District of Columbia mortgage calculator

30-year fixed mortgage calculator with District of Columbia-specific defaults. Median home price $645,000 · property tax effective rate 0.57%. All inputs update live; share your scenario as a URL.

Median home price reconciled 2026-04-22. Source: Zillow Home Value Index, state-level.

Your loan

Home price

$100k$2M

Down payment$129,000

Interest rate30-yr avg: 6.875%

Loan term

Taxes & insurance

(optional, but realistic)

State

District of Columbia

State pre-set for this page. Switch state

Property tax rate

~$306 per month

Homeowner insurance

HOA dues (if any)

PMI required. With 20% down (LTV 80.0%), private mortgage insurance is added at 0.50% of the loan annually — that's $215/month. PMI auto-removes at month 28 (78% LTV, per the Homeowners Protection Act).

Extra payments

(optional — accelerate payoff)

Biweekly paymentsPay half the monthly amount every two weeks (26 half-payments per year ≈ 13 monthly equivalents). Typically saves 4-7 years and tens of thousands in interest on a 30-year loan.

Extra each month

Applied as additional principal every month.

One-time lump sum

Single payment toward principal at the specified month (e.g. tax refund or bonus).

Estimated monthly payment

For a $645,000 home, 20% down, 6.875% APR, 30-year fixed in District of Columbia.

Where your payment goes

Principal & interest$3,390

Property tax$306

Homeowner insurance$145

PMI$215

Loan amount

$516,000

Total interest

$704,311

Total paid

$1,220,311

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How your balance falls over time

The crossover point — where more of each payment goes to principal than interest — is at year 20.

BalanceInterest paidPrincipal paid

Amortization schedule

Year-by-year breakdown of every payment.

Period	Payment	Principal	Interest	Total interest paid	Balance
Y01Year 1	$40,677	$5,369	$35,308	$35,308	$510,631
Y02Year 2	$40,677	$5,750	$34,927	$70,235	$504,881
Y03Year 3	$40,677	$6,158	$34,519	$104,754	$498,723
Y04Year 4	$40,677	$6,595	$34,082	$138,836	$492,128
Y05Year 5	$40,677	$7,063	$33,614	$172,450	$485,064
Y06Year 6	$40,677	$7,564	$33,113	$205,562	$477,500
Y07Year 7	$40,677	$8,101	$32,576	$238,138	$469,399
Y08Year 8	$40,677	$8,676	$32,001	$270,140	$460,723
Y09Year 9	$40,677	$9,291	$31,386	$301,525	$451,432
Y10Year 10	$40,677	$9,951	$30,726	$332,252	$441,481
Y11Year 11	$40,677	$10,657	$30,020	$362,272	$430,824
Y12Year 12	$40,677	$11,413	$29,264	$391,536	$419,411
Y13Year 13	$40,677	$12,223	$28,454	$419,990	$407,188
Y14Year 14	$40,677	$13,090	$27,587	$447,577	$394,098
Y15Year 15	$40,677	$14,019	$26,658	$474,235	$380,079
Y16Year 16	$40,677	$15,014	$25,663	$499,898	$365,065
Y17Year 17	$40,677	$16,079	$24,598	$524,496	$348,986
Y18Year 18	$40,677	$17,220	$23,457	$547,953	$331,766
Y19Year 19	$40,677	$18,442	$22,235	$570,188	$313,324
Y20Year 20	$40,677	$19,751	$20,926	$591,114	$293,573
Y21Year 21	$40,677	$21,152	$19,525	$610,639	$272,421
Y22Year 22	$40,677	$22,653	$18,024	$628,663	$249,768
Y23Year 23	$40,677	$24,260	$16,417	$645,079	$225,508
Y24Year 24	$40,677	$25,982	$14,695	$659,775	$199,526
Y25Year 25	$40,677	$27,826	$12,851	$672,626	$171,700
Y26Year 26	$40,677	$29,800	$10,877	$683,503	$141,900
Y27Year 27	$40,677	$31,915	$8,762	$692,265	$109,986
Y28Year 28	$40,677	$34,179	$6,498	$698,763	$75,806
Y29Year 29	$40,677	$36,604	$4,073	$702,836	$39,202
Y30Year 30	$40,677	$39,202	$1,475	$704,311	$0

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District of Columbia context

Recordation tax + transfer tax total ~2.9% of price at closing — material to closing cost estimates.

District of Columbia — related

District of Columbia income tax

Top marginal 10.75% · 7 brackets

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Compare scenarios

Up to three mortgage scenarios side-by-side with a differential row.

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National 30-year fixed

Same calculator with cross-state defaults; manually pick any state.

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Last updated 2026-05-13