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US mortgage calculators

Built around how US mortgages are quoted: a fixed monthly payment of principal and interest, plus property tax, homeowners insurance, private mortgage insurance and HOA dues. Every input is your own figure; nothing is filled in from market data.

This calculator produces an estimate from the figures you enter. It is not a loan offer, pre-approval or financial advice. Actual rates, taxes, insurance and eligibility come from lenders and local authorities.Full disclaimer

Terms used in these calculators

PITI
Principal, interest, taxes and insurance: the four parts of a typical monthly mortgage payment when taxes and insurance are paid through escrow.
PMI
Private mortgage insurance, usually required on conventional loans with less than 20% down. For conventional loans it generally ends automatically when the scheduled balance reaches 78% of the original value.
Down payment
The part of the price you pay upfront. Loan amount = price − down payment.
Debt-to-income (DTI)
Monthly debt payments divided by gross monthly income. Lenders use front-end (housing only) and back-end (all debts) ratios.
Amortization
Repaying a loan with level payments where each payment covers the month’s interest first and the rest reduces principal.
Points
Upfront fees, each equal to 1% of the loan amount, that some lenders charge to lower the interest rate.
HOA dues
Fees paid to a homeowners association for shared costs. They are not part of the loan but count toward housing costs.
Escrow
An account your servicer uses to collect a monthly share of property tax and insurance and pay those bills for you.