Free Mortgage Calculator in 2025 USA

Mortgage Calculator (USA)

Estimate your monthly house payment with PITI: Principal, Interest, Taxes & Insurance. Add PMI and HOA if needed.

Enter Details

Home Price (USD)

Total purchase price of the property.

Down Payment

%

Leave 0 if unsure. 20% removes typical PMI.

Loan Amount (auto)

Auto-calculated from price − down payment. You can override.

Interest Rate (APR)

%

Loan Term 30 years (360 months) 20 years (240 months) 15 years (180 months) 10 years (120 months)

Start Date

Used for the amortization schedule months.

Property Tax (annual)

% of price

Homeowners Insurance (annual USD)

PMI (annual)

% of loan

Often 0.3%–1.5% annually if down payment < 20%.

HOA Dues (monthly USD)

Your Monthly Payment

Total (PITI+)$0

Principal & Interest$0

Taxes & Insurance$0

PMI + HOA$0

Estimates only. Contact your lender for exact costs.

Amortization Schedule

Monthly breakdown of payment, interest, principal and remaining balance.

Month	Payment	Interest	Principal	Balance

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