US Mortgage Calculator

Compute the monthly principal & interest payment, the full PITI (with property tax, insurance, HOA, and PMI), and the complete amortization schedule for a fixed-rate US mortgage. PMI is dropped automatically at 80% LTV per the federal Homeowners Protection Act.

Last reviewed Apr 27, 2026 · SN

Fixed-rate amortization · Automatic PMI handling

For information only — not investment, financial, or tax advice. This calculator estimates results based on the inputs you provide. It does not constitute professional advice and infoz.com is not a CPA, EA, attorney, or registered investment adviser. Tax laws change. Individual circumstances vary. Consult a qualified professional licensed in your jurisdiction before making any financial decision.

Monthly PITI

$3,286.21

Loan $400,000 · LTV 80% · 30-year fixed

Principal & interest: $2,661.21
Property tax: $500.00
Home insurance: $125.00
Total interest (full term): $558,036
Total cost of loan: $958,036

Cumulative payment composition

Full amortization schedule (360 rows)

Mo.	Payment	Principal	Interest	PMI	Balance
1	$2,661.21	$327.88	$2,333.33	—	$399,672
2	$2,661.21	$329.79	$2,331.42	—	$399,342
3	$2,661.21	$331.71	$2,329.50	—	$399,011
4	$2,661.21	$333.65	$2,327.56	—	$398,677
5	$2,661.21	$335.59	$2,325.62	—	$398,341
6	$2,661.21	$337.55	$2,323.66	—	$398,004
7	$2,661.21	$339.52	$2,321.69	—	$397,664
8	$2,661.21	$341.50	$2,319.71	—	$397,323
9	$2,661.21	$343.49	$2,317.72	—	$396,979
10	$2,661.21	$345.50	$2,315.71	—	$396,634
11	$2,661.21	$347.51	$2,313.70	—	$396,286
12	$2,661.21	$349.54	$2,311.67	—	$395,937
13	$2,661.21	$351.58	$2,309.63	—	$395,585
14	$2,661.21	$353.63	$2,307.58	—	$395,232
15	$2,661.21	$355.69	$2,305.52	—	$394,876
16	$2,661.21	$357.77	$2,303.44	—	$394,518
17	$2,661.21	$359.85	$2,301.36	—	$394,158
18	$2,661.21	$361.95	$2,299.26	—	$393,796
19	$2,661.21	$364.06	$2,297.14	—	$393,432
20	$2,661.21	$366.19	$2,295.02	—	$393,066
21	$2,661.21	$368.32	$2,292.89	—	$392,698
22	$2,661.21	$370.47	$2,290.74	—	$392,327
23	$2,661.21	$372.63	$2,288.58	—	$391,955
24	$2,661.21	$374.81	$2,286.40	—	$391,580
25	$2,661.21	$376.99	$2,284.22	—	$391,203
26	$2,661.21	$379.19	$2,282.02	—	$390,824
27	$2,661.21	$381.41	$2,279.80	—	$390,442
28	$2,661.21	$383.63	$2,277.58	—	$390,059
29	$2,661.21	$385.87	$2,275.34	—	$389,673
30	$2,661.21	$388.12	$2,273.09	—	$389,285
31	$2,661.21	$390.38	$2,270.83	—	$388,894
32	$2,661.21	$392.66	$2,268.55	—	$388,502
33	$2,661.21	$394.95	$2,266.26	—	$388,107
34	$2,661.21	$397.25	$2,263.96	—	$387,709
35	$2,661.21	$399.57	$2,261.64	—	$387,310
36	$2,661.21	$401.90	$2,259.31	—	$386,908
37	$2,661.21	$404.25	$2,256.96	—	$386,504
38	$2,661.21	$406.61	$2,254.60	—	$386,097
39	$2,661.21	$408.98	$2,252.23	—	$385,688
40	$2,661.21	$411.36	$2,249.85	—	$385,277
41	$2,661.21	$413.76	$2,247.45	—	$384,863
42	$2,661.21	$416.18	$2,245.03	—	$384,447
43	$2,661.21	$418.60	$2,242.61	—	$384,028
44	$2,661.21	$421.05	$2,240.16	—	$383,607
45	$2,661.21	$423.50	$2,237.71	—	$383,184
46	$2,661.21	$425.97	$2,235.24	—	$382,758
47	$2,661.21	$428.46	$2,232.75	—	$382,329
48	$2,661.21	$430.96	$2,230.25	—	$381,898
49	$2,661.21	$433.47	$2,227.74	—	$381,465
50	$2,661.21	$436.00	$2,225.21	—	$381,029
51	$2,661.21	$438.54	$2,222.67	—	$380,590
52	$2,661.21	$441.10	$2,220.11	—	$380,149
53	$2,661.21	$443.67	$2,217.54	—	$379,705
54	$2,661.21	$446.26	$2,214.95	—	$379,259
55	$2,661.21	$448.87	$2,212.34	—	$378,810
56	$2,661.21	$451.48	$2,209.73	—	$378,359
57	$2,661.21	$454.12	$2,207.09	—	$377,905
58	$2,661.21	$456.77	$2,204.44	—	$377,448
59	$2,661.21	$459.43	$2,201.78	—	$376,988
60	$2,661.21	$462.11	$2,199.10	—	$376,526
61	$2,661.21	$464.81	$2,196.40	—	$376,062
62	$2,661.21	$467.52	$2,193.69	—	$375,594
63	$2,661.21	$470.24	$2,190.97	—	$375,124
64	$2,661.21	$472.99	$2,188.22	—	$374,651
65	$2,661.21	$475.75	$2,185.46	—	$374,175
66	$2,661.21	$478.52	$2,182.69	—	$373,697
67	$2,661.21	$481.31	$2,179.90	—	$373,215
68	$2,661.21	$484.12	$2,177.09	—	$372,731
69	$2,661.21	$486.95	$2,174.26	—	$372,244
70	$2,661.21	$489.79	$2,171.42	—	$371,754
71	$2,661.21	$492.64	$2,168.57	—	$371,262
72	$2,661.21	$495.52	$2,165.69	—	$370,766
73	$2,661.21	$498.41	$2,162.80	—	$370,268
