Sign inGet started

HOME LOANS · UNITED STATES

United States Mortgage & Amortization Calculator

See the full monthly cost—not just principal and interest.

Enter your numbers

✎
$
$
%
%
%
$
years
$
$
$
%
$
$

◇ Your values stay in this browser.

Review or recalculate this result online:
Verified for 2026Methodology 2026.1 · reviewed 2026-08-08 · review by 2026-12-01
Payment timeline

Amortization schedule

Updates instantly when you change an input.

MonthPaymentPrincipalInterestRemaining balance
1$2,149$307$1,842$339,693
2$2,149$309$1,840$339,384
3$2,149$311$1,838$339,073
4$2,149$312$1,837$338,761
5$2,149$314$1,835$338,446
6$2,149$316$1,833$338,131
7$2,149$317$1,832$337,813
8$2,149$319$1,830$337,494
9$2,149$321$1,828$337,173
10$2,149$323$1,826$336,850
11$2,149$324$1,825$336,526
12$2,149$326$1,823$336,200
13$2,149$328$1,821$335,872
14$2,149$330$1,819$335,542
15$2,149$332$1,818$335,211
16$2,149$333$1,816$334,877
17$2,149$335$1,814$334,542
18$2,149$337$1,812$334,205
19$2,149$339$1,810$333,866
20$2,149$341$1,808$333,526
21$2,149$342$1,807$333,183
22$2,149$344$1,805$332,839
23$2,149$346$1,803$332,493
24$2,149$348$1,801$332,145
25$2,149$350$1,799$331,795
26$2,149$352$1,797$331,443
27$2,149$354$1,795$331,090
28$2,149$356$1,793$330,734
29$2,149$358$1,791$330,376
30$2,149$359$1,790$330,017
31$2,149$361$1,788$329,655
32$2,149$363$1,786$329,292
33$2,149$365$1,784$328,927
34$2,149$367$1,782$328,559
35$2,149$369$1,780$328,190
36$2,149$371$1,778$327,819
37$2,149$373$1,776$327,445
38$2,149$375$1,774$327,070
39$2,149$377$1,772$326,693
40$2,149$379$1,770$326,313
41$2,149$382$1,768$325,932
42$2,149$384$1,765$325,548
43$2,149$386$1,763$325,162
44$2,149$388$1,761$324,775
45$2,149$390$1,759$324,385
46$2,149$392$1,757$323,993
47$2,149$394$1,755$323,599
48$2,149$396$1,753$323,203
49$2,149$398$1,751$322,804
50$2,149$401$1,749$322,404
51$2,149$403$1,746$322,001
52$2,149$405$1,744$321,596
53$2,149$407$1,742$321,189
54$2,149$409$1,740$320,780
55$2,149$411$1,738$320,368
56$2,149$414$1,735$319,955
57$2,149$416$1,733$319,539
58$2,149$418$1,731$319,121
59$2,149$420$1,729$318,700
60$2,149$423$1,726$318,277
61$2,149$425$1,724$317,852
62$2,149$427$1,722$317,425
63$2,149$430$1,719$316,995
64$2,149$432$1,717$316,563
65$2,149$434$1,715$316,129
66$2,149$437$1,712$315,692
67$2,149$439$1,710$315,253
68$2,149$441$1,708$314,812
69$2,149$444$1,705$314,368
70$2,149$446$1,703$313,922
71$2,149$449$1,700$313,473
72$2,149$451$1,698$313,022
73$2,149$453$1,696$312,569
74$2,149$456$1,693$312,113
75$2,149$458$1,691$311,654
76$2,149$461$1,688$311,193
77$2,149$463$1,686$310,730
78$2,149$466$1,683$310,264
79$2,149$468$1,681$309,796
80$2,149$471$1,678$309,325
81$2,149$474$1,676$308,851
82$2,149$476$1,673$308,375
83$2,149$479$1,670$307,896
84$2,149$481$1,668$307,415
85$2,149$484$1,665$306,931
86$2,149$486$1,663$306,445
87$2,149$489$1,660$305,956
88$2,149$492$1,657$305,464
89$2,149$494$1,655$304,970
90$2,149$497$1,652$304,472
91$2,149$500$1,649$303,973
92$2,149$503$1,647$303,470
93$2,149$505$1,644$302,965
94$2,149$508$1,641$302,457
95$2,149$511$1,638$301,946
96$2,149$513$1,636$301,433
97$2,149$516$1,633$300,916
98$2,149$519$1,630$300,397
99$2,149$522$1,627$299,875
100$2,149$525$1,624$299,351
101$2,149$528$1,621$298,823
102$2,149$530$1,619$298,293
103$2,149$533$1,616$297,760
104$2,149$536$1,613$297,223
105$2,149$539$1,610$296,684
106$2,149$542$1,607$296,142
107$2,149$545$1,604$295,597
108$2,149$548$1,601$295,050
109$2,149$551$1,598$294,499
110$2,149$554$1,595$293,945
