St. James Mortgage Online offers you these FREE loan payment calculators to help determine your estimated monthly mortgage payment based on the variables you enter below. Choose between a Fixed Rate, Balloon Payment or Interest Only loan calculator by selecting from the list to your left.     Adjustable Rate Mortgage Calculator   Currency $ € £ ¥ ₪   Purchase price   Down payment amount %  $   Points   %   Insurance/year %  $   PMI/year %  $   Start date   Number of months: months  years    Beginning interest rate %   Rate cap (Life rate cap) %   Maximum amount the rate will increase at the first interval %   Maximum amount the rate will increase at each subsequent interval %   Number of months before the first rate increase   Number of months between subsequent rate increases     Financial Details   Purchase price: $ 100,000.00     Down Payment: $ 0.00     Points: $ 1,000.00     Loan Amount $ 99,000.00     Initial Interest Rate 6.9%     Interest compounding Monthly       Total amount financed $ 99,000.00     Payment amount $ 783.49     Monthly Insurance $ 83.33     Monthly PMI $ 41.25     Nb. of months with PMI 169     Total Interest $ 179,503.05     Total Insurance $ 29,998.80     Total PMI charge $ 6,971.25     Total finance charge $ 216,473.10   A minimum down payment of 5% of the purchase amount is required. For adjustable rate mortgages, the APR is subject to increase after the initial fixed-rate period. Rates and terms area subject to change without notice. Interest rates assume credit history in good standing. Additional fees and closing costs apply. Other restrictions may apply. The estimated monthly payments featured here do not include property taxes, homeowner's insurance, private mortgage insurance, homeowner association dues or other potential costs. Representative example for loan terms: A 15-year fixed mortgage loan of $200,000 at 7.5% APR would have 180 monthly payments of $1,854.00 each Note: these figures may not be exact due to rounding, but should give you a very good idea of what you can afford.