74	$2,661.21	$501.31	$2,159.90	—	$369,766
75	$2,661.21	$504.24	$2,156.97	—	$369,262
76	$2,661.21	$507.18	$2,154.03	—	$368,755
77	$2,661.21	$510.14	$2,151.07	—	$368,245
78	$2,661.21	$513.11	$2,148.10	—	$367,732
79	$2,661.21	$516.11	$2,145.10	—	$367,216
80	$2,661.21	$519.12	$2,142.09	—	$366,697
81	$2,661.21	$522.15	$2,139.06	—	$366,174
82	$2,661.21	$525.19	$2,136.02	—	$365,649
83	$2,661.21	$528.26	$2,132.95	—	$365,121
84	$2,661.21	$531.34	$2,129.87	—	$364,590
85	$2,661.21	$534.44	$2,126.77	—	$364,055
86	$2,661.21	$537.55	$2,123.66	—	$363,518
87	$2,661.21	$540.69	$2,120.52	—	$362,977
88	$2,661.21	$543.84	$2,117.37	—	$362,433
89	$2,661.21	$547.02	$2,114.19	—	$361,886
90	$2,661.21	$550.21	$2,111.00	—	$361,336
91	$2,661.21	$553.42	$2,107.79	—	$360,782
92	$2,661.21	$556.65	$2,104.56	—	$360,226
93	$2,661.21	$559.89	$2,101.32	—	$359,666
94	$2,661.21	$563.16	$2,098.05	—	$359,103
95	$2,661.21	$566.44	$2,094.77	—	$358,536
96	$2,661.21	$569.75	$2,091.46	—	$357,967
97	$2,661.21	$573.07	$2,088.14	—	$357,394
98	$2,661.21	$576.41	$2,084.80	—	$356,817
99	$2,661.21	$579.78	$2,081.43	—	$356,237
100	$2,661.21	$583.16	$2,078.05	—	$355,654
101	$2,661.21	$586.56	$2,074.65	—	$355,068
102	$2,661.21	$589.98	$2,071.23	—	$354,478
103	$2,661.21	$593.42	$2,067.79	—	$353,884
104	$2,661.21	$596.89	$2,064.32	—	$353,287
105	$2,661.21	$600.37	$2,060.84	—	$352,687
106	$2,661.21	$603.87	$2,057.34	—	$352,083
107	$2,661.21	$607.39	$2,053.82	—	$351,476
108	$2,661.21	$610.94	$2,050.27	—	$350,865
109	$2,661.21	$614.50	$2,046.71	—	$350,250
110	$2,661.21	$618.08	$2,043.13	—	$349,632
111	$2,661.21	$621.69	$2,039.52	—	$349,010
112	$2,661.21	$625.32	$2,035.89	—	$348,385
113	$2,661.21	$628.96	$2,032.25	—	$347,756
114	$2,661.21	$632.63	$2,028.58	—	$347,124
115	$2,661.21	$636.32	$2,024.89	—	$346,487
116	$2,661.21	$640.03	$2,021.18	—	$345,847
117	$2,661.21	$643.77	$2,017.44	—	$345,203
118	$2,661.21	$647.52	$2,013.69	—	$344,556
119	$2,661.21	$651.30	$2,009.91	—	$343,905
120	$2,661.21	$655.10	$2,006.11	—	$343,250
121	$2,661.21	$658.92	$2,002.29	—	$342,591
122	$2,661.21	$662.76	$1,998.45	—	$341,928
123	$2,661.21	$666.63	$1,994.58	—	$341,261
124	$2,661.21	$670.52	$1,990.69	—	$340,591
125	$2,661.21	$674.43	$1,986.78	—	$339,916
126	$2,661.21	$678.37	$1,982.84	—	$339,238
127	$2,661.21	$682.32	$1,978.89	—	$338,556
128	$2,661.21	$686.30	$1,974.91	—	$337,869
129	$2,661.21	$690.31	$1,970.90	—	$337,179
130	$2,661.21	$694.33	$1,966.88	—	$336,485
131	$2,661.21	$698.38	$1,962.83	—	$335,786
132	$2,661.21	$702.46	$1,958.75	—	$335,084
133	$2,661.21	$706.55	$1,954.66	—	$334,377
134	$2,661.21	$710.68	$1,950.53	—	$333,667
135	$2,661.21	$714.82	$1,946.39	—	$332,952
136	$2,661.21	$718.99	$1,942.22	—	$332,233
137	$2,661.21	$723.19	$1,938.02	—	$331,510
138	$2,661.21	$727.40	$1,933.81	—	$330,782
139	$2,661.21	$731.65	$1,929.56	—	$330,051
140	$2,661.21	$735.92	$1,925.29	—	$329,315
141	$2,661.21	$740.21	$1,921.00	—	$328,574
142	$2,661.21	$744.53	$1,916.68	—	$327,830
143	$2,661.21	$748.87	$1,912.34	—	$327,081
144	$2,661.21	$753.24	$1,907.97	—	$326,328
145	$2,661.21	$757.63	$1,903.58	—	$325,570
146	$2,661.21	$762.05	$1,899.16	—	$324,808
147	$2,661.21	$766.50	$1,894.71	—	$324,042
148	$2,661.21	$770.97	$1,890.24	—	$323,271
149	$2,661.21	$775.46	$1,885.75	—	$322,495
150	$2,661.21	$779.99	$1,881.22	—	$321,715
151	$2,661.21	$784.54	$1,876.67	—	$320,931
152	$2,661.21	$789.11	$1,872.10	—	$320,142
153	$2,661.21	$793.72	$1,867.49	—	$319,348
154	$2,661.21	$798.35	$1,862.86	—	$318,549
155	$2,661.21	$803.00	$1,858.21	—	$317,746
156	$2,661.21	$807.69	$1,853.52	—	$316,939
157	$2,661.21	$812.40	$1,848.81	—	$316,126
158	$2,661.21	$817.14	$1,844.07	—	$315,309
159	$2,661.21	$821.91	$1,839.30	—	$314,487
160	$2,661.21	$826.70	$1,834.51	—	$313,661
161	$2,661.21	$831.52	$1,829.69	—	$312,829
162	$2,661.21	$836.37	$1,824.84	—	$311,993
163	$2,661.21	$841.25	$1,819.96	—	$311,151
164	$2,661.21	$846.16	$1,815.05	—	$310,305
165	$2,661.21	$851.10	$1,810.11	—	$309,454
166	$2,661.21	$856.06	$1,805.15	—	$308,598
167	$2,661.21	$861.05	$1,800.16	—	$307,737
168	$2,661.21	$866.08	$1,795.13	—	$306,871
169	$2,661.21	$871.13	$1,790.08	—	$306,000
170	$2,661.21	$876.21	$1,785.00	—	$305,124
