How it works
US Mortgage & Property Tax Calculator
Calculating a home mortgage in the US involves far more than just principal and interest. Real homeownership expenses include state property taxes, homeowners insurance, Private Mortgage Insurance (PMI) for down payments under 20%, and Homeowners Association (HOA) fees.
This US Mortgage & Property Tax Calculator computes your complete PITI payment (Principal, Interest, Taxes, and Insurance). Select from 15-year or 30-year fixed terms, customize down payment %, model state property tax rates, and download your year-by-year payoff schedule CSV.