{"id":49428,"date":"2021-03-23T10:00:42","date_gmt":"2021-03-23T17:00:42","guid":{"rendered":"https:\/\/www.movoto.com\/blog\/?p=49428"},"modified":"2026-09-24T13:43:02","modified_gmt":"2026-09-24T20:43:02","slug":"how-to-use-a-mortgage-payment-calculator","status":"publish","type":"post","link":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/","title":{"rendered":"How to Use a Mortgage Payment Calculator"},"content":{"rendered":"<p>A mortgage payment calculator can help turn a home price into something more useful: an estimated monthly payment.<\/p>\n<p>That makes it valuable before you apply for a loan or make an offer. You can test different home prices, down payments, interest rates and loan terms to see how each one changes your housing cost.<\/p>\n<p>But the calculator is only as useful as the information you enter. If you calculate principal and interest while ignoring property taxes, insurance or mortgage insurance, you can substantially underestimate what owning the home could cost each month.<\/p>\n<h2 class=\"h\">Key Takeaways<\/h2>\n<ol>\n<li>A useful mortgage estimate includes more than principal and interest.<\/li>\n<li>Interest rate, down payment and loan term can materially change the monthly payment.<\/li>\n<li>A calculator is a planning tool, not a mortgage quote or loan approval.<\/li>\n<\/ol>\n<h2>What Is a Mortgage Payment Calculator?<\/h2>\n<p>A mortgage payment calculator estimates how much a home loan could cost each month based on assumptions you provide.<\/p>\n<p>At its simplest, the calculation uses three major pieces of information:<\/p>\n<ul>\n<li>Loan amount<\/li>\n<li>Interest rate<\/li>\n<li>Loan term<\/li>\n<\/ul>\n<p>Those inputs determine the scheduled principal-and-interest payment for a standard amortizing mortgage.<\/p>\n<p>A more complete <a href=\"https:\/\/www.lower.com\/mortgages\/calculators\/monthly-payment\">mortgage payment calculator<\/a> can also incorporate estimated property taxes, homeowners insurance and mortgage insurance so you can compare something closer to the full monthly housing payment.<\/p>\n<h2>What Is Included in a Monthly Mortgage Payment?<\/h2>\n<p>A monthly mortgage payment can contain several components.<\/p>\n<h3>Principal<\/h3>\n<p>Principal is the portion of your payment that reduces the amount you owe on the mortgage.<\/p>\n<p>If you borrow $300,000, your starting principal balance is generally $300,000.<\/p>\n<h3>Interest<\/h3>\n<p>Interest is the cost charged for borrowing the money.<\/p>\n<p>On a standard fixed-rate mortgage, your scheduled principal-and-interest payment remains the same for the term of the loan, assuming you make the required payments.<\/p>\n<p>The allocation changes over time. Early payments generally contain more interest and less principal. As the balance falls, more of the payment goes toward principal.<\/p>\n<h3>Property Taxes<\/h3>\n<p>Property taxes are imposed by state and local taxing authorities.<\/p>\n<p>If you have an escrow account, the mortgage servicer generally collects part of the expected annual tax amount with your monthly payment and pays the tax authority when the bill is due.<\/p>\n<p>Taxes vary considerably by property and location.<\/p>\n<h3>Homeowners Insurance<\/h3>\n<p>Homeowners insurance is another cost commonly included in escrow.<\/p>\n<p>Premiums depend on factors involving the property, location, coverage and insurer.<\/p>\n<p>When you&#8217;re researching a specific home, an actual insurance quote can produce a better payment estimate than a generic percentage assumption.<\/p>\n<h3>Mortgage Insurance<\/h3>\n<p>Mortgage insurance or similar program costs can apply depending on the mortgage.<\/p>\n<p>Examples include:<\/p>\n<ul>\n<li>Private mortgage insurance, or PMI, on certain conventional loans<\/li>\n<li>Annual mortgage insurance premiums on FHA loans<\/li>\n<li>USDA annual guarantee fees<\/li>\n<\/ul>\n<p>VA-backed mortgages do not require monthly mortgage insurance, although many VA borrowers pay a separate one-time funding fee.<\/p>\n<h3>HOA or Condo Dues<\/h3>\n<p>Homeowners association dues are not part of the mortgage itself, but they are still part of the cost of owning the property.<\/p>\n<p>They can also matter for mortgage qualification.<\/p>\n<p>Include mandatory HOA or condo fees when comparing homes if your calculator allows it.<\/p>\n<h2>What Does PITI Mean?<\/h2>\n<p>You may see the acronym <strong>PITI<\/strong> when discussing mortgage payments.<\/p>\n<p>It stands for:<\/p>\n<ul>\n<li><strong>P:<\/strong> Principal<\/li>\n<li><strong>I:<\/strong> Interest<\/li>\n<li><strong>T:<\/strong> Taxes<\/li>\n<li><strong>I:<\/strong> Insurance<\/li>\n<\/ul>\n<p>Depending on the loan, the actual monthly housing payment can also include mortgage insurance and association dues.<\/p>\n<p>That is why the principal-and-interest payment alone isn&#8217;t always the best number to use when deciding whether a house fits your budget.<\/p>\n<h2>What Information Do You Need for a Mortgage Calculator?