Home buying
Mortgage PITI & loan type calculator
Compare conventional, FHA, VA, USDA, jumbo and adjustable-rate loans with a state-aware monthly payment breakdown.
Shop for your home loan
Compare mortgage rates and lender quotes
Select your property state or ZIP code in the calculator, then request quotes for that location.
U.S. weekly benchmark: 30-year fixed 7.28%; 15-year fixed 6.6%. Freddie Mac PMMS, . National averages, not local offers.
How planning rates are estimated
For 15- and 30-year VA planning estimates we subtract 0.25 percentage points from the conventional benchmark; for jumbo / non-conforming we add 0.50 points. These are illustrative assumptions, not observed market spreads or lender offers. Jumbo rates can also be lower than conventional. Other terms and products require your own quote. This is a dated snapshot, not a live rate feed.
Request the same loan type, term, purchase price, down payment and rate-lock period from each lender. Credit score, occupancy, points and lender fees can change the quote. This site does not currently retrieve or rank live local lender offers.
Search banks, credit unions and mortgage lenders
18 lenders listed
Independent reference directory, not a complete market list or a ranking. No listed lender sponsors or endorses this calculator. Product availability varies; confirm your ZIP code and loan details on the lender’s website.
Enter and compare up to three lender quotes
Use quotes for the current property and loan settings above. Fields start blank because these are your quotes, not advertised offers. “Save to comparison” applies the rate and adds a snapshot to the calculator’s four-scenario comparison.
APR and points are recorded for comparison; the payment uses the interest rate. Points are upfront costs and are not added to the monthly PITI estimate. A saved quote is not a rate lock or loan approval.
Canadian mortgage assumptions & sources
Fixed-rate calculations use semiannual compounding. Variable-rate calculations use the compounding convention you select. Renewal term and full amortization are separate; the rate after renewal is a scenario you enter. Accelerated biweekly means half the monthly payment every two weeks.
The purchase-price down-payment minimum is 5% up to CA$500,000, then 10% on the portion above that, or 20% for a price of CA$1.5 million or more. This is not an approval test. Enter a quoted insurance premium; taxes on premiums and transfer taxes belong in upfront costs.
Sources checked September 14, 2026: FCAC mortgage calculator, FCAC down payments, Scotiabank compounding convention.
German mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: BaFin mortgage guidance.
French mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Service-Public.fr mortgage guidance.
Spanish mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Banco de España mortgage guidance.
Italian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Banca d’Italia mortgage guidance.
Dutch mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: AFM mortgage guidance.
Swiss mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: ch.ch mortgage guidance.
Irish mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Competition and Consumer Protection Commission mortgage guidance.
Japanese mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Japan Housing Finance Agency mortgage guidance.
South Korean mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Financial Supervisory Service mortgage guidance.
Chinese mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: People’s Bank of China mortgage guidance.
Philippine mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Bangko Sentral ng Pilipinas mortgage guidance.
Singapore mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: MoneySense mortgage guidance.
UAE mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Central Bank of the UAE mortgage guidance.
New Zealand mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Sorted mortgage guidance.
Mexican mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: CONDUSEF mortgage guidance.
Brazilian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Banco Central do Brasil mortgage guidance.
South African mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: National Credit Regulator mortgage guidance.
Hong Kong mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Hong Kong Monetary Authority mortgage guidance.
Taiwan mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Central Bank of Taiwan mortgage guidance.
Indonesian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Bank Indonesia mortgage guidance.
Malaysian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Bank Negara Malaysia mortgage guidance.
Thai mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Bank of Thailand mortgage guidance.
Vietnamese mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: State Bank of Vietnam mortgage guidance.
Saudi Arabian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Saudi Central Bank mortgage guidance.
Israeli mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Bank of Israel mortgage guidance.
Swedish mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Finansinspektionen mortgage guidance.
Norwegian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Norwegian Ministry of Finance mortgage guidance.
Danish mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Danish Financial Supervisory Authority mortgage guidance.
Belgian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: National Bank of Belgium mortgage guidance.
Austrian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Austrian Financial Market Authority mortgage guidance.
Portuguese mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Banco de Portugal mortgage guidance.
Polish mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Polish Financial Supervision Authority mortgage guidance.
Turkish mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: BDDK mortgage guidance.
Chilean mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: CMF Chile mortgage guidance.
Colombian mortgage assumptions & sources
The calculator loads a sourced minimum-deposit or maximum-LTV basis where one applies. If the country has no universal minimum, it clearly labels the percentage as an editable planning amount. Eligibility, residency, buyer status, property use, valuation and lender rules can require more.
The payment uses a monthly reducing-balance estimate with an editable lender rate and country-appropriate starting term. A renewal field appears only for products commonly modeled with a renewal, repricing or variable-rate scenario. Local purchase taxes, notary or legal charges, insurance, subsidies and tax relief stay as quoted inputs.
Source checked September 15, 2026: Financial Superintendence of Colombia mortgage guidance.
U.K. mortgage assumptions & sources
Repayment and tracker products load the 5% deposit basis supported by the permanent 91–95% LTV Mortgage Guarantee Scheme; lender participation and eligibility still apply. Interest-only loads a clearly labeled 25% planning amount because lenders set their own LTV and repayment-strategy requirements.
Enter the fixed-deal or rate-reset period separately from the full mortgage term. Interest-only leaves a lump sum to repay at the end. Council tax or domestic rates, insurance, service charges, purchase tax and legal fees stay as separate quoted inputs.
Sources checked September 14, 2026: GOV.UK Mortgage Guarantee Scheme and MoneyHelper mortgage options.
Australian home-loan assumptions & sources
Principal-and-interest products load the 5% minimum for eligible buyers under the Australian Government 5% Deposit Scheme. Interest-only loads a 20% planning amount and is not presented as scheme eligibility. Lenders can require more, and LMI may apply outside the scheme.
Interest is estimated from actual elapsed days with a 365-day divisor. A constant 100% offset reduces the interest-bearing balance on eligible variable or interest-only scenarios. Use quotes for LMI, council rates, stamp duty and fees.
Sources checked September 14, 2026: Housing Australia Home Guarantee Scheme, ASIC MoneySmart offset accounts.
Indian home-loan assumptions & sources
The deposit starts at 10%, 20% or 25% using RBI LTV bands and the entered purchase price as a planning proxy. The lender’s sanctioned amount and valuation determine the actual band; stamp duty and registration are outside the financed property value.
EMI is estimated on a monthly reducing balance. Floating-rate mode models one rate change and can compare changing EMI with changing remaining tenure. State taxes, fees and insurance stay as entered quotes.
Sources checked September 14, 2026: RBI housing-loan LTV ratios and floating-rate EMI reset rules.
How to use this calculator & common questions
How each loan type changes the estimate
Conventional: estimates PMI above 80% loan-to-value. FHA: includes upfront and annual mortgage insurance. VA: models first-use or subsequent-use funding fees and lets eligible borrowers mark the fee exempt.
USDA: includes upfront and annual guarantee fees. Jumbo: flags lender-dependent mortgage insurance. 5/1 ARM: shows the initial-rate payment; it does not predict later rate adjustments.
How does the state dropdown affect PITI?
It applies a state-level effective property-tax planning rate. Property taxes vary by county, municipality, exemptions and assessed value, so enter the annual tax from a listing or local quote when available.
Why can my lender’s quote be different?
Credit, occupancy, county loan limits, lender overlays, insurance quotes, escrow timing, points, closing costs and program eligibility can all change the final payment.
Keep planning