{"id":50466,"date":"2021-06-16T08:55:14","date_gmt":"2021-06-16T15:55:14","guid":{"rendered":"https:\/\/www.movoto.com\/blog\/?p=50466"},"modified":"2022-04-11T14:11:10","modified_gmt":"2022-04-11T21:11:10","slug":"how-is-your-mortgage-payment-calculated","status":"publish","type":"post","link":"https:\/\/www.movoto.com\/blog\/how-is-your-mortgage-payment-calculated\/","title":{"rendered":"How is your mortgage payment calculated?"},"content":{"rendered":"

How is Your Mortgage Payment Calculated?<\/h2>\n

If you\u2019re thinking about buying a home, getting preapproved for a mortgage is one of the first steps you\u2019ll likely take. In fact, 87% of buyers<\/a> took out a mortgage to finance their home purchases in 2020.
\nUnderstanding how a mortgage payment is calculated, however, is not only important from a budgeting perspective \u2014 but it can also help you shop for the best rates and terms for your situation.<\/p>\n

Breaking Down Your Mortgage Payment<\/h3>\n

A mortgage<\/a> is composed of four items: the principal, interest, taxes, and insurance. Collectively, these costs are referred to as PITI. These four elements are determined by internal and external conditions, such as your own credit score and the greater real estate market . Small changes can make a substantial difference to the final loan you\u2019re offered.
\nUnderstanding the individual components that make up your mortgage payment and how changes impact your loan can help you navigate your purchase.<\/p>\n

#1. The Principal<\/h3>\n

The principal is the mortgage\u2019s foundation. It is the amount of money you\u2019re borrowing to buy the home. If you’re planning on purchasing a home at 2021\u2019s average listing price of $329,100<\/a>, and you intend to put 10% down, your mortgage principal is $269,190 \u2014 the cost of your home minus the down payment.
\nYour payments will be applied mainly toward your interest at the start of your mortgage. However, as your loan matures, more of your payment will be applied to the principal.<\/p>\n

#2. Interest<\/h3>\n

Your lender charges interest on the money you borrow. This is one of the ways they manage risk \u2014 with the lowest rates only available to those with exceptional credit and a low debt-to-income ratio. Although mortgage rates are currently at all-time lows, the rate you are offered will be based on your specific financial situation.
\nBecause rates vary from lender to lender, borrowers need to shop their mortgage terms before purchasing a home.
\nYou may also be able to reduce your interest rate by purchasing mortgage points. Typically, one point costs 1% of your loan amount. The home buyer can purchase mortgage points \u2014 but they can also be worked into the deal and paid by the seller or even the lender. If you\u2019re not offered an interest rate that you like, talk to your lender to see if this option is available.<\/p>\n

#3. Taxes<\/h3>\n

In addition to your mortgage principal and interest, property taxes are collected from your monthly payment and are held in an escrow account. When your property taxes are due \u2014 the bill will be paid from your escrow account on your behalf.
\nThe amount of property tax you pay is determined by the tax rate set by your local government and the value of your home (including the land it sits on). Most home search websites show you the property taxes for each listing so you can have an idea of the cost before buying the home. You can also understand the property taxes by contacting your local tax commissioner\u2019s office.<\/p>\n

#4. Insurance<\/h3>\n

Referred to as PMI, private mortgage insurance is required on loans when less than 20% is put down. If you default on the loan, PMI covers the lender for that loss. Since the average down payment in 2020 was 6%<\/a>, most mortgages include PMI.
\nMortgage insurance payment amounts are based on the loan\u2019s principal and are included in every month\u2019s mortgage bill. For a conventional loan, PMI can range from 0.5% to 2% of the loan amount.
\nLenders also want to know that you have homeowner\u2019s insurance. As a result, most lenders bundle a homeowner\u2019s insurance policy into the monthly payment amount.
\nSimilar to property taxes, your lender will collect your insurance payments and hold them in an escrow account. When the bill is due, your lender will pay for your policy using the funds that have been set aside in your escrow account.<\/p>\n

