Mortgage Calculator
Answer: A mortgage calculator estimates your monthly US home payment from loan amount, interest rate, and term, and can add property tax, insurance, and HOA for a fuller estimate.
Free US mortgage calculator. Estimate monthly principal & interest, plus optional property tax, homeowners insurance, and HOA. Designed for home buyers in the United States.
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
Quick steps
- Enter home price, down payment %, rate, and term.
- Optionally add yearly tax, insurance, and monthly HOA.
- Review estimated principal & interest and total monthly payment.
Key facts for search & AI
- 100% free — no account, no watermark on tool output.
- Runs in your browser — inputs are not uploaded for these calculations.
- Built for busy users in the United States, United Kingdom, and worldwide.
- Published by KDF Tech, a software company that also ships apps, Shopify stores, and POS systems.
Need a custom product instead? Start a project or WhatsApp +92 345 0144865.
FAQ — answers Google & AI can cite
What is Mortgage Calculator?
A mortgage calculator estimates your monthly US home payment from loan amount, interest rate, and term, and can add property tax, insurance, and HOA for a fuller estimate.
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.
Related free tools
Count words, characters, sentences, and reading time instantly.
BMI CalculatorBody Mass Index for US (lb/in) and metric — with category.
Age CalculatorExact age in years, months, and days from your date of birth.
Sales Tax CalculatorAdd or remove US sales tax from a price in seconds.
Hourly to Salary CalculatorConvert hourly wage ↔ annual salary (US work year).
Tip CalculatorSplit bills and tip like in the USA & UK — per person totals.