<\/h2>\n<p>You don&#8217;t need a full mortgage application to create a useful estimate.<\/p>\n<p>Start with:<\/p>\n<ul>\n<li>Home price<\/li>\n<li>Down payment<\/li>\n<li>Interest rate<\/li>\n<li>Loan term<\/li>\n<li>Estimated property taxes<\/li>\n<li>Estimated homeowners insurance<\/li>\n<li>Mortgage insurance when applicable<\/li>\n<li>HOA dues when applicable<\/li>\n<\/ul>\n<p>Some calculators can also work backward from your income or a target monthly payment to estimate an affordable purchase price.<\/p>\n<h2>1. Enter the Home Price<\/h2>\n<p>Start with the purchase price you&#8217;re considering.<\/p>\n<p>If you&#8217;re still early in your search, try several prices instead of one.<\/p>\n<p>For example, comparing payments at $300,000, $350,000 and $400,000 can show how quickly the monthly cost changes as you move through your price range.<\/p>\n<p>Once you&#8217;re considering a specific listing, use its actual asking price as a starting point and then test possible offer prices.<\/p>\n<h2>2. Enter Your Down Payment<\/h2>\n<p>Your down payment reduces the amount you need to borrow.<\/p>\n<p>The basic calculation is:<\/p>\n<p><strong>Home price \u2212 down payment = starting loan amount<\/strong><\/p>\n<p>If you buy a $400,000 home with $40,000 down, your starting loan amount would generally be $360,000 before accounting for any separately financed program fees.<\/p>\n<p>Your down payment can also affect:<\/p>\n<ul>\n<li>Loan-to-value ratio<\/li>\n<li>Mortgage insurance<\/li>\n<li>Mortgage pricing<\/li>\n<li>Cash needed at closing<\/li>\n<\/ul>\n<p>Try more than one down-payment amount.<\/p>\n<p>You may find that increasing the down payment lowers the monthly payment, while keeping more cash available leaves you in a stronger position for repairs, moving costs or emergencies.<\/p>\n<h2>3. Choose an Interest Rate<\/h2>\n<p>The mortgage rate can have a major effect on the payment.<\/p>\n<p>If you&#8217;re only estimating, use a reasonable current rate assumption for the type of mortgage you&#8217;re considering.<\/p>\n<p>Once you have lender quotes, replace the generic assumption with the actual rate you&#8217;re being offered.<\/p>\n<p>Even a relatively small rate difference can become meaningful over a large mortgage balance.<\/p>\n<h2>Interest Rate vs. APR<\/h2>\n<p>Don&#8217;t enter APR into a calculator field that asks for the mortgage interest rate unless the tool specifically tells you to.<\/p>\n<p>They are different figures.<\/p>\n<p>The <strong>interest rate<\/strong> determines the interest charged on the loan and is used to calculate the scheduled principal-and-interest payment.<\/p>\n<p>The <strong>annual percentage rate, or APR<\/strong>, incorporates the interest rate plus certain additional loan costs to provide another way to compare mortgage offers.<\/p>\n<p>APR can be particularly useful when comparing loans with different combinations of rates, points and lender charges.<\/p>\n<h2>4. Select the Loan Term<\/h2>\n<p>The loan term is the length of the repayment schedule.<\/p>\n<p>Two common fixed-rate options are 15 and 30 years.<\/p>\n<table>\n<thead>\n<tr>\n<th><\/th>\n<th>15-year mortgage<\/th>\n<th>30-year mortgage<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Repayment period<\/td>\n<td>Shorter<\/td>\n<td>Longer<\/td>\n<\/tr>\n<tr>\n<td>Required monthly payment<\/td>\n<td>Generally higher<\/td>\n<td>Generally lower<\/td>\n<\/tr>\n<tr>\n<td>Principal paid down<\/td>\n<td>Faster<\/td>\n<td>Slower<\/td>\n<\/tr>\n<tr>\n<td>Total interest if held to maturity<\/td>\n<td>Generally lower<\/td>\n<td>Generally higher<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>A shorter term isn&#8217;t automatically the better mortgage.<\/p>\n<p>Use the calculator to see whether the higher required payment comfortably fits your budget before focusing on potential interest savings.<\/p>\n<h2>5. Add Property Taxes<\/h2>\n<p>Property taxes can create a large difference between two homes with the same purchase price.<\/p>\n<p>For an early estimate, a calculator may use a broad tax assumption.<\/p>\n<p>Once you&#8217;re considering a specific property, look for the actual local tax information and learn how the property may be reassessed after a sale.<\/p>\n<p>Don&#8217;t assume the seller&#8217;s current tax bill will necessarily be your future bill.<\/p>\n<h2>6. Add Homeowners Insurance<\/h2>\n<p>Insurance costs also vary significantly.<\/p>\n<p>Location, replacement cost, property characteristics and coverage choices can all affect the premium.<\/p>\n<p>A calculator&#8217;s default insurance assumption can be useful for preliminary planning.<\/p>\n<p>As you get closer to buying, replace it with an insurance quote for the specific property.<\/p>\n<h2>7. Include Mortgage Insurance<\/h2>\n<p>If you&#8217;re using conventional financing with less than 20% down, PMI may be part of the monthly payment depending on the loan structure.