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Mortgage Calculator

Estimate your full monthly home payment — principal, interest, property tax, home insurance, and HOA — plus loan-to-value ratio and a heads-up when your down payment would trigger mortgage insurance in the US.

Tool-Zusammenfassung

Dieses Tool nimmt strukturierte Eingaben entgegen und liefert deterministische Ausgaben im Browser, ohne Server-Upload.

Tool-Name
Mortgage Calculator
Eingabe-Intention
Liefere Quellinhalte zum Umwandeln, Validieren oder Analysieren.
Ausgabe-Intention
Erhalte normalisierte Ausgabe, geeignet zum Kopieren, Wiederverwenden oder Debuggen.
Beispiel-Eingabe
$400,000 home · 20% down · 6.5% · 30 years · $4,800 tax · $1,200 ins · $0 HOA
Beispiel-Ausgabe
PITI ≈ $2,522/mo · P&I ≈ $2,022/mo
Monthly (PITI + HOA)
$2,522.62
Principal & interest
$2,022.62
Loan amount
$320,000.00
Taxes
$400.00/mo
Insurance
$100.00/mo
HOA
$0.00/mo
Down payment
$80,000.00 (20.0%)

Tool-Einführung

Estimate your full monthly home payment — principal, interest, property tax, home insurance, and HOA — plus loan-to-value ratio and a heads-up when your down payment would trigger mortgage insurance in the US.

Tool-Überblick

Your true monthly housing cost is more than the amortized loan payment. Lenders usually bundle property tax and hazard insurance into escrow (the "T" and "I" in PITI), and many homes add HOA dues on top. This calculator combines all four figures and also shows your down-payment percentage, loan-to-value, and a private-mortgage-insurance warning for US buyers with less than 20% down. All inputs are local to the browser.

Anwendungsfälle

  • Compare 15-year vs 30-year mortgages on the same home
  • Check whether a bigger down payment brings the payment under your budget
  • Estimate buying power before talking to a lender
  • See the impact of taxes and HOA on your total monthly cost

Eingabe/Ausgabe-Beispiele

Eingabe-Intention
$400,000 home · 20% down · 6.5% · 30 years · $4,800 tax · $1,200 ins · $0 HOA
Ausgabe-Intention
PITI ≈ $2,522/mo · P&I ≈ $2,022/mo
Eingabe-Intention
$400,000 home · 10% down · 6.5% · 30 years
Ausgabe-Intention
PMI warning shown (LTV 90%)

FAQ

What is PITI?+
Principal, Interest, Taxes, and Insurance — the four components of a typical US escrowed mortgage payment. PITI + HOA is usually what your lender and budgeting tools care about.
Does it calculate PMI?+
Not directly. PMI rates depend on lender, credit score, and loan program. We flag when your down payment is below 20%, which is the usual trigger for PMI on conforming US mortgages.
What about ARM or interest-only mortgages?+
The tool models a conventional fixed-rate, fully-amortizing loan. Adjustable-rate mortgages have rate changes; interest-only mortgages defer principal — neither is represented here.
Can I use this outside the US?+
Yes — the math works for any fixed-rate mortgage. Some local concepts (PMI in particular) are US-specific, so treat that warning as optional information.

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