How accurate is this mortgage calculator?

It uses standard U.S. amortization and adds your taxes, insurance, PMI, HOA, and other costs.

Does it include PMI and HOA?

Yes, PMI until ~78% LTV, plus HOA and other costs if entered.

What about extra payments?

Supports monthly extra payments to shorten payoff and cut interest.

Smarter mortgage planning

Know your payment before you apply.

Accurate U.S. mortgage estimate with taxes, insurance, PMI, HOA, and extra payments. Save results, export PDFs, and compare side-by-side.

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Why homebuyers trust us

Built for U.S. borrowers with transparent math and printable reports.

Accurate payments

Standard amortization plus taxes, insurance, HOA, PMI logic under 20% down, and optional extra payments.

Share & export

Save results to your account, download branded PDFs, or share a secure link with your lender or agent.

Privacy-first

CSRF/XSS protection, hashed passwords, and no credit pull. Your numbers stay yours.

Frequently Asked Questions

It uses the standard U.S. amortization formula and adds taxes, insurance, PMI, HOA, and other costs you provide. Estimates only�actual lender terms may vary.

Yes. PMI applies if the down payment is below 20% until LTV reaches ~78%. HOA and other monthly costs can be added.

You can download a PDF, print, save to your account, or share a secure link.

The calculator supports monthly extra payments and recalculates payoff date and total interest.