What is included in the total monthly payment?

Principal and interest (the actual loan payment), property taxes, homeowner's insurance, and PMI if your down payment is under 20%. This gives you the real cost of owning the home each month.

What is PMI and when does it go away?

Private Mortgage Insurance (PMI) is required when your down payment is less than 20%. It typically costs 0.3-1.5% of the loan annually. PMI automatically drops off when you reach 20% equity (80% LTV).

How much down payment do I need?

A 20% down payment avoids PMI and results in lower monthly payments. However, many loans allow 3-5% down. FHA loans require 3.5% minimum.

What does a mortgage payment actually include?

A full mortgage payment is often described as PITI: Principal (reduces your loan balance), Interest (lender's fee), Taxes (property tax collected in escrow), and Insurance (homeowner's insurance plus PMI if your down payment is under 20%). This calculator shows principal and interest only — add your local tax and insurance estimates to get your true monthly cost.

When can I remove PMI?

Private Mortgage Insurance (PMI) is required when your down payment is below 20% and typically costs 0.5–1.5% of the loan per year. You can request cancellation once your equity reaches 20% through payments or appreciation. Lenders are legally required to automatically cancel PMI when your balance drops to 78% of the original purchase price.

房贷计算器

计算您的每月房贷还款额（本金+利息）。

房价

首付

年利率

贷款期限

年房产税率

年房屋保险

PMI费率（首付<20%时）

每月总还款额

$2,337.85

本金和利息$1,862.85

房产税$350.00

房屋保险$125.00

贷款金额$280,000.00

首付$70,000.00 (20.0%)

总利息$390,624.92

总费用（全部）$841,624.92

本金

总利息

年-by-年 (30 years)

年	Remaining	本金	总利息
年 1	$277,155.73	$2,844.27	$19,509.90
年 2	$274,105.85	$3,049.88	$19,304.28
年 3	$270,835.50	$3,270.36	$19,083.81
年 4	$267,328.73	$3,506.77	$18,847.39
年 5	$263,568.45	$3,760.27	$18,593.89
年 6	$259,536.35	$4,032.11	$18,322.06
年 7	$255,212.76	$4,323.59	$18,030.58
年 8	$250,576.62	$4,636.14	$17,718.02
年 9	$245,605.33	$4,971.29	$17,382.88
年 10	$240,274.67	$5,330.66	$17,023.50
年 11	$234,558.66	$5,716.01	$16,638.15
年 12	$228,429.43	$6,129.23	$16,224.94
年 13	$221,857.13	$6,572.31	$15,781.86
年 14	$214,809.70	$7,047.42	$15,306.74
年 15	$207,252.83	$7,556.88	$14,797.28
年 16	$199,149.66	$8,103.17	$14,251.00
年 17	$190,460.71	$8,688.95	$13,665.22
年 18	$181,143.64	$9,317.07	$13,037.09
年 19	$171,153.04	$9,990.60	$12,363.56
年 20	$160,440.22	$10,712.82	$11,641.34
年 21	$148,952.97	$11,487.25	$10,866.91
年 22	$136,635.30	$12,317.67	$10,036.50
年 23	$123,427.18	$13,208.11	$9,146.05
年 24	$109,264.25	$14,162.93	$8,191.23
年 25	$94,077.49	$15,186.77	$7,167.40
年 26	$77,792.87	$16,284.62	$6,069.54
年 27	$60,331.03	$17,461.84	$4,892.33
年 28	$41,606.87	$18,724.16	$3,630.01
年 29	$21,529.15	$20,077.73	$2,276.44
年 30	$0.00	$21,529.15	$825.02

On a $350,000.00 home with $70,000.00 (20.0%) down at 7.00%: P&I is $1,862.85/mo, plus $350.00 tax, $125.00 insurance. Total: $2,337.85/month. Over 30 years you'll pay $390,624.92 in interest.

假设分析

年利率$2,337.85

年房产税率$2,337.85

PMI费率（首付<20%时）$2,337.85

Most people underestimate their all-in monthly cost by 30–40% when they only look at principal + interest.

Try next

Net Worth Calculator

Track whether this home purchase moves your net worth forward

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关于此计算器

此计算器帮助您估算每月本金和利息还款额。在做出人生最重大财务决策之前，比较不同房价、首付和利率方案。

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常见问题

此计算器不包含哪些费用？

仅显示本金和利息。实际月还款还包括房产税、房屋保险及（如适用）抵押贷款保险。

需要多少首付？

20%首付可避免额外保险费用并降低月还款。但许多贷款允许5-10%的首付。

📖

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For informational purposes only. Calculator results are estimates based on the inputs you provide. This is not financial, investment, tax, or legal advice. Consult a qualified financial professional before making major financial decisions.

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