🇺🇸 HOME LOANS · UNITED STATES

United States Mortgage & Amortization Calculator

See the full monthly cost—not just principal and interest.

Free to useNo sign-upPrivate by design

Enter your numbers

✎

Home price

Down payment

Mortgage rate

Loan term

years

◇ Your values stay in this browser.

Compare the numbers that matter

Principal & interest

$2,574

02 · KEY VIEW

Property tax

$695

Insurance

$927

Total interest

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Plain-English guidance

Everything needed to review the estimate before making a decision.

PITI explained

Learn what this number means and how it is calculated.

Read guide →

Amortization

See the assumptions that have the greatest effect.

Read guide →

PMI

Compare a realistic low, middle and high scenario.

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Closing costs

Know what to verify before you take the next step.

Read guide →

A transparent estimate, built for comparison

This mockup keeps the approved BMI structure: focused inputs on the left, a visual result on the right, then comparison cards and education below. Final formulas and official US sources will be verified before publication.

Editorial checklist

✓ Formula and edge cases tested

✓ Primary government sources cited

✓ Assumptions shown beside the result

✓ Review date visible on the page

Official-source readyDesigned for IRS, SSA, CFPB, CDC and other primary references.

Privacy firstInputs remain on your device unless you choose to share.

Mockup statusVisual and interaction concept—formula validation still required.