111$2,149$557$1,592$293,388
112$2,149$560$1,589$292,828
113$2,149$563$1,586$292,265
114$2,149$566$1,583$291,699
115$2,149$569$1,580$291,130
116$2,149$572$1,577$290,558
117$2,149$575$1,574$289,983
118$2,149$578$1,571$289,405
119$2,149$581$1,568$288,823
120$2,149$585$1,564$288,239
121$2,149$588$1,561$287,651
122$2,149$591$1,558$287,060
123$2,149$594$1,555$286,466
124$2,149$597$1,552$285,869
125$2,149$601$1,548$285,268
126$2,149$604$1,545$284,664
127$2,149$607$1,542$284,057
128$2,149$610$1,539$283,447
129$2,149$614$1,535$282,833
130$2,149$617$1,532$282,216
131$2,149$620$1,529$281,596
132$2,149$624$1,525$280,972
133$2,149$627$1,522$280,345
134$2,149$630$1,519$279,714
135$2,149$634$1,515$279,081
136$2,149$637$1,512$278,443
137$2,149$641$1,508$277,802
138$2,149$644$1,505$277,158
139$2,149$648$1,501$276,510
140$2,149$651$1,498$275,859
141$2,149$655$1,494$275,204
142$2,149$658$1,491$274,546
143$2,149$662$1,487$273,884
144$2,149$665$1,484$273,219
145$2,149$669$1,480$272,549
146$2,149$673$1,476$271,877
147$2,149$676$1,473$271,200
148$2,149$680$1,469$270,520
149$2,149$684$1,465$269,837
150$2,149$687$1,462$269,149
151$2,149$691$1,458$268,458
152$2,149$695$1,454$267,763
153$2,149$699$1,450$267,065
154$2,149$702$1,447$266,362
155$2,149$706$1,443$265,656
156$2,149$710$1,439$264,946
157$2,149$714$1,435$264,232
158$2,149$718$1,431$263,514
159$2,149$722$1,427$262,792
160$2,149$726$1,423$262,067
161$2,149$730$1,420$261,337
162$2,149$733$1,416$260,604
163$2,149$737$1,412$259,866
164$2,149$741$1,408$259,125
165$2,149$745$1,404$258,380
166$2,149$749$1,400$257,630
167$2,149$754$1,395$256,877
168$2,149$758$1,391$256,119
169$2,149$762$1,387$255,357
170$2,149$766$1,383$254,591
171$2,149$770$1,379$253,821
172$2,149$774$1,375$253,047
173$2,149$778$1,371$252,269
174$2,149$783$1,366$251,486
175$2,149$787$1,362$250,700
176$2,149$791$1,358$249,908
177$2,149$795$1,354$249,113
178$2,149$800$1,349$248,313
179$2,149$804$1,345$247,509
180$2,149$808$1,341$246,701
181$2,149$813$1,336$245,888
182$2,149$817$1,332$245,071
183$2,149$822$1,327$244,250
184$2,149$826$1,323$243,424
185$2,149$830$1,319$242,593
186$2,149$835$1,314$241,758
187$2,149$840$1,310$240,919
188$2,149$844$1,305$240,075
189$2,149$849$1,300$239,226
190$2,149$853$1,296$238,373
191$2,149$858$1,291$237,515
192$2,149$862$1,287$236,652
193$2,149$867$1,282$235,785
194$2,149$872$1,277$234,913
195$2,149$877$1,272$234,037
196$2,149$881$1,268$233,155
197$2,149$886$1,263$232,269
198$2,149$891$1,258$231,378
199$2,149$896$1,253$230,483
200$2,149$901$1,248$229,582
201$2,149$905$1,244$228,677
202$2,149$910$1,239$227,766
203$2,149$915$1,234$226,851
204$2,149$920$1,229$225,931
205$2,149$925$1,224$225,006
206$2,149$930$1,219$224,075
207$2,149$935$1,214$223,140
208$2,149$940$1,209$222,200
209$2,149$945$1,204$221,254
210$2,149$951$1,198$220,304
211$2,149$956$1,193$219,348
212$2,149$961$1,188$218,387
213$2,149$966$1,183$217,421
214$2,149$971$1,178$216,450
215$2,149$977$1,172$215,473
216$2,149$982$1,167$214,491
217$2,149$987$1,162$213,504
218$2,149$993$1,156$212,511
219$2,149$998$1,151$211,513
220$2,149$1,003$1,146$210,510
221$2,149$1,009$1,140$209,501
222$2,149$1,014$1,135$208,487
223$2,149$1,020$1,129$207,467
224$2,149$1,025$1,124$206,442
225$2,149$1,031$1,118$205,411
226$2,149$1,036$1,113$204,375
227$2,149$1,042$1,107$203,333
228$2,149$1,048$1,101$202,285
229$2,149$1,053$1,096$201,232
230$2,149$1,059$1,090$200,173
231$2,149$1,065$1,084$199,108
232$2,149$1,071$1,079$198,038
233$2,149$1,076$1,073$196,961
234$2,149$1,082$1,067$195,879
