Calculadora de hipotecas
Calcule el pago mensual de su hipoteca, incluido el capital, los intereses, los impuestos, el seguro y el PMI.
Detalles del préstamo
Los resultados de su hipoteca
Ingrese los detalles de su préstamo y haga clic en Calcular para ver el desglose de sus pagos mensuales.
Calculador...
Error
Pago Mensual
$0
Principal e interés
$0
PMI
$0
Monto del préstamo
$0
Interés total
$0
Costo Total
$0
Fecha de pago
-
Ahorros en pagos adicionales
Ahorras $0 en intereses y liquidación 0 meses antes!
Desglose de pagos
Calendario de amortización
| # | Fecha | Pago | Principal | Interés | Balance |
|---|
Guía de usuario completa
What is a Mortgage?
A mortgage is a loan used to purchase or maintain real estate. The borrower agrees to pay the lender over time, typically in a series of regular payments that are divided into principal and interest. The property serves as collateral to secure the loan. Mortgages are the most common way people finance their homes, and understanding how they work can save you tens of thousands of dollars over the life of your loan.
M = P × [r(1+r)ⁿ] / [(1+r)ⁿ - 1]
Where M = Monthly Payment, P = Principal (loan amount), r = Monthly Interest Rate (annual rate ÷ 12), and n = Total Number of Payments (loan term in years × 12). This formula determines the fixed monthly payment needed to fully amortize the loan over the specified term.
Understanding PITI (Monthly Payment Components)
Principal
The portion of your payment that reduces your loan balance. In the early years, only a small fraction goes to principal. Over time, as interest decreases, more goes toward paying down the loan.
Interés
The cost charged by the lender for borrowing money. Interest is calculated on the remaining loan balance, so early payments are mostly interest. On a $320,000 loan at 6.5%, you'll pay roughly $408,000 in interest over 30 years.
Taxes (Property Tax)
Annual property taxes assessed by local government, typically 0.5% to 2.5% of your home's assessed value. Often collected monthly by your lender and held in an escrow account until due.
Insurance (Homeowners Insurance)
Protects your home against damage from fire, storms, theft, and other hazards. Lenders require this insurance to protect their investment. Average costs range from $1,000-$3,000 per year depending on location and coverage.
PMI (Private Mortgage Insurance)
Required when your down payment is less than 20% of the home price. PMI typically costs 0.3% to 1.5% of the original loan amount per year. It automatically drops off when your loan-to-value ratio reaches 78%.
Cómo utilizar esta calculadora
- Enter the total purchase price of the home
- Set your down payment amount or percentage (20% avoids PMI)
- Choose your loan term — 15 or 30 years are most common
- Enter the annual interest rate from your lender
- Optionally expand 'Taxes & Costs' for a complete PITI calculation
- Optionally add extra payments to see how they reduce total interest
- Click 'Calculate' to view your monthly payment breakdown and amortization schedule
- Switch between Monthly and Yearly views in the amortization table
Comprender sus resultados
Pago Mensual
Your total monthly payment including principal, interest, taxes, insurance, PMI, and HOA fees. This is the full amount you'll pay each month to your lender.
Interés total
The total amount of interest you'll pay over the entire life of the loan. On a 30-year mortgage, total interest often exceeds the original loan amount.
Costo Total
The complete cost of your mortgage including principal, interest, taxes, insurance, PMI, HOA, and any other costs over the full loan term.
Calendario de amortización
A month-by-month (or year-by-year) breakdown showing how each payment is divided between principal and interest, along with the remaining loan balance. Notice how early payments are mostly interest, while later payments shift toward principal.
Payment Breakdown Chart
A visual doughnut chart showing how your total monthly payment is distributed among principal & interest, property tax, insurance, PMI, and other costs.
Mortgage Payment Formula
The standard mortgage amortization formula calculates fixed monthly payments:
Fixed-Rate Mortgage:
M = P × [r(1 + r)ⁿ] / [(1 + r)ⁿ − 1]
Dónde:
- M = Pago Mensual
- P = Principal (Loan Amount)
- r = Monthly Interest Rate (Annual Rate ÷ 12 ÷ 100)
- n = Total Payments (Loan Term in Years × 12)
Common Mortgage Types
Understanding different mortgage types helps you choose the best option for your financial situation.
| Tipo | Término | Best For |
|---|---|---|
| 30-Year Fixed | 30 años | Lowest monthly payment, most popular choice |
| 15-Year Fixed | 15 años | Lower total interest, faster equity building |
| 20-Year Fixed | 20 años | Balance between payment size and interest savings |
| 10-Year Fixed | 10 años | Highest payments, lowest total interest cost |
| FHA Loan | 15-30 años | Low down payment (3.5%), lower credit scores |
| VA Loan | 15-30 años | No down payment, no PMI for veterans |
| ARM (Adjustable) | 5/1, 7/1, 10/1 | Lower initial rate, adjusts after fixed period |
Notas importantes
- This calculator provides estimates for educational purposes. Actual mortgage payments may vary based on your lender's specific terms and conditions.
- Property taxes and insurance costs vary significantly by location. Contact your local tax assessor and insurance agent for accurate figures.
- Interest rates change daily. Get pre-approved by multiple lenders to find the best rate available to you.
- Additional costs like closing fees (2-5% of loan), home inspection, and appraisal fees are not included in this calculation.
Risks of Over-Borrowing
Borrowing more than you can afford increases the risk of:
- Being house-poor — too much income goes to housing
- Difficulty handling unexpected expenses or job loss
- Risk of foreclosure if payments become unmanageable
- Higher total interest paid over the life of the loan
- Less money available for retirement savings and investments
- Increased financial stress and reduced quality of life
Money-Saving Strategies
Smart strategies to reduce your mortgage costs:
- Put 20% down to avoid PMI ($100-300/month savings)
- Improve credit score for lower interest rates
- Make biweekly payments (equals 13 monthly payments/year)
- Add even small extra payments toward principal
- Shop at least 3 lenders — 0.25% rate difference saves thousands
- Consider refinancing when rates drop by 0.75% or more