US Mortgage Calculator
🔒 Runs in your browser — 100% private
Calculate your US mortgage payment online for free — principal, interest, taxes and insurance (PITI) from your home price, down payment, rate and term. Runs entirely in your browser — nothing you enter is uploaded.
Shows full PITI (Principal, Interest, Taxes, Insurance) plus PMI if you enter it. PMI is typically required when your down payment is under 20% — its rate depends on your lender and credit profile, so enter your lender's actual quote rather than a guess (leave at 0 if you don't have one yet or your down payment is 20%+).
How to use us mortgage calculator
- Enter the home price and down payment
What you're paying and how much you're putting down.
- Enter the rate, term, taxes and insurance
Your loan's interest rate and term, plus estimated annual property tax and home insurance.
- Calculate
See your estimated total monthly payment (PITI).
Formula & methodology
PITI = Principal & Interest (standard amortizing loan formula on price − down payment) + (home price × property tax % ÷ 12) + (annual insurance ÷ 12) + PMI, if entered.
Example: $400,000 home, $80,000 down (20%), 6.5% APR, 30-year term, 1.1% property tax, $1,500/year insurance — $2,023 P&I + $367 tax + $125 insurance ≈ $2,514/month PITI (no PMI needed at 20% down).
Features
Rates and thresholds are inputs you can change, not hidden constants.
Calculates locally with no sign-up or server request.
Your financial details are never uploaded.
Supported formats and limitations
Text and structured input supported by this tool.
Use cases include personal workflows, content preparation, and quick checks. Review output before relying on it for legal, financial, accessibility, or production decisions.
Frequently asked questions
What is PITI?
Principal, Interest, Taxes and Insurance — the four components that typically make up a US mortgage payment, all included in this estimate.
Why isn't PMI included?
Private Mortgage Insurance is usually required when your down payment is under 20%, but its rate depends on your lender, credit score and loan type — add your lender's actual PMI quote to this estimate separately.