Free browser tool
Mortgage Calculator USA
Estimate mortgage payments from home price, down payment, rate, and term.
!
This calculator is for estimates only. Actual mortgage terms, taxes, insurance, and lender rules can change your payment.
Calculator
Results update as you type
Monthly payment
$2,430.75
Total interest
$369,223.73
Payoff months
300
Principal
$360,000.00
Example
A $450,000.00 home with $90,000.00 down at 6.5% over 25 years gives a payment near $2,430.75.
Formula
The math behind the result
Principal = home price - down payment. Monthly payment follows the same amortization structure as a standard loan.
How it works
A clean flow from input to answer
- 1Enter the home price and down payment.
- 2Set the interest rate and term in years.
- 3Review monthly payment and total interest instantly.
FAQ
Common questions
Does this include property tax?
No. It focuses on the loan payment itself.
Can I use it for refinance planning?
Yes. It works as a fast estimate for a mortgage balance.
Does it store my inputs?
No. Everything stays in the browser.
Is extra principal supported?
This first version is a clean baseline without extra principal inputs.
Is it mobile friendly?
Yes. The layout is responsive.