<\/p>\n<p>PMI pricing can depend on factors such as:<\/p>\n<ul>\n<li>Credit score<\/li>\n<li>Loan-to-value ratio<\/li>\n<li>Mortgage insurance coverage<\/li>\n<li>Loan characteristics<\/li>\n<\/ul>\n<p>FHA uses a different mortgage insurance system.<\/p>\n<p>Don&#8217;t apply one generic PMI estimate to every mortgage program.<\/p>\n<p>If you&#8217;re specifically modeling conventional financing, a <a href=\"https:\/\/www.lower.com\/mortgages\/calculators\/conventional-mortgage\">conventional mortgage calculator<\/a> can let you change the down payment and PMI assumptions together.<\/p>\n<h2>8. Add HOA Dues<\/h2>\n<p>If the property belongs to an HOA or condo association, include the required monthly dues in your housing budget.<\/p>\n<p>A $2,500 mortgage-related payment plus $400 in monthly condo dues creates a different affordability picture than a $2,500 payment with no association fee.<\/p>\n<p>Also remember that HOA dues can change over time.<\/p>\n<h2>How a Mortgage Calculator Calculates Principal and Interest<\/h2>\n<p>For a standard fixed-rate amortizing mortgage, the calculation uses:<\/p>\n<ul>\n<li>Principal balance<\/li>\n<li>Monthly interest rate<\/li>\n<li>Total number of monthly payments<\/li>\n<\/ul>\n<p>The payment is structured so the scheduled balance reaches zero at the end of the loan term if all required payments are made.<\/p>\n<p>You don&#8217;t need to perform the equation manually to compare mortgage scenarios.<\/p>\n<p>The more important task is entering realistic assumptions and understanding what the result includes.<\/p>\n<h2>Example of a Mortgage Payment Estimate<\/h2>\n<p>Suppose you&#8217;re comparing a $400,000 home with:<\/p>\n<ul>\n<li>10% down<\/li>\n<li>A $360,000 starting mortgage<\/li>\n<li>A 30-year fixed-rate loan<\/li>\n<li>An illustrative 6.5% interest rate<\/li>\n<\/ul>\n<p>Principal and interest would be only one part of the estimate.<\/p>\n<p>You would also need to add assumptions for:<\/p>\n<ul>\n<li>Property taxes<\/li>\n<li>Homeowners insurance<\/li>\n<li>PMI<\/li>\n<li>HOA dues, if applicable<\/li>\n<\/ul>\n<p>That can make the complete estimated housing payment several hundred dollars higher than the principal-and-interest figure alone.<\/p>\n<p>This example uses a hypothetical rate for illustration, not a mortgage quote.<\/p>\n<h2>How Can a Mortgage Calculator Help You Set a Homebuying Budget?<\/h2>\n<p>You can use a calculator before you know exactly which house you&#8217;ll buy.<\/p>\n<p>Start by deciding what monthly housing payment feels sustainable within your budget.<\/p>\n<p>Then test different:<\/p>\n<ul>\n<li>Home prices<\/li>\n<li>Down payments<\/li>\n<li>Interest rates<\/li>\n<li>Loan terms<\/li>\n<\/ul>\n<p>That can help translate a monthly budget into a rough price range.<\/p>\n<p>Don&#8217;t confuse that estimate with formal mortgage qualification.<\/p>\n<p>A lender will evaluate documented income, debts, credit, assets and the property when determining what you can actually borrow.<\/p>\n<h2>Mortgage Approval vs. Personal Affordability<\/h2>\n<p>The amount a lender is willing to approve and the amount you want to spend can be different.<\/p>\n<p>Mortgage underwriting considers factors such as:<\/p>\n<ul>\n<li>Qualifying income<\/li>\n<li>Monthly debts<\/li>\n<li>Credit<\/li>\n<li>Assets<\/li>\n<li>Loan program<\/li>\n<\/ul>\n<p>Your personal budget includes additional priorities that underwriting may not fully capture, such as:<\/p>\n<ul>\n<li>Childcare<\/li>\n<li>Groceries<\/li>\n<li>Travel<\/li>\n<li>Retirement savings<\/li>\n<li>Health care<\/li>\n<li>Home maintenance<\/li>\n<li>Other personal goals<\/li>\n<\/ul>\n<p>Use the calculator to find a payment you&#8217;re comfortable with rather than treating the maximum potential approval as a spending target.<\/p>\n<h2>How Down Payment Changes Your Mortgage Payment<\/h2>\n<p>A calculator makes the effect of different down payments easier to see.<\/p>\n<p>Increasing the down payment can:<\/p>\n<ul>\n<li>Reduce the mortgage balance<\/li>\n<li>Reduce principal and interest<\/li>\n<li>Lower the loan-to-value ratio<\/li>\n<li>Change PMI costs<\/li>\n<li>Potentially affect loan pricing<\/li>\n<\/ul>\n<p>But a larger down payment also requires more cash upfront.<\/p>\n<p>Compare both sides of the decision: the monthly payment you save and the cash you will have remaining after closing.<\/p>\n<h2>How Interest Rates Change Your Payment<\/h2>\n<p>Keep the home price and down payment the same and change only the rate.<\/p>\n<p>You&#8217;ll see that a higher interest rate increases principal and interest, while a lower rate decreases it.<\/p>\n<p>This is especially useful when mortgage rates move while you&#8217;re shopping.<\/p>\n<p>A home price that fit comfortably at one rate may produce a materially different payment several months later.<\/p>\n<h2>How Loan Term Changes Your Payment<\/h2>\n<p>Next, keep the balance and rate assumptions consistent and switch between loan terms.<\/p>\n<p>A 30-year term spreads repayment across more payments, generally reducing the required monthly principal-and-interest payment.