A mortgage is more than principal and interest: property tax, insurance and HOA fees are usually collected with the monthly payment. This calculator takes the home price, down payment, rate, term and those extras, then reports the full monthly payment plus an amortization schedule.
A larger down payment reduces the loan amount and can eliminate private mortgage insurance (typically required below 20% down). The schedule table shows how equity builds over the years.
Frequently asked questions
How much do I need for a 20% down payment?
20% of the purchase price — for a $400,000 home that is $80,000, enough to avoid private mortgage insurance.
What are escrow payments?
Property tax and insurance collected monthly by the lender and paid on your behalf — the "extras" fields in this calculator.
Why is so much of my early payment interest?
Interest accrues on the outstanding balance, which is largest at the start, so the interest share of each payment is highest early on.
中文说明
房贷月供不只是本金加利息：房产税、保险和物业费通常也随月供一起缴纳。本计算器接受房价、首付、利率、期限及这些附加费用，给出完整的月供与摊还计划表。
更高的首付能减少贷款额，并可能免去房贷保险（首付低于 20% 时通常必须购买）。摊还表展示了房屋净值逐年累积的过程。
常见问题
20% 首付需要准备多少钱？
房价的 20%——例如 40 万美元的房子需要 8 万美元，可以免去房贷保险。
什么是 escrow（托管缴费）？
贷款机构每月代收房产税和保险费并代为缴纳，即本计算器中的"附加费用"字段。
为什么前期的还款大多是利息？
利息按未偿余额计算，期初余额最大，因此前期还款中利息占比最高。