Nominal estimated rate. Excludes PMI, insurance, taxes, fees or indexation.
Typical mortgage terms are 15–30 years.
Enter home price and down payment
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US Mortgage Calculator — 2026
Free US mortgage calculator 2026. Calculate monthly payment, LTV ratio, and total cost.
US Mortgage Guide 2026 — Everything You Need to Know
A mortgage is a home loan typically spanning 15–30 years. Lenders evaluate your credit score, debt-to-income ratio, and down payment to determine eligibility and rate.
Key 2026 Guidelines
Conventional: 3–20% down payment
FHA: 3.5% down (lower credit OK)
VA: 0% down for eligible veterans
PMI required if LTV > 80%
Common Rate Types
30-year fixed: ~6.5–7.5% (2026)
15-year fixed: ~5.8–6.8%
ARM: lower initial, adjusts after 5–7 years
💡 Useful Tips
Get pre-approved before house hunting.
Compare rates from at least 3 lenders.
A 15-year mortgage saves significantly on total interest despite higher payments.
Budget for property taxes, insurance, and maintenance — not just the mortgage payment.