<\/p>\n<p>A 15-year loan repays the balance more quickly, producing a higher required payment but generally less total interest if held for the full term.<\/p>\n<p>The calculator lets you quantify that tradeoff before deciding which payment structure fits your budget.<\/p>\n<h2>How to Compare Fixed-Rate and Adjustable-Rate Mortgages<\/h2>\n<p>An adjustable-rate mortgage, or ARM, requires additional information beyond a standard fixed-rate calculation.<\/p>\n<p>An ARM generally begins with an initial fixed-rate period and then adjusts according to its:<\/p>\n<ul>\n<li>Index<\/li>\n<li>Margin<\/li>\n<li>Adjustment schedule<\/li>\n<li>Initial cap<\/li>\n<li>Periodic caps<\/li>\n<li>Lifetime cap<\/li>\n<\/ul>\n<p>A simple fixed-rate calculator may show the initial ARM payment but not every possible future payment.<\/p>\n<p>If you&#8217;re considering an ARM, evaluate how high the rate and payment could rise under the loan&#8217;s adjustment limits rather than looking only at the introductory payment.<\/p>\n<h2>How to Compare Different Loan Programs<\/h2>\n<p>The same home price can produce different payments under different mortgage programs.<\/p>\n<p>Conventional, FHA, VA and USDA loans use different:<\/p>\n<ul>\n<li>Down-payment structures<\/li>\n<li>Mortgage insurance or guarantee fees<\/li>\n<li>Upfront program fees<\/li>\n<li>Eligibility requirements<\/li>\n<li>Interest-rate pricing<\/li>\n<\/ul>\n<p>That means the mortgage with the smallest down payment doesn&#8217;t automatically have the smallest monthly payment or lowest overall cost.<\/p>\n<p>Program-specific calculators can help you model those differences before you request actual lender quotes.<\/p>\n<h2>Can a Calculator Tell You How Much Interest You&#8217;ll Pay?<\/h2>\n<p>Yes, when the calculator includes an amortization schedule or total-interest estimate.<\/p>\n<p>An amortization schedule shows how each payment is divided between principal and interest over time.<\/p>\n<p>For a fixed-rate mortgage, the monthly principal-and-interest payment may remain constant while the composition changes:<\/p>\n<ul>\n<li>Early in the loan: more interest, less principal<\/li>\n<li>Later in the loan: less interest, more principal<\/li>\n<\/ul>\n<p>This can help when comparing a 15-year and 30-year loan or evaluating additional principal payments.<\/p>\n<h2>What a Mortgage Calculator Can&#8217;t Tell You<\/h2>\n<p>A calculator is an estimate, not an underwriting system.<\/p>\n<p>It doesn&#8217;t determine:<\/p>\n<ul>\n<li>Whether you qualify for the mortgage<\/li>\n<li>Your final interest rate<\/li>\n<li>Your exact PMI premium<\/li>\n<li>Your final homeowners insurance premium<\/li>\n<li>The exact future property-tax bill<\/li>\n<li>Whether the property satisfies loan requirements<\/li>\n<li>Your final closing costs<\/li>\n<\/ul>\n<p>The result is most useful for planning and comparing scenarios.<\/p>\n<h2>Why Mortgage Calculator Results Can Be Wrong<\/h2>\n<p>The math can be correct while the estimate is still inaccurate for your actual purchase.<\/p>\n<p>That usually happens because one or more assumptions are wrong.<\/p>\n<p>Common examples include:<\/p>\n<ul>\n<li>Using outdated mortgage rates<\/li>\n<li>Underestimating property taxes<\/li>\n<li>Leaving out homeowners insurance<\/li>\n<li>Ignoring PMI<\/li>\n<li>Leaving out HOA dues<\/li>\n<li>Using the seller&#8217;s existing tax bill when reassessment could change it<\/li>\n<\/ul>\n<p>Replace generic estimates with property- and borrower-specific numbers as you get closer to buying.<\/p>\n<p>Our guide to <a href=\"\/blog\/how-accurate-is-a-mortgage-loan-calculator\/\">mortgage calculator accuracy<\/a> explains why calculator results can differ from an actual lender quote.<\/p>\n<h2>Mortgage Calculator vs. Loan Estimate<\/h2>\n<p>A mortgage calculator is for planning.<\/p>\n<p>A Loan Estimate is an official standardized disclosure you receive after applying for a mortgage and providing the required information.<\/p>\n<p>The Loan Estimate shows details such as:<\/p>\n<ul>\n<li>Loan amount<\/li>\n<li>Interest rate<\/li>\n<li>Principal and interest<\/li>\n<li>Estimated taxes and insurance<\/li>\n<li>Mortgage insurance<\/li>\n<li>Closing costs<\/li>\n<li>Estimated cash to close<\/li>\n<li>APR<\/li>\n<\/ul>\n<p>Once you have Loan Estimates from lenders, use those disclosures \u2014 rather than a generic calculator \u2014 to compare actual mortgage offers.<\/p>\n<h2>What Should You Compare Between Mortgage Offers?<\/h2>\n<p>Don&#8217;t compare only the monthly payment.<\/p>\n<p>Two mortgages can have similar payments but different upfront costs.<\/p>\n<p>Compare:<\/p>\n<ul>\n<li>Interest rate<\/li>\n<li>APR<\/li>\n<li>Discount points<\/li>\n<li>Lender fees<\/li>\n<li>Mortgage insurance<\/li>\n<li>Total monthly payment<\/li>\n<li>Cash to close<\/li>\n<li>Loan term<\/li>\n<li>Whether the rate is fixed or adjustable<\/li>\n<\/ul>\n<p>A lower advertised rate may come with additional points or fees.<\/p>\n<p>The Loan Estimate gives you a standardized format for evaluating those tradeoffs.