Home buying
Mortgage PITI & loan type calculator
Compare conventional, FHA, VA, USDA, jumbo and adjustable-rate loans with a state-aware monthly payment breakdown.
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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 6.76%; 15-year fixed 6.09%. 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.
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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.
U.K. mortgage assumptions & sources
Choose repayment or interest-only. Enter the fixed-deal or rate-reset period separately from the full mortgage term, and enter a possible subsequent rate. Interest-only leaves a lump sum to repay at the end. Monthly estimates use the annual rate divided by 12; lender daily calculations may differ.
Enter council tax or domestic rates, insurance and service charges as separate housing expenses. Enter the applicable property-purchase tax and legal fees as upfront costs; selecting England, Scotland, Wales or Northern Ireland does not calculate tax reliefs or rates.
Source checked September 14, 2026: MoneyHelper mortgage interest-rate options.
Australian home-loan assumptions & sources
Interest is estimated from actual elapsed days with a 365-day divisor, settled on each repayment date. Lender monthly posting, rounding and leap-year conventions can differ. Payments are a standard periodic estimate. A constant 100% offset reduces the interest-bearing balance on eligible variable or interest-only scenarios.
Interest-only changes to principal-and-interest after the entered period. Use lender quotes for lenders mortgage insurance (LMI), property rates, stamp duty and fees. A zero premium means it is excluded, not that an exemption applies.
Sources checked September 14, 2026: ASIC MoneySmart offset accounts, interest-only home loans.
Indian home-loan assumptions & sources
EMI is estimated on a monthly reducing balance. For floating-rate loans, enter a reset date as years from the start and a possible new rate. Compare keeping the original payoff date with a changed EMI against keeping the EMI and changing the term. An EMI that does not cover interest produces an error.
One rate change is modeled. State selection records the property location; stamp duty, registration, lender fees, property tax and insurance use your entries. Lender benchmark spreads, eligibility and actual daily accrual are not inferred.
Source checked September 14, 2026: RBI 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.
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