.96
1,770.31326,068.36
1392,528.27
762.07
1,766.20325,306.29
1402,528.27
766.20
1,762.08324,540.09
1412,528.27
770.35
1,757.93323,769.75
1422,528.27
774.52
1,753.75322,995.23
1432,528.27
778.71
1,749.56322,216.51
1442,528.27
782.93
1,745.34321,433.58
1452,528.27
787.17
1,741.10320,646.41
1462,528.27
791.44
1,736.83319,854.97
1472,528.27
795.72
1,732.55319,059.24
1482,528.27
800.03
1,728.24318,259.21
1492,528.27
804.37
1,723.90317,454.84
1502,528.27
808.73
1,719.55316,646.12
1512,528.27
813.11
1,715.17315,833.01
1522,528.27
817.51
1,710.76315,015.50
1532,528.27
821.94
1,706.33314,193.56
1542,528.27
826.39
1,701.88313,367.17
1552,528.27
830.87
1,697.41312,536.31
1562,528.27
835.37
1,692.90311,700.94
1572,528.27
839.89
1,688.38310,861.05
1582,528.27
844.44
1,683.83310,016.60
1592,528.27
849.02
1,679.26309,167.59
1602,528.27
853.61
1,674.66308,313.97
1612,528.27
858.24
1,670.03307,455.74
1622,528.27
862.89
1,665.39306,592.85
1632,528.27
867.56
1,660.71305,725.29
1642,528.27
872.26
1,656.01304,853.03
1652,528.27
876.98
1,651.29303,976.04
1662,528.27
881.74
1,646.54303,094.31
1672,528.27
886.51
1,641.76302,207.80
1682,528.27
891.31
1,636.96301,316.48
1692,528.27
896.14
1,632.13300,420.34
1702,528.27
901.00
1,627.28299,519.35
1712,528.27
905.88
1,622.40298,613.47
1722,528.27
910.78
1,617.49297,702.69
1732,528.27
915.72
1,612.56296,786.97
1742,528.27
920.68
1,607.60295,866.30
1752,528.27
925.66
1,602.61294,940.64
1762,528.27
930.68
1,597.60294,009.96
1772,528.27
935.72
1,592.55293,074.24
1782,528.27
940.79
1,587.49292,133.45
1792,528.27
945.88
1,582.39291,187.57
1802,528.27
951.01
1,577.27290,236.56
1812,528.27
956.16
1,572.11289,280.41
1822,528.27
961.34
1,566.94288,319.07
1832,528.27
966.54
1,561.73287,352.53
1842,528.27
971.78
1,556.49286,380.75
1852,528.27
977.04
1,551.23285,403.70
1862,528.27
982.34
1,545.94284,421.37
1872,528.27
987.66
1,540.62283,433.71
1882,528.27
993.01
1,535.27282,440.71
1892,528.27
998.38
1,529.89281,442.32
1902,528.27
1,003.79
1,524.48280,438.53
1912,528.27
1,009.23
1,519.04279,429.30
1922,528.27
1,014.70
1,513.58278,414.60
1932,528.27
1,020.19
1,508.08277,394.41
1942,528.27
1,025.72
1,502.55276,368.69
1952,528.27
1,031.28
1,497.00275,337.42
1962,528.27
1,036.86
1,491.41274,300.55
1972,528.27
1,042.48
1,485.79273,258.08
1982,528.27
1,048.12
1,480.15272,209.95
1992,528.27
1,053.80
1,474.47271,156.15
2002,528.27
1,059.51
1,468.76270,096.64
2012,528.27
1,065.25
1,463.02269,031.39
2022,528.27
1,071.02
1,457.25267,960.37
2032,528.27
1,076.82
1,451.45266,883.55
2042,528.27
1,082.65
1,445.62265,800.90
2052,528.27
1,088.52
1,439.75264,712.38
2062,528.27
1,094.41
1,433.86263,617.97
2072,528.27
1,100.34
1,427.93262,517.63
2082,528.27
1,106.30
1,421.97261,411.33
2092,528.27
1,112.29
1,415.98260,299.03
2102,528.27
1,118.32
1,409.95259,180.71
2112,528.27
1,124.38
1,403.90258,056.34
2122,528.27
1,130.47
