Master your home financing with complete PITI calculation precision, dynamic early payoff strategies, side-by-side loan comparisons, and refinance break-even analytics. Engineered specifically for United States homebuyers and homeowners.
Adjust home price, down payment, interest rate, and fees to see your complete monthly PITI payment update in real time.
Everything you need to navigate home purchases, refinancing, and accelerated payoff strategies with institutional confidence.
Calculate exact monthly payments including Principal, Interest, Real Estate Taxes, Homeowners Hazard Insurance, PMI/MIP, and HOA assessments.
Simulate monthly extra payments, annual lump sums, or one-time prepayments. Watch your loan balance crumble and see your debt-free date arrive years early.
Inspect every single scheduled payment with complete annual summaries and monthly breakdowns showing exact principal reduction vs interest paid.
Evaluate two scenarios head-to-head. Compare 30-Year vs 15-Year Fixed loans, 5% vs 20% down payments, and discover the true lifetime borrowing difference.
Avoid being house-poor. Input your household income and recurring debt obligations to calculate your safe purchasing power using standard 28/36 DTI rules.
Verify whether refinancing is financially beneficial. Calculate the exact break-even timeline in months accounting for closing costs, rate changes, and terms.
Explore the sleek, native Swift interface engineered with ultra-thin glassmorphism, responsive spring animations, and instant haptic feedback.
Accurately project complete PITI payments with dynamic interactive donut breakdown and custom loan parameters.
Mortgage US is tailor-made for United States mortgage underwriting standards and guidelines.
| Loan Program | Min. Down Payment | Mortgage Insurance | PMI Cancellation | Best Suited For |
|---|---|---|---|---|
| Conventional Loan | 3% – 5% | Standard Private Mortgage Insurance (PMI) | Auto-cancels at 80% / 78% LTV | Good-to-excellent credit scores (620+) |
| FHA Financing | 3.5% | Upfront MIP (1.75%) + Annual MIP | Life of loan (or 11 yrs if ≥10% down) | First-time buyers with flexible credit |
| VA Military Loan | 0% Down | Zero Monthly PMI (One-time funding fee) | No monthly mortgage insurance | US Active Duty Military, Veterans & Spouses |
| USDA Rural Development | 0% Down | 1.0% Upfront Guarantee + 0.35% Annual | Maintained for loan duration | Eligible rural and suburban communities |
Unlike online web calculators that capture your personal income, phone number, and loan amount to sell as mortgage leads to aggressive telemarketers, Mortgage US operates with strict local-first privacy.
Read Full Privacy Policy →Got questions regarding mortgage calculations, loan types, or our privacy architecture? We have answers.
PITI stands for Principal, Interest, Taxes, and Insurance. Many simple mortgage calculators only compute Principal & Interest, which severely understates your true monthly obligation. Mortgage US accounts for all four components plus Private Mortgage Insurance (PMI) and HOA assessments to ensure you never face unexpected escrow shortages.
When you pay extra towards your mortgage principal, the balance against which future interest accrues decreases immediately. Mortgage US simulates day-by-day and month-by-month payment schedules, recalculating interest after every extra dollar is applied. You see the exact number of months saved and total six-figure interest reductions.
Under the federal Homeowners Protection Act (HPA), homeowners have the right to request PMI cancellation once their loan balance reaches 80% of the original property value. Lenders are legally required to automatically terminate PMI when the loan reaches 78% LTV. Mortgage US flags this exact milestone in your amortization schedule.
No. Absolutely not. Mortgage US operates on a strict local-first architecture. All your calculations, income parameters, and saved scenarios are held strictly within your device's sandboxed storage. We do not operate user accounts, databases, or lead-capture systems.
Mortgage US Calculator is an educational, analytical tool designed to empower consumers with transparent mathematics. We are not a mortgage lender or broker. Actual mortgage terms, interest rates, and loan approvals are determined by licensed lenders based on your comprehensive credit profile and property appraisal.
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