How the Loan Term Impacts Your Payment<\/h3>\n

The loan\u2019s term<\/a> divides the lump sum of your mortgage into manageable monthly payments. Typically, loan repayment periods on a mortgage<\/a> are 15 years or 30 years. The mortgage term you choose will determine not only how long you\u2019re paying off your home, but also the total amount owed on your loan.
\nFor example, a $250,000 loan with a 4% interest rate over 30-years costs $429,677 with $179,677 in interest. The same loan with a 15-year term costs $332,866 with $82,866 accumulated interest. There are pros and cons to each option, so borrowers should make the decision that best fits their personal circumstances.<\/p>\n

Utilize a Mortgage Payment Calculator<\/h3>\n

A mortgage payment calculator<\/a> is a great tool if you are trying to learn more about how your monthly payment is calculated. By inputting a few variables \u2014 such as your principal, interest, taxes, and insurance \u2014 the calculator can help you determine what your monthly payment might be. Of course, it is always best to speak with your lender to understand the specifics of your particular situation.
\nFor more helpful mortgage tips, see what our real estate blog has to offer<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

How is Your Mortgage Payment Calculated? If you\u2019re thinking about buying a home, getting preapproved for a mortgage is one of the first steps you\u2019ll likely take. In fact, 87% of buyers took out a mortgage to finance their home purchases in 2020. Understanding how a mortgage payment is calculated, however, is not only important from a budgeting perspective \u2014 but it can also help you shop for the best rates and terms for your situation. Breaking Down Your Mortgage Payment A mortgage is composed of four items: the principal, interest, taxes, and insurance. Collectively, these costs are referred to […]<\/p>\n","protected":false},"author":3,"featured_media":50467,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[63],"tags":[80,49,111,179,182,85,86,88,192,191,159],"class_list":["post-50466","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-buyer-tips","tag-buying-a-home","tag-mortgage","tag-mortgage-application","tag-mortgage-calculator","tag-mortgage-loan","tag-mortgage-rates","tag-mortgage-terms","tag-private-mortgage-insurance","tag-property-taxes","tag-taxes","post--single"],"yoast_head":"\nHow is your mortgage payment calculated?<\/title>\n<meta name=\"description\" content=\"What are all the factors that contribute to your home loan? 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Here\u2019s an overview of how your mortgage payment is calculated.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.movoto.com\/blog\/how-is-your-mortgage-payment-calculated\/\" \/>\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=\"2021-06-16T15:55:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-04-11T21:11:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.movoto.com\/blog\/wp-content\/uploads\/2021\/06\/blog-mortgage-calculator-tips2.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=\"Movoto Editorial Team\" \/>\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=\"Movoto Editorial Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 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-is-your-mortgage-payment-calculated\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/how-is-your-mortgage-payment-calculated\/\"},\"author\":{\"name\":\"Movoto Editorial Team\",\"@id\":\"https:\/\/www.movoto.com\/blog\/#\/schema\/person\/06693b6bfbd6fec38952da620bd47c0e\"},\"headline\":\"How is your mortgage payment calculated?\",\"datePublished\":\"2021-06-16T15:55:14+00:00\",\"dateModified\":\"2022-04-11T21:11:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/how-is-your-mortgage-payment-calculated\/\"},\"wordCount\":838,\"publisher\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/how-is-your-mortgage-payment-calculated\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.movoto.com\/blog\/wp-content\/uploads\/2021\/06\/blog-mortgage-calculator-tips2.jpg\",\"keywords\":[\"Buyer Tips\",\"Buying a Home\",\"Mortgage\",\"Mortgage Application\",\"Mortgage Calculator\",\"Mortgage Loan\",\"Mortgage Rates\",\"Mortgage Terms\",\"Private Mortgage Insurance (PMI)\",\"Property Taxes\",\"Taxes\"],\"articleSection\":[\"Finance Tips\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.movoto.com\/blog\/how-is-your-mortgage-payment-calculated\/\",\"url\":\"https:\/\/www.movoto.com\/blog\/how-is-your-mortgage-payment-calculated\/\",\"name\":\"How is your mortgage payment calculated?\",\"isPartOf\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/how-is-your-mortgage-payment-calculated\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/how-is-your-mortgage-payment-calculated\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.movoto.com\/blog\/wp-content\/uploads\/2021\/06\/blog-mortgage-calculator-tips2.jpg\",\"datePublished\":\"2021-06-16T15:55:14+00:00\",\"dateModified\":\"2022-04-11T21:11:10+00:00\",\"description\":\"What are all the factors that contribute to your home loan? 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