1,397.81256,925.87
2132,528.27
1,136.59
1,391.68255,789.28
2142,528.27
1,142.75
1,385.53254,646.53
2152,528.27
1,148.94
1,379.34253,497.60
2162,528.27
1,155.16
1,373.11252,342.44
2172,528.27
1,161.42
1,366.85251,181.02
2182,528.27
1,167.71
1,360.56250,013.31
2192,528.27
1,174.03
1,354.24248,839.28
2202,528.27
1,180.39
1,347.88247,658.89
2212,528.27
1,186.79
1,341.49246,472.10
2222,528.27
1,193.21
1,335.06245,278.88
2232,528.27
1,199.68
1,328.59244,079.21
2242,528.27
1,206.18
1,322.10242,873.03
2252,528.27
1,212.71
1,315.56241,660.32
2262,528.27
1,219.28
1,308.99240,441.04
2272,528.27
1,225.88
1,302.39239,215.16
2282,528.27
1,232.52
1,295.75237,982.64
2292,528.27
1,239.20
1,289.07236,743.44
2302,528.27
1,245.91
1,282.36235,497.52
2312,528.27
1,252.66
1,275.61234,244.86
2322,528.27
1,259.45
1,268.83232,985.42
2332,528.27
1,266.27
1,262.00231,719.15
2342,528.27
1,273.13
1,255.15230,446.02
2352,528.27
1,280.02
1,248.25229,166.00
2362,528.27
1,286.96
1,241.32227,879.04
2372,528.27
1,293.93
1,234.34226,585.12
2382,528.27
1,300.94
1,227.34225,284.18
2392,528.27
1,307.98
1,220.29223,976.20
2402,528.27
1,315.07
1,213.20222,661.13
2412,528.27
1,322.19
1,206.08221,338.94
2422,528.27
1,329.35
1,198.92220,009.59
2432,528.27
1,336.55
1,191.72218,673.03
2442,528.27
1,343.79
1,184.48217,329.24
2452,528.27
1,351.07
1,177.20215,978.17
2462,528.27
1,358.39
1,169.88214,619.78
2472,528.27
1,365.75
1,162.52213,254.03
2482,528.27
1,373.15
1,155.13211,880.88
2492,528.27
1,380.58
1,147.69210,500.30
2502,528.27
1,388.06
1,140.21209,112.24
2512,528.27
1,395.58
1,132.69207,716.66
2522,528.27
1,403.14
1,125.13206,313.52
2532,528.27
1,410.74
1,117.53204,902.78
2542,528.27
1,418.38
1,109.89203,484.39
2552,528.27
1,426.06
1,102.21202,058.33
2562,528.27
1,433.79
1,094.48200,624.54
2572,528.27
1,441.56
1,086.72199,182.98
2582,528.27
1,449.36
1,078.91197,733.62
2592,528.27
1,457.21
1,071.06196,276.40
2602,528.27
1,465.11
1,063.16194,811.30
2612,528.27
1,473.04
1,055.23193,338.25
2622,528.27
1,481.02
1,047.25191,857.23
2632,528.27
1,489.05
1,039.23190,368.18
2642,528.27
1,497.11
1,031.16188,871.07
2652,528.27
1,505.22
1,023.05187,365.85
2662,528.27
1,513.37
1,014.90185,852.48
2672,528.27
1,521.57
1,006.70184,330.91
2682,528.27
1,529.81
998.46182,801.09
2692,528.27
1,538.10
990.17181,262.99
2702,528.27
1,546.43
981.84179,716.56
2712,528.27
1,554.81
973.46178,161.76
2722,528.27
1,563.23
965.04176,598.53
2732,528.27
1,571.70
956.58175,026.83
2742,528.27
1,580.21
948.06173,446.62
2752,528.27
1,588.77
939.50171,857.85
2762,528.27
1,597.38
930.90170,260.47
2772,528.27
1,606.03
922.24168,654.45
2782,528.27
1,614.73
913.54167,039.72
2792,528.27
1,623.47
904.80165,416.25
2802,528.27
1,632.27
896.00163,783.98
2812,528.27
1,641.11
887.16162,142.87
2822,528.27
1,650.00
878.27160,492.87
2832,528.27
1,658.94
869.34158,833.94
2842,528.27
1,667.92
860.35157,166.01
2852,528.27
