FHA & VA Mortgage Calculator

Mortgage Calculator: FHA, VA, USDA, PMI, Refinance & Affordability

MortgageUS is a complete mortgage calculator for home buyers, homeowners, real estate investors, and mortgage professionals.

Calculate monthly payments, PITI, PMI, FHA, VA, USDA, jumbo loans, affordability, refinance savings, amortization schedules, closing costs, and more.

Unlike basic mortgage calculators, MortgageUS includes specialized tools for FHA loans, VA loans, USDA loans, PMI tracking, DTI analysis, closing costs by state, HELOC calculations, ARM mortgages, and refinance planning.

🏠 MORTGAGE CALCULATOR

Calculate:

• Principal & Interest (P&I)
• Property Taxes
• Home Insurance
• HOA Fees
• PMI
• Full PITI Payment

Results update instantly as you type.

🏦 FHA • VA • USDA • JUMBO

Support for all major US mortgage types:

• Conventional Loans
• FHA Loans with MIP calculations
• VA Loans with Funding Fees
• USDA Loans with Guarantee Fees
• Jumbo Loans

Perfect for first-time home buyers and government-backed loan programs.

📊 AMORTIZATION SCHEDULE

View:

• Monthly amortization schedule
• Yearly amortization schedule
• Principal vs interest breakdown
• PMI removal date
• Payoff milestones

⚖️ COMPARE LOAN OPTIONS

Compare:

• 30 Year vs 15 Year Mortgage
• ARM Scenarios
• Refinance Scenarios
• Extra Payment Strategies

See interest savings and payoff acceleration instantly.

🧰 SPECIALIZED TOOLS

• Affordability Calculator
• DTI Calculator
• PMI Calculator
• Refinance Calculator
• Closing Costs by State
• HELOC Calculator
• Discount Points Calculator
• Investment Return Calculator
• FHA Calculator
• VA Calculator
• USDA Calculator

📍 CLOSING COSTS BY STATE

Estimate buyer and seller closing costs for all 50 US states and Washington DC.

Includes:

• Transfer Taxes
• Recording Fees
• Title Insurance
• Lender Costs

💡 SMART FEATURES

• Reverse Mortgage Solver
• Rate Stress Testing
• Smart Insights
• Affordability Analysis
• Automatic Loan Comparisons

📄 PDF EXPORT

Generate professional mortgage reports including:

• Payment Summary
• Amortization Schedule
• Charts & Graphs
• Loan Comparison Reports

💰 FREE & PREMIUM

Free:

• All mortgage calculators
• FHA, VA, USDA support
• Loan comparisons
• Auto-save history
• English & Spanish

Premium ($4.99 One-Time):

• Unlimited History
• Full 30-Year Amortization
• Unlimited PDF Export
• Ad-Free Experience

🇺🇸 🇲🇽 ENGLISH & SPANISH

Full bilingual support throughout the entire application.

Works offline. No account required.

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⚠️ INDEPENDENT APP — NOT A GOVERNMENT SERVICE

MortgageUS is an independently developed application. It is not affiliated with, endorsed by, authorized by, or operated by the U.S. government or any government agency, including HUD/FHA, the U.S. Department of Veterans Affairs (VA), USDA, or FHFA.

Government-related mortgage information and calculations are provided for informational and estimation purposes only.

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🏛️ OFFICIAL GOVERNMENT SOURCES

For current and authoritative information about U.S. government-backed mortgage programs, please refer to the official government sources below:

• FHA / U.S. Department of Housing and Urban Development (HUD)
https://www.hud.gov/fha

• VA Home Loans / U.S. Department of Veterans Affairs
https://www.va.gov/housing-assistance/home-loans/funding-fee-and-closing-costs/

• USDA Rural Development — Single Family Housing Guaranteed Loan Program
https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-guaranteed-loan-program

• Federal Housing Finance Agency (FHFA) — Conforming Loan Limits
https://www.fhfa.gov/data/conforming-loan-limit

MortgageUS does not represent any of these government agencies. Program requirements, fees, limits, and other government information may change. Always verify current information directly with the applicable government agency or a qualified mortgage professional.