Formula
Monthly principal and interest uses the standard fixed-rate amortization formula.
US localized calculator
US Mortgage Calculator
Estimate monthly principal and interest, property tax, insurance, PMI, and total housing payment.
Main result
Calculating Consumer Financial Protection Bureau mortgage payment guidance.계산 기준과 공식 출처
Calculation basis date: May 15, 2026. Uses a fixed-rate amortization formula and user-entered tax/insurance assumptions.
공식 기준은 수시로 바뀔 수 있으므로 실제 신고, 계약, 대출, 진료, 납부 전에는 반드시 해당 기관의 최신 자료를 확인하세요.
Formula and interpretation
How to read it
U.S. mortgage affordability often depends on taxes, insurance, HOA, PMI, credit score, and lender rules, not only principal and interest.
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Rules, rates, thresholds, deductions, credits, fees, exchange rates and local requirements can change and may differ by country, state, city, institution, transaction date and personal facts. We do not guarantee that the calculations are accurate, complete, current or suitable for your situation. To the fullest extent permitted by applicable law, we disclaim liability for losses, damages, penalties, interest, taxes, claims or disputes arising from use of, or reliance on, this site.
US note: this calculator is not legal, tax, accounting, payroll, mortgage, investment or financial advice. Check IRS, SSA, state agencies, your lender, CPA, attorney or qualified adviser before acting.