China
United States
Canada
United Kingdom
Australia30-year or 15-year?
30-year keeps payments low but costs more interest; 15-year usually has a lower rate and roughly half the total interest, ideal when cash flow allows.
United States Mortgage Calculator
Enter price, down payment, rate and term to estimate monthly costs and repayment plan.
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基于您输入的参数计算，实际结果以银行/贷款机构为准。
还款计划明细
| 期数 | 还款额 | 本金 | 利息 | 剩余本金 |
|---|
支持的国家
选择国家查看对应的房贷计算规则与参数默认值。
How US Mortgages Work
US mortgages are dominated by 30-year and 15-year fixed-rate loans. Rates are quoted annually and compounded monthly (monthly rate = annual rate ÷ 12). The national average 30-year fixed rate was about 6.9% in September 2026; your rate depends on credit score, down payment and loan type.
Beyond principal and interest, typical payments include property tax and home insurance; some communities add HOA fees. Below 20% down, private mortgage insurance (PMI) usually applies at roughly 0.3%–1% of the loan per year.
This calculator supports monthly, bi-weekly and accelerated bi-weekly frequencies so you can compare total interest across schedules.
Key Points
· Monthly rate = Annual rate ÷ 12
· LTV = Loan amount ÷ Home price
· Below 20% down, PMI typically costs 0.3%–1% of the loan per year
· Accelerated bi-weekly pays half the monthly payment every two weeks — one extra monthly payment per year
Example: price $400,000, 20% down, 6.9% rate, 30 years → loan $320,000, payment ≈ $2,108/month (excluding tax & insurance).
Key Terms
LTV：The loan as a share of the home price. A higher LTV usually means a higher rate and PMI cost.
PMI：Private mortgage insurance required below 20% down, roughly 0.3%-1% of the loan per year.
Rate source: Freddie Mac Primary Mortgage Market Survey
Disclaimer: Results are for reference only and do not constitute financial, legal or investment advice. Actual rates, fees, insurance and policies depend on your local lender and regulator; results may differ due to rounding and lender formulas.
Mortgage Rules Compared
The same logic adapted to each country's rate convention, minimum down payment and mandatory insurance. Click a country to switch.
| Country | Min down | Compounding | Mortgage insurance | Typical term |
|---|---|---|---|---|
| China | 15%+ | Monthly | None | Up to 30 yr |
| United States | 3%+ | Monthly | PMI if LTV>80% | 15 / 30 yr |
| Canada | 5%+ | Semi-annual | CMHC below 20% | 25 yr |
| United Kingdom | 5%+ | Monthly | None | 2/5-yr fix + 25 yr |
| Australia | 5%+ | Monthly | LMI if LVR>80% | Up to 30 yr |
常见问题
What is PMI and can I avoid it?
PMI protects the lender when your down payment is below 20%. Avoid it by putting 20%+ down or choosing products such as VA loans.
How do I estimate tax and insurance?
Property tax is typically 0.5%–2% of the home value per year and insurance about 0.25%–0.6%, varying by state. Enter local figures for a more accurate payment.
What is the benefit of bi-weekly payments?
Paying half the monthly amount every two weeks means 26 half-payments a year — one extra monthly payment annually, shortening the term and cutting interest.
Does this equal my lender's quote?
No. Your final rate and fees depend on credit, lender, product and market conditions. Use the Loan Estimate from your lender as the authoritative figure.