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Mortgage Calculator
数学Calculate monthly mortgage payments, interest, and amortization.
ttb run mortgage-calculator
Estimated Monthly Payment
$1,916.96
Principal & Interest
$1,516.96
Property Tax
$300.00
Home Insurance
$100.00
Total Interest Paid
$306,106.77
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如何使用 Mortgage Calculator
Enter the home price, down payment, loan term (15 or 30 years), and interest rate. The calculator shows your monthly payment broken down into principal and interest, plus optional property tax, insurance, and PMI estimates. An amortization schedule shows how each payment splits over the life of the loan.
1
Enter your parameters
Configure the inputs for the Mortgage Calculator according to your specific needs.
2
View real-time results
The utility instantly processes your request and displays the calculated outputs directly in your browser.
3
Copy or Download
Click the copy icon next to the final output to instantly grab the result, or export it if applicable.
常见问题
How much house can I afford?+
The general guideline is that your total monthly housing payment (principal, interest, tax, insurance) shouldn't exceed 28% of your gross monthly income. This is known as the 28/36 rule - total debt payments shouldn't exceed 36% of income.
What is PMI?+
Private Mortgage Insurance (PMI) is required when your down payment is less than 20% of the home price. It typically costs 0.5-1% of the loan amount annually and protects the lender (not you) if you default. It's automatically removed once you reach 20% equity.