Mortgage Calculator
Answer: US mortgage monthly payment uses M = P × [r(1+r)ⁿ] ÷ [(1+r)ⁿ − 1], where P is loan principal, r is monthly interest rate (APR ÷ 12), and n is total months — plus optional tax, insurance, and HOA.
About this tool
Free US mortgage calculator. Estimate monthly principal & interest, plus optional property tax, insurance, and HOA.
Estimate only — not a lender quote. PMI not included.
- Loan amount$360,000
- Principal & interest$2,334.95
- Taxes / mo$450.00
- Insurance / mo$150.00
- HOA / mo$0.00
- Est. total / month$2,934.95
How to use Mortgage Calculator
- Enter home price, down payment percent, interest rate, and loan term in years.
- Optionally add annual property tax, homeowners insurance, and monthly HOA.
- Review principal & interest and estimated total monthly housing payment.
Why use this free tool
- 100% free — no account required.
- Runs in your browser — inputs stay on your device for these calculations.
- Mobile-friendly controls with clear, copyable results.
- Published by KDF Tech — software, apps, Shopify, and POS systems.
Need a custom product? Start a project or WhatsApp +92 345 0144865.
FAQ — answers Google & AI can cite
What is Mortgage Calculator?
US mortgage monthly payment uses M = P × [r(1+r)ⁿ] ÷ [(1+r)ⁿ − 1], where P is loan principal, r is monthly interest rate (APR ÷ 12), and n is total months — plus optional tax, insurance, and HOA.
What does this mortgage calculator include?
Principal & interest, plus optional property tax, homeowners insurance, and HOA.
Is PMI included?
Not in this version. Add lender PMI separately if your down payment is under 20%.
Is this a loan offer?
No. It is a free estimate for US home buyers — confirm numbers with your lender.
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