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Quick Response Home Mortgages with your Personal Representative Carolyn Hermsen This calculator calculates U.S. and Canadian monthly mortgage payments based on principal, interest and term. U.S. mortgages are compounded monthly while Canadian mortgages are compounded semi-annually. Note: All fields need a digit. Amortization(Years) = Term (Years) = Yearly Interest Rate (%) = Principal/Purchase Price ($) = Downpayment (%) = Downpayment Required ($) = Mortgage Principal ($) = Monthly Payment ($) = Still Owing at End of Term ($) = Add your monthly insurance and tax payment to the above total to arrive at monthly cost.