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Advanced USA Mortgage Calculator (With Taxes, Insurance & PMI)

Planning to buy a home in the United States? This Advanced USA Mortgage Calculator helps you accurately estimate your monthly mortgage payment by including principal, interest, property taxes, homeowners insurance, PMI, and HOA fees.

Unlike basic mortgage tools, this calculator provides a complete cost breakdown, making it ideal for home buyers, real estate agents, and property investors who want realistic monthly payment estimates.

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💰 What Is a Mortgage?

A mortgage is a loan used to purchase or refinance a home. You repay it through monthly installments over a fixed term, typically 15, 20, or 30 years.

Your monthly mortgage payment usually includes:

• Principal: The amount you borrowed
• Interest: The cost of borrowing money
• Property Taxes: Local government taxes
• Home Insurance: Protection for your home
• PMI: Required if down payment is below 20%
• HOA Fees: Community maintenance fees (if applicable)

Use this calculator to understand your true monthly home loan cost before committing to a mortgage.

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🏡 Advanced Mortgage Calculator

Enter your loan details below and click Calculate Payment to instantly see your estimated monthly mortgage cost.

Home Price ($) Down Payment ($) Loan Term (Years) 30 Years 20 Years 15 Years Interest Rate (%) Annual Property Tax ($) Annual Home Insurance ($) PMI (%) HOA Fees ($/month)

Total Monthly Payment:

Principal & Interest:

Taxes & Insurance:

PMI & HOA:

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📈 Why Use This Mortgage Calculator?

• See your true monthly mortgage cost
• Compare loan terms and interest rates
• Plan your budget with confidence
• Ideal for buyers, agents, and investors

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❓ Frequently Asked Questions

Does this calculator include taxes and insurance?

Yes, it includes property taxes, homeowners insurance, PMI, and HOA fees.

Is this mortgage calculator free?

Yes, this tool is 100% free and works on desktop and mobile devices.

Are the results accurate?

Results are estimates. Actual mortgage terms may vary based on lender, credit score, and location.

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⚠️ Disclaimer

This mortgage calculator provides estimates for informational purposes only. Always consult a licensed mortgage professional before making financial decisions.

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