<\/p>\n<h2>How to Use a Mortgage Calculator While Shopping for Homes<\/h2>\n<p>Instead of running the calculator once, use it throughout your search.<\/p>\n<h3>Before You Start Shopping<\/h3>\n<p>Test several prices to establish a preliminary range.<\/p>\n<h3>When You Find a Listing<\/h3>\n<p>Use the actual price, tax information, HOA dues and a better insurance estimate.<\/p>\n<h3>Before Making an Offer<\/h3>\n<p>Run the payment at the price you intend to offer rather than only at the list price.<\/p>\n<h3>After Getting a Rate Quote<\/h3>\n<p>Replace your assumed rate with the lender&#8217;s quoted rate.<\/p>\n<h3>After Receiving a Loan Estimate<\/h3>\n<p>Compare the official disclosure with your earlier estimate and investigate meaningful differences.<\/p>\n<h2>What Mortgage Payment Can You Comfortably Afford?<\/h2>\n<p>The answer is personal.<\/p>\n<p>Start with take-home pay and consider:<\/p>\n<ul>\n<li>Existing debts<\/li>\n<li>Regular household expenses<\/li>\n<li>Emergency savings<\/li>\n<li>Retirement contributions<\/li>\n<li>Home maintenance<\/li>\n<li>Other financial goals<\/li>\n<\/ul>\n<p>Then determine how much room remains for housing.<\/p>\n<p>The largest mortgage a lender might approve isn&#8217;t necessarily the payment that fits your priorities.<\/p>\n<p>If you want to work backward from income or a target monthly payment, a <a href=\"https:\/\/www.lower.com\/mortgages\/calculators\/how-much-house-can-i-afford\">home affordability calculator<\/a> can help translate those assumptions into an estimated purchase-price range.<\/p>\n<h2>Mortgage Calculator Checklist<\/h2>\n<p>For a useful estimate, make sure you&#8217;ve considered:<\/p>\n<ol>\n<li>Home price<\/li>\n<li>Down payment<\/li>\n<li>Loan amount<\/li>\n<li>Current interest-rate assumption<\/li>\n<li>Loan term<\/li>\n<li>Property taxes<\/li>\n<li>Homeowners insurance<\/li>\n<li>Mortgage insurance or program fees<\/li>\n<li>HOA or condo dues<\/li>\n<li>Your own monthly budget<\/li>\n<\/ol>\n<p>Then change one variable at a time so you can see what is actually driving the difference in payment.<\/p>\n<h2>Bottom Line<\/h2>\n<p>A mortgage payment calculator is most useful when you treat it as a scenario-testing tool rather than a prediction of exactly what a lender will offer.<\/p>\n<p>Start with the home price, down payment, interest rate and loan term. Then add realistic estimates for property taxes, homeowners insurance, mortgage insurance and HOA dues.<\/p>\n<p>Run several scenarios.<\/p>\n<p>See what happens when rates change, when you put more or less down, or when you move up or down in purchase price. Then compare the resulting full monthly payment with the rest of your household budget.<\/p>\n<p>Once you apply for a mortgage, use your official Loan Estimates to compare the actual loan terms and costs available to you.<\/p>\n<h2>FAQ<\/h2>\n<h3>How do you calculate a mortgage payment?<\/h3>\n<p>A standard fixed-rate principal-and-interest payment is calculated using the loan amount, interest rate and loan term. Your full housing payment can also include property taxes, homeowners insurance, mortgage insurance and HOA dues.<\/p>\n<h3>What does a mortgage calculator include?<\/h3>\n<p>It depends on the tool. Basic calculators may show only principal and interest, while more complete calculators can also estimate taxes, insurance, mortgage insurance and other housing expenses.<\/p>\n<h3>What information do you need for a mortgage calculator?<\/h3>\n<p>For a useful estimate, enter the home price, down payment, interest rate and loan term. Add property taxes, homeowners insurance, mortgage insurance and HOA dues when applicable.<\/p>\n<h3>Are mortgage payment calculators accurate?<\/h3>\n<p>The underlying payment calculation can be precise, but the overall estimate depends on your inputs. Incorrect assumptions for rates, property taxes, insurance or mortgage insurance can make the final payment substantially different from your actual mortgage.<\/p>\n<h3>Does a mortgage calculator include property taxes?<\/h3>\n<p>Some do and some don&#8217;t. Check whether the displayed payment is principal and interest only or includes taxes and insurance.<\/p>\n<h3>Does a mortgage calculator include PMI?<\/h3>\n<p>Only if the calculator is designed to estimate it and you&#8217;ve entered the necessary assumptions. PMI costs vary by borrower and loan characteristics.<\/p>\n<h3>Should I use the interest rate or APR in a mortgage calculator?<\/h3>\n<p>Use the mortgage interest rate when the calculator asks for the rate used to calculate principal and interest. APR is a separate comparison measure that incorporates certain additional loan costs.<\/p>\n<h3>Is a mortgage calculator the same as a mortgage preapproval?<\/h3>\n<p>No. A calculator provides an estimate. Preapproval involves a lender reviewing financial information to determine what it may be willing to lend, subject to conditions and final underwriting.