🇺🇸 Free US Mortgage Tool
Advanced Mortgage Rate
Calculator
Calculate your monthly payment with taxes, insurance & PMI — plus full amortization schedule. Built for US home buyers.
30-Yr
Max Term
PITI
Full Breakdown
PMI
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Loan Details
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$50K$2M
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$0$400K
20.0% down — No PMI required ✅
%
2%18%
PITI — Monthly Costs
$
US avg ~1.1% of home value/year
$
US avg ~$1,200/year
$
Enter 0 if not applicable
%
PMI not required (≥20% down) ✅
Total Monthly (PITI)
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Principal & Interest
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Total Interest Paid
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Loan Amount
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Principal & Interest
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Property Tax
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Home Insurance
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PMI
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Payment Breakdown
P&I: —
Tax: —
Insurance: —
PMI: —
📅 Amortization Schedule
| Year | Annual Payment | Principal | Interest | Balance |
|---|
PITI Calculator
Full US mortgage breakdown including Principal, Interest, Taxes, Insurance and PMI — just like your lender calculates.
Amortization Table
See exactly how much goes to principal vs interest each year over the life of your loan — year by year breakdown.
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All calculations run locally in your browser. No data is collected, stored, or shared. Your numbers stay yours.
Results are estimates based on your inputs and may differ from actual lender quotes. PMI rates, taxes, and insurance vary by location and lender. This tool is for educational purposes only and does not constitute financial or mortgage advice. Always consult a licensed mortgage professional before making financial decisions. | MortgageRatesCalc.online