🇺🇸 US Mortgage Calculators 2026
Free mortgage and property investment calculators for US buyers and investors. DTI-based affordability, repayment schedules, rent vs buy analysis and cap rate calculations — no sign-up required.
US Property Tools
Mortgage Affordability (US)
DTI-based calculation using the 28/43 rule. See maximum borrowing for conventional, FHA and jumbo loans.
Check Affordability →Mortgage Repayment (US)
Monthly P&I payments, total interest, amortisation schedule and overpayment savings in USD.
Calculate Payments →Cap Rate Calculator (US)
NOI, capitalisation rate and implied value. Compare against US market benchmarks by property type.
Analyse Investment →Rent vs Buy (US)
Compare total cost of ownership vs renting over 25 years. Find your break-even point.
Compare Now →| Product | Rate (approx.) |
|---|---|
| 30-year fixed | 6.50–7.00% |
| 15-year fixed | 5.75–6.25% |
| 5/1 ARM | 5.50–6.00% |
| FHA (30yr) | 6.25–6.75% |
| VA loan | 5.75–6.25% |
Federal Funds Rate: 4.25–4.50% (2026). Rates vary by state, credit score and LTV.
Conventional Loans:
- Front-end DTI: ≤ 28%
- Back-end DTI: ≤ 43%
- Min. down payment: 3–20%
FHA Loans:
- Max DTI: up to 50% (with factors)
- Min. down payment: 3.5% (620+ score)
- MIP required
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