235$2,149$1,088$1,061$194,791
236$2,149$1,094$1,055$193,697
237$2,149$1,100$1,049$192,597
238$2,149$1,106$1,043$191,492
239$2,149$1,112$1,037$190,380
240$2,149$1,118$1,031$189,262
241$2,149$1,124$1,025$188,138
242$2,149$1,130$1,019$187,008
243$2,149$1,136$1,013$185,872
244$2,149$1,142$1,007$184,730
245$2,149$1,148$1,001$183,581
246$2,149$1,155$994$182,427
247$2,149$1,161$988$181,266
248$2,149$1,167$982$180,099
249$2,149$1,173$976$178,925
250$2,149$1,180$969$177,745
251$2,149$1,186$963$176,559
252$2,149$1,193$956$175,366
253$2,149$1,199$950$174,167
254$2,149$1,206$943$172,962
255$2,149$1,212$937$171,750
256$2,149$1,219$930$170,531
257$2,149$1,225$924$169,306
258$2,149$1,232$917$168,074
259$2,149$1,239$910$166,835
260$2,149$1,245$904$165,590
261$2,149$1,252$897$164,338
262$2,149$1,259$890$163,079
263$2,149$1,266$883$161,813
264$2,149$1,273$876$160,540
265$2,149$1,279$870$159,261
266$2,149$1,286$863$157,975
267$2,149$1,293$856$156,681
268$2,149$1,300$849$155,381
269$2,149$1,307$842$154,074
270$2,149$1,314$835$152,759
271$2,149$1,322$827$151,437
272$2,149$1,329$820$150,109
273$2,149$1,336$813$148,773
274$2,149$1,343$806$147,430
275$2,149$1,350$799$146,079
276$2,149$1,358$791$144,721
277$2,149$1,365$784$143,356
278$2,149$1,373$777$141,984
279$2,149$1,380$769$140,604
280$2,149$1,387$762$139,216
281$2,149$1,395$754$137,821
282$2,149$1,402$747$136,419
283$2,149$1,410$739$135,009
284$2,149$1,418$731$133,591
285$2,149$1,425$724$132,166
286$2,149$1,433$716$130,733
287$2,149$1,441$708$129,292
288$2,149$1,449$700$127,843
289$2,149$1,457$692$126,386
290$2,149$1,464$685$124,922
291$2,149$1,472$677$123,450
292$2,149$1,480$669$121,969
293$2,149$1,488$661$120,481
294$2,149$1,496$653$118,984
295$2,149$1,505$644$117,480
296$2,149$1,513$636$115,967
297$2,149$1,521$628$114,446
298$2,149$1,529$620$112,917
299$2,149$1,537$612$111,380
300$2,149$1,546$603$109,834
301$2,149$1,554$595$108,280
302$2,149$1,563$587$106,718
303$2,149$1,571$578$105,147
304$2,149$1,579$570$103,567
305$2,149$1,588$561$101,979
306$2,149$1,597$552$100,382
307$2,149$1,605$544$98,777
308$2,149$1,614$535$97,163
309$2,149$1,623$526$95,540
310$2,149$1,632$518$93,909
311$2,149$1,640$509$92,268
312$2,149$1,649$500$90,619
313$2,149$1,658$491$88,961
314$2,149$1,667$482$87,294
315$2,149$1,676$473$85,618
316$2,149$1,685$464$83,932
317$2,149$1,694$455$82,238
318$2,149$1,704$445$80,534
319$2,149$1,713$436$78,822
320$2,149$1,722$427$77,100
321$2,149$1,731$418$75,368
322$2,149$1,741$408$73,627
323$2,149$1,750$399$71,877
324$2,149$1,760$389$70,117
325$2,149$1,769$380$68,348
326$2,149$1,779$370$66,569
327$2,149$1,788$361$64,781
328$2,149$1,798$351$62,983
329$2,149$1,808$341$61,175
330$2,149$1,818$331$59,357
331$2,149$1,828$322$57,530
332$2,149$1,837$312$55,692
333$2,149$1,847$302$53,845
334$2,149$1,857$292$51,988
335$2,149$1,867$282$50,120
336$2,149$1,878$271$48,243
337$2,149$1,888$261$46,355
338$2,149$1,898$251$44,457
339$2,149$1,908$241$42,549
340$2,149$1,919$230$40,630
341$2,149$1,929$220$38,701
342$2,149$1,939$210$36,762
343$2,149$1,950$199$34,812
344$2,149$1,960$189$32,852
345$2,149$1,971$178$30,880
346$2,149$1,982$167$28,899
347$2,149$1,992$157$26,906
348$2,149$2,003$146$24,903
349$2,149$2,014$135$22,889
350$2,149$2,025$124$20,864
351$2,149$2,036$113$18,828
352$2,149$2,047$102$16,781
353$2,149$2,058$91$14,723
354$2,149$2,069$80$12,653
355$2,149$2,080$69$10,573
356$2,149$2,092$57$8,481
357$2,149$2,103$46$6,378
358$2,149$2,114$35$4,263
359$2,149$2,126$23$2,137
360$2,149$2,137$12$0