171	$2,661.21	$881.32	$1,779.89	—	$304,242
172	$2,661.21	$886.46	$1,774.75	—	$303,356
173	$2,661.21	$891.63	$1,769.58	—	$302,464
174	$2,661.21	$896.84	$1,764.37	—	$301,567
175	$2,661.21	$902.07	$1,759.14	—	$300,665
176	$2,661.21	$907.33	$1,753.88	—	$299,758
177	$2,661.21	$912.62	$1,748.59	—	$298,845
178	$2,661.21	$917.95	$1,743.26	—	$297,927
179	$2,661.21	$923.30	$1,737.91	—	$297,004
180	$2,661.21	$928.69	$1,732.52	—	$296,075
181	$2,661.21	$934.10	$1,727.11	—	$295,141
182	$2,661.21	$939.55	$1,721.66	—	$294,202
183	$2,661.21	$945.03	$1,716.18	—	$293,257
184	$2,661.21	$950.55	$1,710.66	—	$292,306
185	$2,661.21	$956.09	$1,705.12	—	$291,350
186	$2,661.21	$961.67	$1,699.54	—	$290,388
187	$2,661.21	$967.28	$1,693.93	—	$289,421
188	$2,661.21	$972.92	$1,688.29	—	$288,448
189	$2,661.21	$978.60	$1,682.61	—	$287,470
190	$2,661.21	$984.30	$1,676.91	—	$286,485
191	$2,661.21	$990.05	$1,671.16	—	$285,495
192	$2,661.21	$995.82	$1,665.39	—	$284,500
193	$2,661.21	$1,001.63	$1,659.58	—	$283,498
194	$2,661.21	$1,007.47	$1,653.74	—	$282,490
195	$2,661.21	$1,013.35	$1,647.86	—	$281,477
196	$2,661.21	$1,019.26	$1,641.95	—	$280,458
197	$2,661.21	$1,025.21	$1,636.00	—	$279,433
198	$2,661.21	$1,031.19	$1,630.02	—	$278,401
199	$2,661.21	$1,037.20	$1,624.01	—	$277,364
200	$2,661.21	$1,043.25	$1,617.96	—	$276,321
201	$2,661.21	$1,049.34	$1,611.87	—	$275,272
202	$2,661.21	$1,055.46	$1,605.75	—	$274,216
203	$2,661.21	$1,061.62	$1,599.59	—	$273,155
204	$2,661.21	$1,067.81	$1,593.40	—	$272,087
205	$2,661.21	$1,074.04	$1,587.17	—	$271,013
206	$2,661.21	$1,080.30	$1,580.91	—	$269,932
207	$2,661.21	$1,086.60	$1,574.61	—	$268,846
208	$2,661.21	$1,092.94	$1,568.27	—	$267,753
209	$2,661.21	$1,099.32	$1,561.89	—	$266,654
210	$2,661.21	$1,105.73	$1,555.48	—	$265,548
211	$2,661.21	$1,112.18	$1,549.03	—	$264,436
212	$2,661.21	$1,118.67	$1,542.54	—	$263,317
213	$2,661.21	$1,125.19	$1,536.02	—	$262,192
214	$2,661.21	$1,131.76	$1,529.45	—	$261,060
215	$2,661.21	$1,138.36	$1,522.85	—	$259,922
216	$2,661.21	$1,145.00	$1,516.21	—	$258,777
217	$2,661.21	$1,151.68	$1,509.53	—	$257,625
218	$2,661.21	$1,158.40	$1,502.81	—	$256,467
219	$2,661.21	$1,165.16	$1,496.05	—	$255,301
220	$2,661.21	$1,171.95	$1,489.26	—	$254,129
221	$2,661.21	$1,178.79	$1,482.42	—	$252,951
222	$2,661.21	$1,185.66	$1,475.55	—	$251,765
223	$2,661.21	$1,192.58	$1,468.63	—	$250,572
224	$2,661.21	$1,199.54	$1,461.67	—	$249,373
225	$2,661.21	$1,206.53	$1,454.68	—	$248,166
226	$2,661.21	$1,213.57	$1,447.64	—	$246,953
227	$2,661.21	$1,220.65	$1,440.56	—	$245,732
228	$2,661.21	$1,227.77	$1,433.44	—	$244,504
229	$2,661.21	$1,234.93	$1,426.28	—	$243,269
230	$2,661.21	$1,242.14	$1,419.07	—	$242,027
231	$2,661.21	$1,249.38	$1,411.83	—	$240,778
232	$2,661.21	$1,256.67	$1,404.54	—	$239,521
233	$2,661.21	$1,264.00	$1,397.21	—	$238,257
234	$2,661.21	$1,271.38	$1,389.83	—	$236,986
235	$2,661.21	$1,278.79	$1,382.42	—	$235,707
236	$2,661.21	$1,286.25	$1,374.96	—	$234,421
237	$2,661.21	$1,293.76	$1,367.45	—	$233,127
238	$2,661.21	$1,301.30	$1,359.91	—	$231,826
239	$2,661.21	$1,308.89	$1,352.32	—	$230,517
240	$2,661.21	$1,316.53	$1,344.68	—	$229,200
241	$2,661.21	$1,324.21	$1,337.00	—	$227,876
242	$2,661.21	$1,331.93	$1,329.28	—	$226,544
243	$2,661.21	$1,339.70	$1,321.51	—	$225,204
244	$2,661.21	$1,347.52	$1,313.69	—	$223,857
245	$2,661.21	$1,355.38	$1,305.83	—	$222,502
246	$2,661.21	$1,363.28	$1,297.93	—	$221,138
247	$2,661.21	$1,371.24	$1,289.97	—	$219,767
248	$2,661.21	$1,379.24	$1,281.97	—	$218,388
249	$2,661.21	$1,387.28	$1,273.93	—	$217,001
250	$2,661.21	$1,395.37	$1,265.84	—	$215,605
251	$2,661.21	$1,403.51	$1,257.70	—	$214,202
252	$2,661.21	$1,411.70	$1,249.51	—	$212,790
253	$2,661.21	$1,419.94	$1,241.27	—	$211,370
254	$2,661.21	$1,428.22	$1,232.99	—	$209,942
255	$2,661.21	$1,436.55	$1,224.66	—	$208,505
256	$2,661.21	$1,444.93	$1,216.28	—	$207,060
257	$2,661.21	$1,453.36	$1,207.85	—	$205,607
258	$2,661.21	$1,461.84	$1,199.37	—	$204,145
259	$2,661.21	$1,470.36	$1,190.85	—	$202,675
260	$2,661.21	$1,478.94	$1,182.27	—	$201,196
261	$2,661.21	$1,487.57	$1,173.64	—	$199,708
262	$2,661.21	$1,496.25	$1,164.96	—	$198,212
263	$2,661.21	$1,504.97	$1,156.24	—	$196,707