<\/p>\n<h3>Is a mortgage calculator the same as a Loan Estimate?<\/h3>\n<p>No. A calculator is an educational planning tool. A Loan Estimate is a standardized mortgage disclosure showing the terms and estimated costs associated with an actual application.<\/p>\n<h3>Can I use a mortgage calculator before talking to a lender?<\/h3>\n<p>Yes. That is one of its most useful purposes. You can compare price, rate, down-payment and loan-term scenarios before you apply.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A mortgage payment calculator can help turn a home price into something more useful: an estimated monthly payment. That makes it valuable before you apply for a loan or make an offer. You can test different home prices, down payments, interest rates and loan terms to see how each one changes your housing cost. But the calculator is only as useful as the information you enter. If you calculate principal and interest while ignoring property taxes, insurance or mortgage insurance, you can substantially underestimate what owning the home could cost each month. Key Takeaways A useful mortgage estimate includes more [&hellip;]<\/p>\n","protected":false},"author":31,"featured_media":49431,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[63],"tags":[136,49,176,202,204,182,88,198,178],"class_list":["post-49428","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-affordability","tag-buying-a-home","tag-down-payment","tag-income-to-debt-ratio","tag-loan-principle","tag-mortgage-calculator","tag-mortgage-terms","tag-prequalification","tag-preapproval","post--single"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Use a Mortgage Payment Calculator<\/title>\n<meta name=\"description\" content=\"Learn how to use a mortgage payment calculator to estimate principal, interest, taxes, insurance, PMI and your total monthly housing payment.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Use a Mortgage Payment Calculator\" \/>\n<meta property=\"og:description\" content=\"Learn how to use a mortgage payment calculator to estimate principal, interest, taxes, insurance, PMI and your total monthly housing payment.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/\" \/>\n<meta property=\"og:site_name\" content=\"Movoto Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MovotoRealEstate\/\" \/>\n<meta property=\"article:published_time\" content=\"2021-03-23T17:00:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-24T20:43:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.movoto.com\/blog\/wp-content\/uploads\/2021\/03\/blog-how-to-use-mortgage-calculator.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bennett Leckrone\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@movoto\" \/>\n<meta name=\"twitter:site\" content=\"@movoto\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bennett Leckrone\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/how-to-use-a-mortgage-payment-calculator\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/how-to-use-a-mortgage-payment-calculator\\\/\"},\"author\":{\"name\":\"Bennett Leckrone\",\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/#\\\/schema\\\/person\\\/c92ee664e9bb86d3847d2eff9894114f\"},\"headline\":\"How to Use a Mortgage Payment Calculator\",\"datePublished\":\"2021-03-23T17:00:42+00:00\",\"dateModified\":\"2026-09-24T20:43:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/how-to-use-a-mortgage-payment-calculator\\\/\"},\"wordCount\":3125,\"publisher\":{\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/how-to-use-a-mortgage-payment-calculator\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/blog-how-to-use-mortgage-calculator.jpg\",\"keywords\":[\"Affordability\",\"Buying a Home\",\"Down Payment\",\"Income to Debt Ratio\",\"Loan Principle\",\"Mortgage Calculator\",\"Mortgage Terms\",\"Pre-Qualification\",\"Preapproval\"],\"articleSection\":[\"Finance Tips\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/how-to-use-a-mortgage-payment-calculator\\\/\",\"url\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/how-to-use-a-mortgage-payment-calculator\\\/\",\"name\":\"How to Use a Mortgage Payment Calculator\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/how-to-use-a-mortgage-payment-calculator\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/how-to-use-a-mortgage-payment-calculator\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/blog-how-to-use-mortgage-calculator.jpg\",\"datePublished\":\"2021-03-23T17:00:42+00:00\",\"dateModified\":\"2026-09-24T20:43:02+00:00\",\"description\":\"Learn how to use a mortgage payment calculator to estimate principal, interest, taxes, insurance, PMI and your total monthly housing payment.