Mortgage Calculator

A Mortgage Calculator is a tool that helps estimate monthly mortgage payments, total interest, and loan duration based on the loan amount, interest rate, and repayment term.

Loan Parameters

%
$90,000
years
%

Additional Monthly Costs

Results:

Enter your mortgage details and click Calculate to see your payment breakdown

Understanding Mortgage Payments

What is PITI?

PITI stands for Principal, Interest, Taxes, and Insurance - the four main components of your monthly mortgage payment.

  • Principal: Amount borrowed
  • Interest: Cost of borrowing
  • Taxes: Property taxes
  • Insurance: Homeowners coverage

Smart Mortgage Tips

  • Aim for 20% down payment to avoid PMI
  • Compare rates from multiple lenders
  • Consider 15-year loans for interest savings
  • Budget for maintenance and repairs

The 28/36 Rule:

Financial experts recommend that your housing expenses should not exceed 28% of your gross monthly income, and your total debt payments should stay below 36% of your gross monthly income.

Important Notice

This calculator provides estimates for educational purposes. Actual mortgage terms, rates, and costs may vary. Consult with mortgage professionals for personalized advice.