264	$2,661.21	$1,513.75	$1,147.46	—	$195,193
265	$2,661.21	$1,522.58	$1,138.63	—	$193,671
266	$2,661.21	$1,531.46	$1,129.75	—	$192,139
267	$2,661.21	$1,540.40	$1,120.81	—	$190,599
268	$2,661.21	$1,549.38	$1,111.83	—	$189,049
269	$2,661.21	$1,558.42	$1,102.79	—	$187,491
270	$2,661.21	$1,567.51	$1,093.70	—	$185,924
271	$2,661.21	$1,576.66	$1,084.55	—	$184,347
272	$2,661.21	$1,585.85	$1,075.36	—	$182,761
273	$2,661.21	$1,595.10	$1,066.11	—	$181,166
274	$2,661.21	$1,604.41	$1,056.80	—	$179,562
275	$2,661.21	$1,613.77	$1,047.44	—	$177,948
276	$2,661.21	$1,623.18	$1,038.03	—	$176,325
277	$2,661.21	$1,632.65	$1,028.56	—	$174,692
278	$2,661.21	$1,642.17	$1,019.04	—	$173,050
279	$2,661.21	$1,651.75	$1,009.46	—	$171,398
280	$2,661.21	$1,661.39	$999.82	—	$169,737
281	$2,661.21	$1,671.08	$990.13	—	$168,066
282	$2,661.21	$1,680.83	$980.38	—	$166,385
283	$2,661.21	$1,690.63	$970.58	—	$164,694
284	$2,661.21	$1,700.49	$960.72	—	$162,994
285	$2,661.21	$1,710.41	$950.80	—	$161,283
286	$2,661.21	$1,720.39	$940.82	—	$159,563
287	$2,661.21	$1,730.43	$930.78	—	$157,832
288	$2,661.21	$1,740.52	$920.69	—	$156,092
289	$2,661.21	$1,750.67	$910.54	—	$154,341
290	$2,661.21	$1,760.89	$900.32	—	$152,580
291	$2,661.21	$1,771.16	$890.05	—	$150,809
292	$2,661.21	$1,781.49	$879.72	—	$149,028
293	$2,661.21	$1,791.88	$869.33	—	$147,236
294	$2,661.21	$1,802.34	$858.87	—	$145,433
295	$2,661.21	$1,812.85	$848.36	—	$143,621
296	$2,661.21	$1,823.42	$837.79	—	$141,797
297	$2,661.21	$1,834.06	$827.15	—	$139,963
298	$2,661.21	$1,844.76	$816.45	—	$138,118
299	$2,661.21	$1,855.52	$805.69	—	$136,263
300	$2,661.21	$1,866.34	$794.87	—	$134,396
301	$2,661.21	$1,877.23	$783.98	—	$132,519
302	$2,661.21	$1,888.18	$773.03	—	$130,631
303	$2,661.21	$1,899.20	$762.01	—	$128,732
304	$2,661.21	$1,910.27	$750.94	—	$126,822
305	$2,661.21	$1,921.42	$739.79	—	$124,900
306	$2,661.21	$1,932.63	$728.58	—	$122,967
307	$2,661.21	$1,943.90	$717.31	—	$121,024
308	$2,661.21	$1,955.24	$705.97	—	$119,068
309	$2,661.21	$1,966.64	$694.57	—	$117,102
310	$2,661.21	$1,978.12	$683.09	—	$115,124
311	$2,661.21	$1,989.66	$671.55	—	$113,134
312	$2,661.21	$2,001.26	$659.95	—	$111,133
313	$2,661.21	$2,012.94	$648.27	—	$109,120
314	$2,661.21	$2,024.68	$636.53	—	$107,095
315	$2,661.21	$2,036.49	$624.72	—	$105,059
316	$2,661.21	$2,048.37	$612.84	—	$103,010
317	$2,661.21	$2,060.32	$600.89	—	$100,950
318	$2,661.21	$2,072.34	$588.87	—	$98,878
319	$2,661.21	$2,084.42	$576.79	—	$96,793
320	$2,661.21	$2,096.58	$564.63	—	$94,697
321	$2,661.21	$2,108.81	$552.40	—	$92,588
322	$2,661.21	$2,121.11	$540.10	—	$90,467
323	$2,661.21	$2,133.49	$527.72	—	$88,333
324	$2,661.21	$2,145.93	$515.28	—	$86,187
325	$2,661.21	$2,158.45	$502.76	—	$84,029
326	$2,661.21	$2,171.04	$490.17	—	$81,858
327	$2,661.21	$2,183.71	$477.50	—	$79,674
328	$2,661.21	$2,196.45	$464.76	—	$77,478
329	$2,661.21	$2,209.26	$451.95	—	$75,268
330	$2,661.21	$2,222.15	$439.06	—	$73,046
331	$2,661.21	$2,235.11	$426.10	—	$70,811
332	$2,661.21	$2,248.15	$413.06	—	$68,563
333	$2,661.21	$2,261.26	$399.95	—	$66,302
334	$2,661.21	$2,274.45	$386.76	—	$64,027
335	$2,661.21	$2,287.72	$373.49	—	$61,739
336	$2,661.21	$2,301.06	$360.15	—	$59,438
337	$2,661.21	$2,314.49	$346.72	—	$57,124
338	$2,661.21	$2,327.99	$333.22	—	$54,796
339	$2,661.21	$2,341.57	$319.64	—	$52,454
340	$2,661.21	$2,355.23	$305.98	—	$50,099
341	$2,661.21	$2,368.97	$292.24	—	$47,730
342	$2,661.21	$2,382.78	$278.43	—	$45,347
343	$2,661.21	$2,396.68	$264.53	—	$42,951
344	$2,661.21	$2,410.66	$250.55	—	$40,540
345	$2,661.21	$2,424.73	$236.48	—	$38,115
346	$2,661.21	$2,438.87	$222.34	—	$35,676
347	$2,661.21	$2,453.10	$208.11	—	$33,223
348	$2,661.21	$2,467.41	$193.80	—	$30,756
349	$2,661.21	$2,481.80	$179.41	—	$28,274
350	$2,661.21	$2,496.28	$164.93	—	$25,778
351	$2,661.21	$2,510.84	$150.37	—	$23,267
352	$2,661.21	$2,525.49	$135.72	—	$20,742
353	$2,661.21	$2,540.22	$120.99	—	$18,201
354	$2,661.21	$2,555.04	$106.17	—	$15,646
355	$2,661.21	$2,569.94	$91.27	—	$13,076
356	$2,661.21	$2,584.93	$76.28	—	$10,491
357	$2,661.21	$2,600.01	$61.20	—	$7,891
358	$2,661.21	$2,615.18	$46.03	—	$5,276
359	$2,661.21	$2,630.43	$30.78	—	$2,646
360	$2,661.21	$2,645.78	$15.43	—	$0

