What is the best way to estimate a mortgage payment?

I’ve seen so many mortgage calculators but when I called a bank to get pre-approved the payments were way higher. I got pre approved but here’s the numbers: House is 299,000. Taxes are 5,900. Insurance 1300 a year. Mortgage rate is 5.25 for fixed 30 year. If i put down 15k I would expect a [...] http://bit.ly/rnNdj5