MortgageUS Mortgage Calculator

MortgageUS is a complete mortgage calculator for home buyers, homeowners, real estate investors, and mortgage professionals.

Calculate monthly payments, PITI, PMI, FHA, VA, USDA, jumbo loans, affordability, refinance savings, amortization schedules, closing costs, and more.

Unlike basic mortgage calculators, MortgageUS includes specialized tools for FHA loans, VA loans, USDA loans, PMI tracking, DTI analysis, closing costs by state, HELOC calculations, ARM mortgages, and refinance planning.

🏠 MORTGAGE CALCULATOR

Calculate:

• Principal & Interest (P&I)
• Property Taxes
• Home Insurance
• HOA Fees
• PMI
• Full PITI Payment

Results update instantly as you type.

🏦 FHA • VA • USDA • JUMBO

Support for all major US mortgage types:

• Conventional Loans
• FHA Loans with MIP calculations
• VA Loans with Funding Fees
• USDA Loans with Guarantee Fees
• Jumbo Loans

Perfect for first-time home buyers and government-backed loan programs.

📊 AMORTIZATION SCHEDULE

View:

• Monthly amortization schedule
• Yearly amortization schedule
• Principal vs interest breakdown
• PMI removal date
• Payoff milestones

⚖️ COMPARE LOAN OPTIONS

Compare:

• 30 Year vs 15 Year Mortgage
• ARM Scenarios
• Refinance Scenarios
• Extra Payment Strategies

See interest savings and payoff acceleration instantly.

🧰 SPECIALIZED TOOLS

• Affordability Calculator
• DTI Calculator
• PMI Calculator
• Refinance Calculator
• Closing Costs by State
• HELOC Calculator
• Discount Points Calculator
• Investment Return Calculator
• FHA Calculator
• VA Calculator
• USDA Calculator

📍 CLOSING COSTS BY STATE

Estimate buyer and seller closing costs for all 50 US states and Washington DC.

Includes:

• Transfer Taxes
• Recording Fees
• Title Insurance
• Lender Costs

💡 SMART FEATURES

• Reverse Mortgage Solver
• Rate Stress Testing
• Smart Insights
• Affordability Analysis
• Automatic Loan Comparisons

📄 PDF EXPORT

Generate professional mortgage reports including:

• Payment Summary
• Amortization Schedule
• Charts & Graphs
• Loan Comparison Reports

💰 FREE & PREMIUM

Free:

• All mortgage calculators
• FHA, VA, USDA support
• Loan comparisons
• Auto-save history
• English & Spanish

Premium ($4.99 One-Time):

• Unlimited History
• Full 30-Year Amortization
• Unlimited PDF Export
• Ad-Free Experience

🇺🇸 🇲🇽 ENGLISH & SPANISH

Full bilingual support throughout the entire application.

Works offline. No account required.

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DISCLAIMER

MortgageUS is an independent application and is not affiliated with, endorsed by, or associated with any government agency, lender, bank, mortgage company, FHA, VA, USDA, FHFA, or other organization.

Calculations are estimates provided for informational purposes only and should not be considered financial, legal, tax, lending, or investment advice.

Always verify information with qualified professionals before making financial decisions.

Mortgage rates, fees, insurance costs, PMI rates, and lending requirements may vary by lender and borrower qualifications.