Free Mortgage Calculators for Every Need

Over 6,000+ calculators for all loan amounts, terms, and types

Mortgage Calculator USA - Complete Directory

Welcome to the most comprehensive collection of mortgage calculators online. Whether you're buying your first home, refinancing, or exploring different loan options, we have the perfect calculator for you. All calculators are free to use with detailed amortization schedules.

Calculators by Loan Amount

$100,000 - $200,000 Mortgages

$119,000 Mortgage $129,000 Mortgage $130,000 Mortgage $140,000 Mortgage $159,000 Mortgage $160,000 Mortgage $165,000 Mortgage $169,000 Mortgage $170,000 Mortgage $175,000 Mortgage $180,000 Mortgage $185,000 Mortgage $190,000 Mortgage

$200,000 - $300,000 Mortgages

$200,000 Mortgage $220,000 Mortgage $230,000 Mortgage $250,000 Mortgage $275,000 Mortgage $299,000 Mortgage $300,000 Mortgage

$300,000 - $500,000 Mortgages

$329,000 Mortgage $345,000 Mortgage $365,000 Mortgage $380,000 Mortgage $385,000 Mortgage $390,000 Mortgage $400,000 Mortgage $410,000 Mortgage $420,000 Mortgage $425,000 Mortgage $465,000 Mortgage $475,000 Mortgage

$500,000 - $1,000,000 Mortgages

$525,000 Mortgage $540,000 Mortgage $550,000 Mortgage $560,000 Mortgage $575,000 Mortgage $580,000 Mortgage $600,000 Mortgage $625,000 Mortgage $675,000 Mortgage $700,000 Mortgage $750,000 Mortgage $800,000 Mortgage $850,000 Mortgage $900,000 Mortgage $950,000 Mortgage

$1,000,000+ Million Dollar Mortgages

$1 Million Mortgage $1.1 Million Mortgage $1.2 Million Mortgage $1.3 Million Mortgage $1.5 Million Mortgage $1.6 Million Mortgage $1.7 Million Mortgage $2 Million Mortgage $3 Million Mortgage

Calculators by Loan Term

10-Year Mortgages

10 Year Loan Calculator 10 Year Mortgage 10 Year Refinance 10 Year Second Mortgage

15-Year Mortgages

15 Year Mortgage 15 Year Home Mortgage 15 Year FHA Mortgage 15 Year VA Mortgage 15 Year Refinance 15 Year with Extra Payment 15 Year Biweekly

20-Year Mortgages

20 Year Mortgage 20 Year Fixed Rate 20 Year Refinance 20 Year Biweekly 20 Year Commercial

30-Year Mortgages

30 Year Home Mortgage 30 Year Conventional 30 Year Refinance 30 Year Commercial 30 Year Interest Only 30 Year with Extra Payments

40-Year & Extended Term Mortgages

40 Year Fixed Mortgage 40 Year FHA Mortgage 40 Year Home Mortgage 45 Year Mortgage 50 Year Fixed Rate

15 vs 30 Year Comparison

15 and 30 Year Comparison 15 or 30 Year Calculator 15 vs 20 Year 30 vs 20 Year

Calculators by Loan Type

ARM (Adjustable Rate Mortgage) Calculators

10/1 ARM Mortgage 5/5 ARM Mortgage 5 Year ARM 7 Year ARM 10 Year ARM ARM with Extra Payments

FHA Mortgage Calculators

FHA 203k Mortgage FHA Monthly Payment FHA California FHA with MIP FHA Streamline Accurate FHA Calculator

VA Loan Calculators

15 Year VA Loan VA Mortgage Bankrate VA California Current VA Rates Free VA Calculator

Interest Only Mortgages

Interest Only USA 5 Year Interest Only 7 Year Interest Only Interest Only Balloon Interest Only with Extra Payments

Commercial Mortgage Calculators

Commercial USA Commercial California Commercial Florida Commercial Balloon Commercial Interest Only

Biweekly Payment Calculators

Accelerated Biweekly Biweekly Excel Biweekly with Extra Payments Biweekly with Taxes

Special & Advanced Calculators

Reverse Mortgage Calculators

AARP Reverse Mortgage Anonymous Reverse Mortgage Generic Reverse Mortgage Government Reverse HECM Calculator

Down Payment Calculators

0% Down Payment Zero Deposit 5% Down Payment 10% Down Payment 20% Down Payment

Extra Payment & Payoff Calculators

$100 Extra Payment Adding Extra Payments Dave Ramsey Early Payoff How to Pay Off Mortgage Extra Payoff Calculator

First Time Home Buyer Calculators

First Time Buyer First Time Home Buyers First Time Homebuyer Buying a Home

Bank-Specific Calculators

Bank of America Refinance Chase Extra Payments Citibank Home Bankrate Refinance Google Amortization

About Our Free Mortgage Calculators

Welcome to Mortgage Calculator USA, your comprehensive resource for free online mortgage payment calculators. Whether you're a first-time homebuyer exploring your options, a current homeowner looking to refinance, or an investor analyzing property investments, our extensive collection of over 6,000 specialized calculators has exactly what you need.

Why Use Our Mortgage Calculators?

  • Comprehensive Coverage: From $100,000 starter homes to multi-million dollar properties, we have calculators for every price range.
  • All Loan Types: FHA, VA, Conventional, ARM, Interest-Only, Commercial, and more.
  • Detailed Results: Get full amortization schedules, monthly payment breakdowns, and total interest calculations.
  • PITI Calculations: Our calculators include Principal, Interest, Taxes, and Insurance for complete payment estimates.
  • 100% Free: No registration required, no personal information needed, completely free to use.

Understanding Your Mortgage Payment

Your monthly mortgage payment consists of several components, commonly known as PITI:

  • Principal: The portion that reduces your loan balance
  • Interest: The cost of borrowing money
  • Taxes: Property taxes collected in escrow
  • Insurance: Homeowners insurance and PMI if applicable

Our calculators help you understand exactly how much you'll pay each month and over the life of your loan, empowering you to make informed financial decisions.

Popular Mortgage Types Explained

30-Year Fixed Rate Mortgage: The most popular choice for homebuyers, offering predictable monthly payments over 30 years. While you'll pay more interest overall, the lower monthly payment makes homeownership more accessible.

15-Year Fixed Rate Mortgage: Pay off your home in half the time with significantly less interest. Monthly payments are higher, but you'll build equity faster and save tens of thousands in interest.

FHA Loans: Government-backed loans with lower down payment requirements (as low as 3.5%) and more flexible credit requirements. Perfect for first-time homebuyers.

VA Loans: Exclusive to veterans, active military, and eligible surviving spouses. Often require no down payment and no PMI, making them an excellent benefit for those who've served.

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