Free · No signup · USA · UK · Worldwide · Updated 2026-09-04

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

  1. Enter home price, down payment %, rate, and term.
  2. Optionally add yearly tax, insurance, and monthly HOA.
  3. 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.

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