This calculator will help you estimate what your total monthly mortgage payment will be. If you don't know what your property taxes will be, you can contact the city clerk's office in the community in which you are home shopping to find out what the tax rate per $1000 of assessed value is, which will give you an estimate. Also, if you don't know how much the annual insurance will be, you can estimate by using .125% to .250% of the home's value (value x .00125 up to value x .00250) as an annual cost. Again, this calculator provides an estimate of your monthly payments. When you know all of the details about the home you want to buy, talk to your mortgage lender to get a precise monthly mortgage payment.