mortgage
Calculadora de Hipoteca 2026
2026 mortgage calculator — precise monthly principal & interest payment plus property tax, insurance, HOA, and PMI. Enter a $400K home with 20% down at 7% for 30 years and see monthly payment, total interest, and a complete amortization schedule. Includes affordability solver from your income.
Actualizado:
Cómo usar
- Enter price and down. Home price and your down payment amount.
- Set rate & term. Annual interest rate and term length (typically 15–30 years).
- Add extras. Property tax, home insurance, HOA — optional but realistic.
Funciones clave
Accurate P&I
Standard amortization formula used by US lenders.
Tax + insurance
Adds property tax, home insurance, HOA, PMI to total.
Amortization table
See principal vs interest every month.
Affordability solver
Enter income, get the max home price you can afford.
Compare terms
15 vs 25 vs 30 years with one click.
Visual charts
Bar chart of P vs I plus declining balance line.
¿Por qué Treasury.to?
- ✓Standard amortization formula
- ✓Includes tax, insurance, HOA, PMI
- ✓Per-month payment breakdown
- ✓Income-based affordability solver
- ✓Principal vs interest chart
- ✓Vietnam and international support
Preguntas frecuentes
What's the monthly payment on a $400K home, 20% down, 7% for 30 years?
Loan is $320,000. Monthly principal & interest is roughly $2,129. Total interest over 30 years: about $446,000.
Which term should I pick — 15 or 30 years?
15-year terms save you ~60% of total interest but the monthly payment is ~50% higher. Many borrowers take 30-year for flexibility, then make extra principal payments.
How much down payment is enough?
In the US, below 20% triggers PMI (~0.5–1% of the loan annually). 20% is the sweet spot. In Vietnam, banks typically require at least 30%.
What share of income should mortgage take?
Use the 28/36 rule: housing ≤ 28% of gross income, total debt ≤ 36%. Our affordability tool reverses this to a max home price.
Should I prepay the principal?
Prepaying reduces total interest since interest is charged on the remaining balance. Check your contract for a prepayment penalty before doing so.