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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.

Tóm tắt công cụ

Công cụ này nhận đầu vào có cấu trúc và trả về đầu ra xác định ngay trong trình duyệt, không tải lên máy chủ.

Tên công cụ: Mortgage Calculator
Mục đích đầu vào: Cung cấp nội dung nguồn để biến đổi, xác thực hoặc phân tích.
Mục đích đầu ra: Nhận đầu ra chuẩn hóa thuận tiện để sao chép, tái sử dụng hoặc gỡ lỗi.
Đầu vào ví dụ: $400,000 home · 20% down · 6.5% · 30 years · $4,800 tax · $1,200 ins · $0 HOA
Đầu ra ví dụ: 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%)

Giới thiệu công cụ

Tổng quan công cụ

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.

Trường hợp sử dụng

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

Ví dụ đầu vào/đầu ra

Mục đích đầu vào

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

Mục đích đầu ra

PITI ≈ $2,522/mo · P&I ≈ $2,022/mo

Mục đích đầu vào

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

Mục đích đầu ra

PMI warning shown (LTV 90%)

Câu hỏi thường gặp

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.