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वित्त

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.

टूल सारांश

यह टूल संरचित इनपुट लेता है और सर्वर अपलोड के बिना ब्राउज़र में नियतात्मक आउटपुट देता है।

टूल का नाम
Mortgage Calculator
इनपुट उद्देश्य
बदलने, सत्यापित करने या विश्लेषण करने के लिए स्रोत सामग्री प्रदान करें।
आउटपुट उद्देश्य
कॉपी, पुन: उपयोग या डीबगिंग के लिए सामान्यीकृत आउटपुट प्राप्त करें।
उदाहरण इनपुट
$400,000 home · 20% down · 6.5% · 30 years · $4,800 tax · $1,200 ins · $0 HOA
उदाहरण आउटपुट
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%)

टूल परिचय

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.

टूल अवलोकन

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.

उपयोग के मामले

  • 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

इनपुट/आउटपुट उदाहरण

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

अक्सर पूछे जाने वाले प्रश्न

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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