How this calculator works

The standard fixed-rate amortization formula computes a level monthly payment that fully retires the loan over the term. The calculator runs the schedule one month at a time so you can see how each payment splits between principal and interest, and so the extra-payment scenario can be modeled exactly.

Compute the loan amount and LTV
Loan = home price − down payment. LTV = loan ÷ home price. PMI applies whenever LTV > 0.80 at the default rate of 0.5% of the loan amount per year (1/12 of that amount monthly).
Compute monthly P&I via the level-payment formula
M = P × r(1+r)^n / ((1+r)^n − 1), where r = annual rate / 12 and n = total months.
Build the PITI
Add monthly property tax (annualPropertyTax / 12), monthly home insurance (annualHomeInsurance / 12), the monthly HOA, and PMI when applicable.
Walk the amortization month-by-month
Each month: interest = remaining × r; principal = P&I − interest + extra payment; remaining ← remaining − principal. Once LTV reaches 80%, PMI stops.
Compare with extra payments
Run the schedule again with the extra monthly amount applied to principal. Report months saved and total interest saved versus the standard schedule.

M = P × r(1+r)^n / ((1+r)^n − 1) M = monthly P&I P = loan principal r = annual rate / 12 n = total months in the term PMI = (loanAmount × pmiAnnualRate) / 12, while LTV > 0.80

Worked example: $500,000 home · $100,000 down · 30-year fixed at 7%

Loan = $500,000 − $100,000 = $400,000. LTV = 400,000 / 500,000 = 0.80 → no PMI. Monthly P&I: r = 0.07 / 12 = 0.005833... n = 360 M = 400,000 × 0.005833 × (1.005833)^360 / ((1.005833)^360 − 1) M ≈ $2,661.21 PITI build-up (with $6,000/yr tax, $1,500/yr ins, $0 HOA, 0 PMI): P&I: $2,661.21 Property tax: $ 500.00 Home insurance: $ 125.00 HOA: $ 0.00 PMI: $ 0.00 Total PITI: $3,286.21 Total interest paid over 30 years: ≈ $558,036 Total cost of loan: $400,000 + $558,036 = $958,036. Extra $200/month toward principal: Payoff in ~26 years instead of 30 → ~4 years saved, ~$103,000 interest saved.

