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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.

도구 요약

이 도구는 구조화된 입력을 받아 서버 업로드 없이 브라우저에서 결정적인 출력을 반환합니다.

도구 이름
Mortgage Calculator
입력 의도
변환·검증·분석할 원본 콘텐츠를 제공하세요.
출력 의도
복사, 재사용 또는 디버깅에 적합한 정규화된 출력을 받습니다.
예시 입력
$400,000 home · 20% down · 6.5% · 30 years · $4,800 tax · $1,200 ins · $0 HOA
예시 출력
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%)

도구 소개

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.

도구 개요

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.

사용 사례

  • 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

입력/출력 예시

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

자주 묻는 질문

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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