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/how-to-use-a-mortgage-payment-calculator\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.movoto.com\\\/blog\\\/how-to-use-a-mortgage-payment-calculator\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/how-to-use-a-mortgage-payment-calculator\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/blog-how-to-use-mortgage-calculator.jpg\",\"contentUrl\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/03\\\/blog-how-to-use-mortgage-calculator.jpg\",\"width\":600,\"height\":300,\"caption\":\"mortgage payment calculator mortgage calculator\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/how-to-use-a-mortgage-payment-calculator\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How to Use a Mortgage Payment Calculator\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/\",\"name\":\"Movoto Blog\",\"description\":\"Jump-start your real estate journey with expert guidance\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/#organization\",\"name\":\"Movoto by OJO\",\"url\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/movoto.kinsta.cloud\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/movoto-by-ojo-blog.png\",\"contentUrl\":\"https:\\\/\\\/movoto.kinsta.cloud\\\/wp-content\\\/uploads\\\/2022\\\/04\\\/movoto-by-ojo-blog.png\",\"width\":220,\"height\":100,\"caption\":\"Movoto by OJO\"},\"image\":{\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/MovotoRealEstate\\\/\",\"https:\\\/\\\/x.com\\\/movoto\",\"https:\\\/\\\/www.instagram.com\\\/movotorealestate\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/movoto\",\"https:\\\/\\\/www.pinterest.com\\\/movoto\\\/\",\"https:\\\/\\\/www.youtube.com\\\/user\\\/movotorealestate\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/#\\\/schema\\\/person\\\/c92ee664e9bb86d3847d2eff9894114f\",\"name\":\"Bennett Leckrone\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/410350193c62f3a68d05d80be1ec02133671a8e10c56c83fa34233747a50b750?s=96&d=monsterid&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/410350193c62f3a68d05d80be1ec02133671a8e10c56c83fa34233747a50b750?s=96&d=monsterid&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/410350193c62f3a68d05d80be1ec02133671a8e10c56c83fa34233747a50b750?s=96&d=monsterid&r=g\",\"caption\":\"Bennett Leckrone\"},\"description\":\"Bennett Leckrone is the editorial manager and an analyst for Lower. He specializes in making complicated mortgage topics accessible for consumers. That includes both in-depth product guides and analysis on what economic moves mean for homebuyers and refinancers. He is also a licensed loan officer in Ohio, NMLS ID 2782574. He was previously a business reporter with a focus on higher education and fintech at BestColleges. In that role, he reported on the development of fintech and AI curriculum, as well as the rapidly changing nature of finance education. He also wrote guides to help business students navigate AI and online education. He also reported on state politics at Maryland Matters, with a focus on how policy affected people and businesses. He holds a bachelor of science in journalism degree from Ohio University.\",\"url\":\"https:\\\/\\\/www.movoto.com\\\/blog\\\/author\\\/bleckrone\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How to Use a Mortgage Payment Calculator","description":"Learn how to use a mortgage payment calculator to estimate principal, interest, taxes, insurance, PMI and your total monthly housing payment.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/","og_locale":"en_US","og_type":"article","og_title":"How to Use a Mortgage Payment Calculator","og_description":"Learn how to use a mortgage payment calculator to estimate principal, interest, taxes, insurance, PMI and your total monthly housing payment.","og_url":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/","og_site_name":"Movoto Blog","article_publisher":"https:\/\/www.facebook.com\/MovotoRealEstate\/","article_published_time":"2021-03-23T17:00:42+00:00","article_modified_time":"2026-09-24T20:43:02+00:00","og_image":[{"width":600,"height":300,"url":"https:\/\/www.movoto.com\/blog\/wp-content\/uploads\/2021\/03\/blog-how-to-use-mortgage-calculator.jpg","type":"image\/jpeg"}],"author":"Bennett Leckrone","twitter_card":"summary_large_image","twitter_creator":"@movoto","twitter_site":"@movoto","twitter_misc":{"Written by":"Bennett Leckrone","Est. reading time":"14 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/#article","isPartOf":{"@id":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/"},"author":{"name":"Bennett Leckrone","@id":"https:\/\/www.movoto.com\/blog\/#\/schema\/person\/c92ee664e9bb86d3847d2eff9894114f"},"headline":"How to Use a Mortgage Payment Calculator","datePublished":"2021-03-23T17:00:42+00:00","dateModified":"2026-09-24T20:43:02+00:00","mainEntityOfPage":{"@id":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/"},"wordCount":3125,"publisher":{"@id":"https:\/\/www.movoto.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/#primaryimage"},"thumbnailUrl":"https:\/\/www.movoto.com\/blog\/wp-content\/uploads\/2021\/03\/blog-how-to-use-mortgage-calculator.jpg","keywords":["Affordability","Buying a Home","Down Payment","Income to Debt Ratio","Loan Principle","Mortgage Calculator","Mortgage Terms","Pre-Qualification","Preapproval"],"articleSection":["Finance Tips"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/","url":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/","name":"How to Use a Mortgage Payment Calculator","isPartOf":{"@id":"https:\/\/www.movoto.