Sources & methodology

Every numeric input to this calculator traces back to one of the following authoritative documents.

Consumer Financial Protection Bureau — Owning a Homeprimary · accessed 2026-04-27 · CFPB plain-English mortgage education and lender disclosures.
Homeowners Protection Act of 1998 (12 U.S.C. § 4901 et seq.) — PMI rulesprimary · accessed 2026-04-27 · Federal statute requiring automatic PMI termination at 78% LTV.
Freddie Mac — Primary Mortgage Market Survey (PMMS)secondary · accessed 2026-04-27 · Weekly reference rates for fixed-rate mortgages.

Frequently asked questions

What's the difference between P&I and PITI?: P&I (principal and interest) is the part of your monthly mortgage payment that pays down the loan and the interest on it. PITI also includes monthly property tax (T), homeowners insurance (I), and — if you live in an HOA — the HOA fee. Many lenders escrow tax and insurance, meaning they collect the monthly portion with your P&I and pay the bills on your behalf when due.
When is PMI required, and when does it drop?: Private Mortgage Insurance (PMI) is typically required on conventional loans whenever your loan-to-value (LTV) exceeds 80% — i.e., your down payment is below 20%. Under the federal Homeowners Protection Act of 1998, lenders must automatically terminate PMI once the loan is scheduled to reach 78% LTV based on the original property value, and they must end it on request when LTV reaches 80%. The calculator drops PMI automatically once the amortization brings LTV down to 80%.
How is the monthly payment computed?: The standard fixed-rate amortization formula: M = P × r(1+r)^n / ((1+r)^n − 1), where M is the monthly payment, P is the loan principal, r is the monthly interest rate (annual rate ÷ 12), and n is the number of months in the term.
Can I see how much paying extra saves?: Yes. Enter an extra monthly payment and the calculator runs a parallel amortization schedule that applies the extra amount to principal each month. The result panel shows months saved and total interest saved. The chart shows the standard schedule for visual reference; the savings figure is computed against the same starting loan.
Are taxes deductible?: Mortgage interest deductibility under the US tax code depends on whether you itemize, whether the loan is acquisition debt within the post-TCJA cap ($750k for joint filers, post-2017), and various other factors. The calculator does not compute the deduction. For estimated federal tax impact, use our US Federal Tax calculator alongside this one.
Does this handle ARMs, balloons, or interest-only loans?: No. This calculator assumes a fixed-rate, fully amortizing loan. Adjustable-rate (ARM), balloon, interest-only, and graduated-payment loans require different math and are not modeled.
Are closing costs included?: No. Closing costs (origination, title, recording, prepaid items, points) are typically 2–5% of the loan amount and vary widely by state and lender. Add them to your cash-needed-at-close separately. The total cost of loan figure shown is principal + total interest + PMI over the life of the loan; it doesn't include closing costs.

Important disclaimers

Calculation logic is based on data verified for standard fixed-rate amortization.

No professional advice. This calculator is provided for informational and educational purposes only and does not constitute investment, financial, or tax advice. infoz.com is operated by Netlink BVI Ltd, which is not a certified public accountant, enrolled agent, attorney, registered investment adviser, or licensed financial professional in any jurisdiction. Use of this calculator does not create any professional, fiduciary, or advisory relationship.

No warranties. Results are best-effort estimates based on the inputs you provide and the data sources cited. Tax law and financial regulations change without notice; data may be revised, withdrawn, or superseded between releases. We make no warranty, express or implied, that the result is accurate, current, complete, or suitable for your situation.

No liability. To the maximum extent permitted by law, infoz.com, Netlink BVI Ltd, and the authors disclaim liability for any direct, indirect, consequential, or incidental loss arising from use of this calculator or reliance on its output. You assume all risk of your reliance on the result.

Assumptions baked in:

Loan is a fixed-rate, fully amortizing US conventional mortgage.
Interest is computed monthly on the unpaid principal balance.
Property tax and homeowners insurance escrow estimates are derived from your annual figures, divided by 12.
PMI rate defaults to 0.5% of the original loan amount (override available); it terminates automatically when scheduled LTV reaches 80%.
Extra payments are applied entirely to principal each month.

What this calculator does NOT cover:

Adjustable-rate mortgages (ARM), balloon mortgages, interest-only loans, graduated-payment loans.
FHA, VA, and USDA loan-specific insurance premiums (MIP, funding fee, guarantee fee) and rules.
Closing costs (origination, title, recording, prepaid items, points).
Mortgage interest tax deduction and SALT cap implications.
Property tax reassessment, insurance premium changes, or HOA fee escalation over time.
Prepayment penalties on certain non-conforming loans.
Recasting or refinancing scenarios.
State-specific recording or transfer taxes at closing.
Foreclosure, forbearance, or modification scenarios.
Investment-property cash flow analysis (rental income, depreciation, etc.).

Talk to a professional. For decisions that involve real money — filing a return, structuring compensation, choosing an investment strategy — consult a qualified, licensed professional who can review your full circumstances. The cost of one consultation is almost always less than the cost of a wrong decision.

See the full site-wide legal disclaimer and terms for additional notices, including AI-assisted content disclosures and third-party data attribution.

