Finance

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.

Riepilogo dello strumento

Questo strumento accetta input strutturati e restituisce output deterministici nel browser, senza upload al server.

Nome dello strumento: Mortgage Calculator
Intento dell'input: Fornisci il contenuto di origine da trasformare, validare o analizzare.
Intento dell'output: Ricevi un output normalizzato adatto a copia, riutilizzo o debug.
Esempio di input: $400,000 home · 20% down · 6.5% · 30 years · $4,800 tax · $1,200 ins · $0 HOA
Esempio di output: PITI ≈ $2,522/mo · P&I ≈ $2,022/mo

Home price

CurrencyDown payment

Annual interest rate (%)Term (years)Annual property tax

Annual home insurance

Monthly HOA dues

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%)

Introduzione allo strumento

Panoramica dello strumento

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.

Casi d'uso

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

Esempi di input/output

Intento dell'input

$400,000 home · 20% down · 6.5% · 30 years · $4,800 tax · $1,200 ins · $0 HOA

Intento dell'output

PITI ≈ $2,522/mo · P&I ≈ $2,022/mo

Intento dell'input

$400,000 home · 10% down · 6.5% · 30 years

Intento dell'output

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.