Compare scenarios

Change loan term to see how the result responds.

How to use this calculator

  1. 1Enter your current home price, down payment, mortgage note rate, quoted apr for fee comparison, discount points paid upfront, origination and lender fees, loan term, annual property tax from the property or assessor, annual homeowners insurance quote, known monthly pmi quote (0 to estimate), estimated annual pmi rate when quote is 0 and down payment is below 20%, monthly hoa dues, optional extra principal payment.
  2. 2Review the headline estimated monthly housing payment and the supporting figures beside it.
  3. 3Change one input at a time to compare a cautious and an optimistic scenario.
  4. 4Use the result for planning, then verify the applicable lender, tax, benefit, school, or medical guidance before acting.

Explore this calculator

What your result means →The headline estimated monthly housing payment is based on the values currently entered above.Key terms explained →Review the assumptions, applicable rules, timing and real-world costs before making a decision.How to use this calculator →Enter your figures, review the live result, compare scenarios, then save or print your estimate.The calculation formula →The calculation follows the standard relationship between the displayed inputs. Results update whenever an input changes.Worked example →Using the current values produces $2,732 / mo.Assumptions and limitations →Review the assumptions, applicable rules, timing and real-world costs before making a decision.Costs or factors not included →Review the assumptions, applicable rules, timing and real-world costs before making a decision.Frequently asked questions →How accurate is this estimate? What should I check before relying on it? Can I save or share the result?

Compare the numbers that matter

01

Principal & interest

$2,149

02 · KEY VIEW

Property tax

$433

03

Insurance, PMI & HOA

$150

04

Upfront points + fees

$2,500

Plain-English guidance

Everything needed to review the estimate before making a decision.

PITI explained

Learn what this number means and how it is calculated.

Read guide →

Note rate vs APR

See the assumptions that have the greatest effect.

Read guide →

PMI

Compare a realistic low, middle and high scenario.

Read guide →

Amortization export

Know what to verify before you take the next step.

Read guide →

Method, assumptions and worked result

This planning experience updates the result from the values above. The current scenario produces $2,732 / mo. It is designed to make the relationship between inputs visible—not to replace an official quote, benefit statement, tax return, clinical assessment, or lender decision.

What to verify

The payment uses the note rate; APR is displayed for offer comparison because it incorporates certain finance charges. Points and origination fees are treated as upfront costs.

The formula, edge cases, official sources, and review date remain part of the publication checklist for this US-localized calculator.

Frequently asked questions

What does the estimated monthly housing payment show?+

It is a planning estimate based on the values currently entered. Supporting cards help show the components or trade-offs behind it.

Can I change the assumptions?+

Yes. Edit any input, then compare the revised result with the starting scenario.

Is this an official quote or determination?+

No. Confirm current requirements and your individual circumstances with the relevant official source or qualified professional.

Can I save this scenario?+

Yes. Use Save at the top of the page to keep the current inputs in this browser, or share and print the page.

Official references

Rules and thresholds used by this calculator are labelled for 2026 or formula-labelled period. Review the primary guidance before making a filing, borrowing, benefit or investment decision.

Last source review: 3 August 2026. Calculator results are estimates and may exclude circumstances described in the methodology.

Official-source readyDesigned for IRS, SSA, CFPB, CDC and other primary references.

Privacy firstInputs remain on your device unless you choose to share.

Mockup statusVisual and interaction concept—formula validation still required.

KEEP EXPLORING

More loans & mortgages calculators for United States

Auto Loan CalculatorAuto Loan Calculator built around United States rules, rates, and USD amounts.
Student Loan Payoff CalculatorStudent Loan Payoff Calculator built around United States rules, rates, and USD amounts.
Mortgage Refinance CalculatorMortgage Refinance Calculator built around United States rules, rates, and USD amounts.

LEARN MORE

From our guides

Understanding Your Mortgage Payment: PITI ExplainedPrincipal, interest, taxes, and insurance — the four pieces that make up a typical mortgage payment, and what's not included that still costs you money.