US Mortgage Calculator

Last reviewed Apr 27, 2026 · SN

Fixed-rate amortization · Automatic PMI handling

Mo.

Payment

Principal

Interest

PMI

Balance

$2,661.21

$327.88

$2,333.33

—

$399,672

$2,661.21

$329.79

$2,331.42

—

$399,342

$2,661.21

$331.71

$2,329.50

—

$399,011

$2,661.21

$333.65

$2,327.56

—

$398,677

$2,661.21

$335.59

$2,325.62

—

$398,341

$2,661.21

$337.55

$2,323.66

—

$398,004

$2,661.21

$339.52

$2,321.69

—

$397,664

$2,661.21

$341.50

$2,319.71

—

$397,323

$2,661.21

$343.49

$2,317.72

—

$396,979

$2,661.21

$345.50

$2,315.71

—

$396,634

$2,661.21

$347.51

$2,313.70

—

$396,286

$2,661.21

$349.54

$2,311.67

—

$395,937

$2,661.21

$351.58

$2,309.63

—

$395,585

$2,661.21

$353.63

$2,307.58

—

$395,232

$2,661.21

$355.69

$2,305.52

—

$394,876

$2,661.21

$357.77

$2,303.44

—

$394,518

$2,661.21

$359.85

$2,301.36

—

$394,158

$2,661.21

$361.95

$2,299.26

—

$393,796

$2,661.21

$364.06

$2,297.14

—

$393,432

$2,661.21

$366.19

$2,295.02

—

$393,066

$2,661.21

$368.32

$2,292.89

—

$392,698

$2,661.21

$370.47

$2,290.74

—

$392,327

$2,661.21

$372.63

$2,288.58

—

$391,955

$2,661.21

$374.81

$2,286.40

—

$391,580

$2,661.21

$376.99

$2,284.22

—

$391,203

$2,661.21

$379.19

$2,282.02

—

$390,824

$2,661.21

$381.41

$2,279.80

—

$390,442

$2,661.21

$383.63

$2,277.58

—

$390,059

$2,661.21

$385.87

$2,275.34

—

$389,673

$2,661.21

$388.12

$2,273.09

—

$389,285

$2,661.21

$390.38

$2,270.83

—

$388,894

$2,661.21

$392.66

$2,268.55

—

$388,502

$2,661.21

$394.95

$2,266.26

—

$388,107

$2,661.21

$397.25

$2,263.96

—

$387,709

$2,661.21

$399.57

$2,261.64

—

$387,310

$2,661.21

$401.90

$2,259.31

—

$386,908

$2,661.21

$404.25

$2,256.96

—

$386,504

$2,661.21

$406.61

$2,254.60

—

$386,097

$2,661.21

$408.98

$2,252.23

—

$385,688

$2,661.21

$411.36

$2,249.85

—

$385,277

$2,661.21

$413.76

$2,247.45

—

$384,863

$2,661.21

$416.18

$2,245.03

—

$384,447

$2,661.21

$418.60

$2,242.61

—

$384,028

$2,661.21

$421.05

$2,240.16

—

$383,607

$2,661.21

$423.50

$2,237.71

—

$383,184

$2,661.21

$425.97

$2,235.24

—

$382,758

$2,661.21

$428.46

$2,232.75

—

$382,329

$2,661.21

$430.96

$2,230.25

—

$381,898

$2,661.21

$433.47

$2,227.74

—

$381,465

$2,661.21

$436.00

$2,225.21

—

$381,029

$2,661.21

$438.54

$2,222.67

—

$380,590

$2,661.21

$441.10

$2,220.11

—

$380,149

$2,661.21

$443.67

$2,217.54

—

$379,705

$2,661.21

$446.26

$2,214.95

—

$379,259

$2,661.21

$448.87

$2,212.34

—

$378,810

$2,661.21

$451.48

$2,209.73

—

$378,359

$2,661.21

$454.12

$2,207.09

—

$377,905

$2,661.21

$456.77

$2,204.44

—

$377,448

$2,661.21

$459.43

$2,201.78

—

$376,988

$2,661.21

$462.11

$2,199.10

—

$376,526

$2,661.21

$464.81

$2,196.40

—

$376,062

$2,661.21

$467.52

$2,193.69

—

$375,594

$2,661.21

$470.24

$2,190.97

—

$375,124

$2,661.21

$472.99

$2,188.22

—

$374,651

$2,661.21

$475.75

$2,185.46

—

$374,175

$2,661.21

$478.52

$2,182.69

—

$373,697

$2,661.21

$481.31

$2,179.90

—

$373,215

$2,661.21

$484.12

$2,177.09

—

$372,731

$2,661.21

$486.95

$2,174.26

—

$372,244

$2,661.21

$489.79

$2,171.42

—

$371,754

$2,661.21

$492.64

$2,168.57

—

$371,262

$2,661.21

$495.52

$2,165.69

—

$370,766

$2,661.21

$498.41

$2,162.80

—

$370,268

$2,661.21

$501.31

$2,159.90

—

$369,766

$2,661.21

$504.24

$2,156.97

—

$369,262

$2,661.21

$507.18

$2,154.03

—

$368,755

$2,661.21

$510.14

$2,151.07

—

$368,245

$2,661.21

$513.11

$2,148.10

—

$367,732

$2,661.21

$516.11

$2,145.10

—

$367,216

$2,661.21

$519.12

$2,142.09

—

$366,697

$2,661.21

$522.15

$2,139.06

—

$366,174

$2,661.21

$525.19

$2,136.02

—

$365,649

$2,661.21

$528.26

$2,132.95

—

$365,121

$2,661.21

$531.34

$2,129.87

—

$364,590

$2,661.21

$534.44

$2,126.77

—

$364,055

$2,661.21

$537.55

$2,123.66

—

$363,518

$2,661.21

$540.69

$2,120.52

—

$362,977

$2,661.21

$543.84

$2,117.37

—

$362,433

$2,661.21

$547.02

$2,114.19

—

$361,886

$2,661.21

$550.21

$2,111.00

—

$361,336

$2,661.21

$553.42

$2,107.79

—

$360,782

$2,661.21

$556.65

$2,104.56

—

$360,226

$2,661.21

$559.89

$2,101.32

—

$359,666

$2,661.21

$563.16

$2,098.05

—

$359,103

$2,661.21

$566.44

$2,094.77

—

$358,536

$2,661.21

$569.75

$2,091.46

—

$357,967

$2,661.21

$573.07

$2,088.14

—

$357,394

$2,661.21

$576.41

$2,084.80

—

$356,817

$2,661.21

$579.78

$2,081.43

—

$356,237