1,676.96
851.32155,489.06
2862,528.27
1,686.04
842.23153,803.02
2872,528.27
1,695.17
833.10152,107.85
2882,528.27
1,704.35
823.92150,403.49
2892,528.27
1,713.59
814.69148,689.90
2902,528.27
1,722.87
805.40146,967.04
2912,528.27
1,732.20
796.07145,234.84
2922,528.27
1,741.58
786.69143,493.25
2932,528.27
1,751.02
777.26141,742.23
2942,528.27
1,760.50
767.77139,981.73
2952,528.27
1,770.04
758.23138,211.70
2962,528.27
1,779.63
748.65136,432.07
2972,528.27
1,789.27
739.01134,642.80
2982,528.27
1,798.96
729.32132,843.85
2992,528.27
1,808.70
719.57131,035.15
3002,528.27
1,818.50
709.77129,216.65
3012,528.27
1,828.35
699.92127,388.30
3022,528.27
1,838.25
690.02125,550.05
3032,528.27
1,848.21
680.06123,701.84
3042,528.27
1,858.22
670.05121,843.62
3052,528.27
1,868.29
659.99119,975.33
3062,528.27
1,878.41
649.87118,096.93
3072,528.27
1,888.58
639.69116,208.35
3082,528.27
1,898.81
629.46114,309.54
3092,528.27
1,909.10
619.18112,400.44
3102,528.27
1,919.44
608.84110,481.00
3112,528.27
1,929.83
598.44108,551.17
3122,528.27
1,940.29
587.99106,610.88
3132,528.27
1,950.80
577.48104,660.09
3142,528.27
1,961.36
566.91102,698.72
3152,528.27
1,971.99
556.28100,726.74
3162,528.27
1,982.67
545.6098,744.07
3172,528.27
1,993.41
534.8696,750.66
3182,528.27
2,004.21
524.0794,746.45
3192,528.27
2,015.06
513.2192,731.39
3202,528.27
2,025.98
502.3090,705.41
3212,528.27
2,036.95
491.3288,668.46
3222,528.27
2,047.98
480.2986,620.48
3232,528.27
2,059.08
469.1984,561.40
3242,528.27
2,070.23
458.0482,491.17
3252,528.27
2,081.44
446.8380,409.72
3262,528.27
2,092.72
435.5578,317.01
3272,528.27
2,104.05
424.2276,212.95
3282,528.27
2,115.45
412.8274,097.50
3292,528.27
2,126.91
401.3671,970.59
3302,528.27
2,138.43
389.8469,832.16
3312,528.27
2,150.01
378.2667,682.14
3322,528.27
2,161.66
366.6165,520.48
3332,528.27
2,173.37
354.9063,347.11
3342,528.27
2,185.14
343.1361,161.97
3352,528.27
2,196.98
331.2958,964.99
3362,528.27
2,208.88
319.3956,756.11
3372,528.27
2,220.84
307.4354,535.27
3382,528.27
2,232.87
295.4052,302.40
3392,528.27
2,244.97
283.3050,057.43
3402,528.27
2,257.13
271.1447,800.30
3412,528.27
2,269.35
258.9245,530.95
3422,528.27
2,281.65
246.6343,249.30
3432,528.27
2,294.01
234.2740,955.30
3442,528.27
2,306.43
221.8438,648.87
3452,528.27
2,318.92
209.3536,329.94
3462,528.27
2,331.48
196.7933,998.46
3472,528.27
2,344.11
184.1631,654.34
3482,528.27
2,356.81
171.4629,297.53
3492,528.27
2,369.58
158.6926,927.96
3502,528.27
2,382.41
145.8624,545.54
3512,528.27
2,395.32
132.9622,150.23
3522,528.27
2,408.29
119.9819,741.93
3532,528.27
2,421.34
106.9417,320.60
3542,528.27
2,434.45
93.8214,886.15
3552,528.27
2,447.64
80.6312,438.51
3562,528.27
2,460.90
67.389,977.61
3572,528.27
2,474.23
54.057,503.38
3582,528.27
2,487.63
40.645,015.75
3592,528.27
2,501.10
27.172,514.65
3602,528.27
2,514.65
13.620.00

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