UtilitySansar
すべてのツール
カテゴリ
DeveloperMathTextDesignEncodingSecurityMarketingDataFinanceCloud
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.

ツール要約

このツールは構造化された入力を受け取り、サーバーへアップロードせずにブラウザで決定的な出力を返します。

ツール名
Mortgage Calculator
入力の目的
変換・検証・分析するソースコンテンツを入力してください。
出力の目的
コピー・再利用・デバッグに適した正規化された出力を受け取ります。
入力例
$400,000 home · 20% down · 6.5% · 30 years · $4,800 tax · $1,200 ins · $0 HOA
出力例
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%)

ツールの紹介

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.

ツール概要

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.

ユースケース

  • 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

入力／出力の例

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

よくある質問

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.

Share this tool

他のツールを見る

下記の Finance カテゴリで関連ユーティリティを探す。

Finance をすべて見る

関連ツール

役に立ちそうな厳選ユーティリティ