100

$2,661.21

$583.16

$2,078.05

—

$355,654

101

$2,661.21

$586.56

$2,074.65

—

$355,068

102

$2,661.21

$589.98

$2,071.23

—

$354,478

103

$2,661.21

$593.42

$2,067.79

—

$353,884

104

$2,661.21

$596.89

$2,064.32

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337

$2,661.21

$2,314.49

$346.72

—

$57,124

338

$2,661.21

$2,327.99

$333.22

—

$54,796

339

$2,661.21

$2,341.57

$319.64

—

$52,454

340

$2,661.21

$2,355.23

$305.98

—

$50,099

341

$2,661.21

$2,368.97

$292.24

—

$47,730

342

$2,661.21

$2,382.78

$278.43

—

$45,347

343

$2,661.21

$2,396.68

$264.53

—

$42,951

344

$2,661.21

$2,410.66

$250.55

—

$40,540

345

$2,661.21

$2,424.73

$236.48

—

$38,115

346

$2,661.21

$2,438.87

$222.34

—

$35,676

347

$2,661.21

$2,453.10

$208.11

—

$33,223

348

$2,661.21

$2,467.41

$193.80

—

$30,756

349

$2,661.21

$2,481.80

$179.41

—

$28,274

350

$2,661.21

$2,496.28

$164.93

—

$25,778

351

$2,661.21

$2,510.84

$150.37

—

$23,267

352

$2,661.21

$2,525.49

$135.72

—

$20,742

353

$2,661.21

$2,540.22

$120.99

—

$18,201

354

$2,661.21

$2,555.04

$106.17

—

$15,646

355

$2,661.21

$2,569.94

$91.27

—

$13,076

356

$2,661.21

$2,584.93

$76.28

—

$10,491

357

$2,661.21

$2,600.01

$61.20

—

$7,891

358

$2,661.21

$2,615.18

$46.03

—

$5,276

359

$2,661.21

$2,630.43

$30.78

—

$2,646

360

$2,661.21

$2,645.78

$15.43

—

How this calculator works

Frequently asked questions

What's the difference between P&I and PITI?

P&I (principal and interest) is the part of your monthly mortgage payment that pays down the loan and the interest on it. PITI also includes monthly property tax (T), homeowners insurance (I), and — if you live in an HOA — the HOA fee. Many lenders escrow tax and insurance, meaning they collect the monthly portion with your P&I and pay the bills on your behalf when due.

When is PMI required, and when does it drop?

Private Mortgage Insurance (PMI) is typically required on conventional loans whenever your loan-to-value (LTV) exceeds 80% — i.e., your down payment is below 20%. Under the federal Homeowners Protection Act of 1998, lenders must automatically terminate PMI once the loan is scheduled to reach 78% LTV based on the original property value, and they must end it on request when LTV reaches 80%. The calculator drops PMI automatically once the amortization brings LTV down to 80%.

How is the monthly payment computed?

The standard fixed-rate amortization formula: M = P × r(1+r)^n / ((1+r)^n − 1), where M is the monthly payment, P is the loan principal, r is the monthly interest rate (annual rate ÷ 12), and n is the number of months in the term.

Can I see how much paying extra saves?

Yes. Enter an extra monthly payment and the calculator runs a parallel amortization schedule that applies the extra amount to principal each month. The result panel shows months saved and total interest saved. The chart shows the standard schedule for visual reference; the savings figure is computed against the same starting loan.

Are taxes deductible?

Mortgage interest deductibility under the US tax code depends on whether you itemize, whether the loan is acquisition debt within the post-TCJA cap ($750k for joint filers, post-2017), and various other factors. The calculator does not compute the deduction. For estimated federal tax impact, use our US Federal Tax calculator alongside this one.

Does this handle ARMs, balloons, or interest-only loans?

No. This calculator assumes a fixed-rate, fully amortizing loan. Adjustable-rate (ARM), balloon, interest-only, and graduated-payment loans require different math and are not modeled.

Are closing costs included?

No. Closing costs (origination, title, recording, prepaid items, points) are typically 2–5% of the loan amount and vary widely by state and lender. Add them to your cash-needed-at-close separately. The total cost of loan figure shown is principal + total interest + PMI over the life of the loan; it doesn't include closing costs.

US Mortgage Calculator

Cumulative payment composition

How this calculator works

Worked example: $500,000 home · $100,000 down · 30-year fixed at 7%

Sources & methodology

Frequently asked questions

Related

Important disclaimers

US Mortgage Calculator

Cumulative payment composition

How this calculator works

Worked example: $500,000 home · $100,000 down · 30-year fixed at 7%

Sources & methodology

Frequently asked questions

Related

Important disclaimers