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/#primaryimage"},"image":{"@id":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/#primaryimage"},"thumbnailUrl":"https:\/\/www.movoto.com\/blog\/wp-content\/uploads\/2021\/03\/blog-how-to-use-mortgage-calculator.jpg","datePublished":"2021-03-23T17:00:42+00:00","dateModified":"2026-09-24T20:43:02+00:00","description":"Learn how to use a mortgage payment calculator to estimate principal, interest, taxes, insurance, PMI and your total monthly housing payment.","breadcrumb":{"@id":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/#primaryimage","url":"https:\/\/www.movoto.com\/blog\/wp-content\/uploads\/2021\/03\/blog-how-to-use-mortgage-calculator.jpg","contentUrl":"https:\/\/www.movoto.com\/blog\/wp-content\/uploads\/2021\/03\/blog-how-to-use-mortgage-calculator.jpg","width":600,"height":300,"caption":"mortgage payment calculator mortgage calculator"},{"@type":"BreadcrumbList","@id":"https:\/\/www.movoto.com\/blog\/how-to-use-a-mortgage-payment-calculator\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.movoto.com\/blog\/"},{"@type":"ListItem","position":2,"name":"How to Use a Mortgage Payment Calculator"}]},{"@type":"WebSite","@id":"https:\/\/www.movoto.com\/blog\/#website","url":"https:\/\/www.movoto.com\/blog\/","name":"Movoto Blog","description":"Jump-start your real estate journey with expert guidance","publisher":{"@id":"https:\/\/www.movoto.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.movoto.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.movoto.com\/blog\/#organization","name":"Movoto by OJO","url":"https:\/\/www.movoto.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.movoto.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/movoto.kinsta.cloud\/wp-content\/uploads\/2022\/04\/movoto-by-ojo-blog.png","contentUrl":"https:\/\/movoto.kinsta.cloud\/wp-content\/uploads\/2022\/04\/movoto-by-ojo-blog.png","width":220,"height":100,"caption":"Movoto by OJO"},"image":{"@id":"https:\/\/www.movoto.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/MovotoRealEstate\/","https:\/\/x.com\/movoto","https:\/\/www.instagram.com\/movotorealestate\/","https:\/\/www.linkedin.com\/company\/movoto","https:\/\/www.pinterest.com\/movoto\/","https:\/\/www.youtube.com\/user\/movotorealestate"]},{"@type":"Person","@id":"https:\/\/www.movoto.com\/blog\/#\/schema\/person\/c92ee664e9bb86d3847d2eff9894114f","name":"Bennett Leckrone","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/410350193c62f3a68d05d80be1ec02133671a8e10c56c83fa34233747a50b750?s=96&d=monsterid&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/410350193c62f3a68d05d80be1ec02133671a8e10c56c83fa34233747a50b750?s=96&d=monsterid&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/410350193c62f3a68d05d80be1ec02133671a8e10c56c83fa34233747a50b750?s=96&d=monsterid&r=g","caption":"Bennett Leckrone"},"description":"Bennett Leckrone is the editorial manager and an analyst for Lower. He specializes in making complicated mortgage topics accessible for consumers. That includes both in-depth product guides and analysis on what economic moves mean for homebuyers and refinancers. He is also a licensed loan officer in Ohio, NMLS ID 2782574. He was previously a business reporter with a focus on higher education and fintech at BestColleges. In that role, he reported on the development of fintech and AI curriculum, as well as the rapidly changing nature of finance education. He also wrote guides to help business students navigate AI and online education. He also reported on state politics at Maryland Matters, with a focus on how policy affected people and businesses. He holds a bachelor of science in journalism degree from Ohio University.","url":"https:\/\/www.movoto.com\/blog\/author\/bleckrone\/"}]}},"featured_media_src_url":"https:\/\/www.movoto.com\/blog\/wp-content\/uploads\/2021\/03\/blog-how-to-use-mortgage-calculator.jpg","_links":{"self":[{"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/posts\/49428","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/users\/31"}],"replies":[{"embeddable":true,"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/comments?post=49428"}],"version-history":[{"count":3,"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/posts\/49428\/revisions"}],"predecessor-version":[{"id":55495,"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/posts\/49428\/revisions\/55495"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/media\/49431"}],"wp:attachment":[{"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/media?parent=49428"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/categories?post=49428"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/tags?post=49428"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}