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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

यो टूलले संरचित इनपुट लिन्छ र सर्भर अपलोड बिना ब्राउजरमै निर्धारित आउटपुट दिन्छ।

टूलको नाम
Mortgage Calculator
इनपुट उद्देश्य
बदल्न, प्रमाणीकरण गर्न वा विश्लेषण गर्न स्रोत सामग्री प्रदान गर्नुहोस्।
आउटपुट उद्देश्य
कपी, पुन: प्रयोग वा डिबगिङका लागि उपयुक्त सामान्यीकृत आउटपुट प्राप्त गर्नुहोस्।
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.

प्रयोगका केसहरू

  • 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 सोधिने प्रश्नहरू

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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