How to use the 모기지 계산기?

Use our free 모기지 계산기 to 원리금, 재산세, 보험, pmi, hoa 비용을 포함한 월 모기지 상환액을 계산하세요. 상환 일정과 추가 상환으로 인한 절약 효과를 확인하세요.

Is the 모기지 계산기 free to use?

Yes, our 모기지 계산기 is completely free to use with no registration required.

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모기지 계산기

원리금, 재산세, 보험, PMI, HOA 비용을 포함한 월 모기지 상환액을 계산하세요. 상환 일정과 추가 상환으로 인한 절약 효과를 확인하세요.

주택 가격 ($)

계약금 (20.0%)

대출 기간

금리 (%)

시작일

세금 및 비용 포함

연간 재산세 ($)

연간 주택 보험료 ($)

PMI율 (%)

연간 HOA 비용 ($)

기타 연간 비용 ($)

추가 상환

월 상환액

$2,880.95

원리금 70% 재산세 14% 보험 4% 기타 12%

	월액	합계
모기지 상환액 (원리금)	$2,022.62	$728,142.36
재산세	$400.00	$144,000.00
주택 보험	$125.00	$45,000.00
기타 비용	$333.33	$120,000.00
총 상환액	$2,880.95	$1,037,142.36

주택 가격

$400,000.00

대출 금액

$320,000.00

계약금

$80,000.00(20%)

총 이자

$408,142.36

모기지 총 상환액 (30년)

$728,142.36

상환 완료일

Aug 2056

모기지 상환 공식

\text{PMT} = P \times \frac{r(1+r)^t}{(1+r)^t - 1}

$P$ 는 대출 금액,, $r$ 는 월이자율,, $t$ 는 총 상환 횟수

상환 일정

년	날짜	이자	원금	기말 잔액
1	Aug 2027	$20,694.69	$3,576.72	$316,423.28
2	Aug 2028	$41,149.84	$7,392.98	$312,607.02
3	Aug 2029	$61,349.41	$11,464.83	$308,535.17
4	Aug 2030	$81,276.28	$15,809.37	$304,190.63
5	Aug 2031	$100,912.19	$20,444.87	$299,555.13
6	Aug 2032	$120,237.65	$25,390.82	$294,609.18
7	Aug 2033	$139,231.87	$30,668.02	$289,331.98
8	Aug 2034	$157,872.66	$36,298.63	$283,701.37
9	Aug 2035	$176,136.37	$42,306.34	$277,693.66
10	Aug 2036	$193,997.73	$48,716.40	$271,283.60
11	Aug 2037	$211,429.79	$55,555.74	$264,444.26
12	Aug 2038	$228,403.81	$62,853.14	$257,146.86

How to Use

1
Enter the home price and your down payment amount — the calculator shows the down payment percentage
2
Select your loan term (10, 15, 20, or 30 years) and enter the annual interest rate
3
Optionally set a start date for the amortization schedule
4
Check "Include Taxes & Costs" to add property tax, homeowner's insurance, PMI, HOA fees, and other annual costs
5
Check "Extra Payments" to add recurring extra payments and see how much interest you can save
6
View your total monthly payment, cost breakdown chart, amortization schedule, and payoff date
7
Understanding the key inputs — PITI stands for Principal, Interest, Taxes, and Insurance, which together make up your true monthly housing cost
8
Interpreting the results — the breakdown chart shows what portion of each payment goes to the bank vs. building equity, and how much of the early years is mostly interest

예시

좋은 예시

$400,000 home, 20% down, 6.5% for 30 years

Loan: $320,000. Monthly P&I: $2,022.84. Total interest: $408,222

Same mortgage with $4,800/yr property tax and $1,500/yr insurance

Monthly payment: $2,547.84. Total out-of-pocket: $916,222

FHA loan: $300,000 home, 3.5% down, 7% for 30 years

Loan: $289,500. Monthly P&I: $1,926.13. PMI required (down < 20%)

Comparing 15-year vs 30-year mortgage ($350,000 at 6%)

15-year: $2,954/mo, total interest $181,718. 30-year: $2,098/mo, total interest $405,428. 15-year saves $223,710

How extra payments reduce your payoff date

$400K at 6.5% for 30 years + $200/month extra: saves $94,000 in interest and pays off 5 years early

나쁜 예시

Forgetting property tax and insurance

Your actual monthly payment is much higher than just P&I — budget for all costs

Ignoring PMI with low down payment

Down payments under 20% require PMI, adding $50-$200+/month to your payment

Not comparing 15-year vs 30-year terms

A 15-year term has higher payments but can save $100,000+ in total interest

Only looking at the interest rate and ignoring closing costs

Closing costs typically add 2-5% of the loan amount — factor these into your total cost comparison

흔한 실수

Only looking at the P&I payment — property tax, insurance, and PMI significantly increase the total monthly cost
Forgetting about PMI — required when down payment is less than 20% of home price
Not accounting for HOA fees — these can add $100-$500+ per month
Ignoring the amortization schedule — early payments are mostly interest, very little goes to principal
Not considering extra payments — even small extra payments can save tens of thousands in interest
Confusing property tax and insurance costs — these are annual amounts, not monthly
Assuming you can afford the home based on pre-qualification alone — budget for maintenance, repairs, and unexpected costs
Not comparing total cost of 15-year vs 30-year — the lower monthly payment of a 30-year comes at a steep total interest cost

자주 묻는 질문

What is included in my monthly mortgage payment?

Your monthly payment typically includes four components: Principal & Interest (P&I), property taxes, homeowner's insurance, and PMI (if your down payment is less than 20%). This is often called PITI. Some homeowners also pay HOA fees separately.

What is PMI and when do I need it?

PMI (Private Mortgage Insurance) is required when your down payment is less than 20% of the home price. It protects the lender if you default. PMI typically costs 0.3% to 1.9% of the loan amount per year and can be removed once your loan-to-value ratio reaches 80%.

Should I choose a 15-year or 30-year mortgage?

A 15-year mortgage has higher monthly payments but significantly lower total interest. A 30-year mortgage offers lower payments but costs much more in interest over time. Choose 15 years if you can comfortably afford the higher payment; choose 30 years for lower monthly obligations and more flexibility.

How do extra payments help?

Extra payments go directly toward principal, reducing your balance faster. This means less interest accrues each month, saving you money and shortening your loan term. Even $100 extra per month can save tens of thousands in interest over the life of the loan.

Should I pay extra each month or invest the money?

This depends on your mortgage rate vs expected investment returns. If your mortgage rate is 6.5% and you expect 7-10% from investing, investing may be better financially. However, paying off your mortgage provides guaranteed savings and peace of mind. Consider your risk tolerance and financial goals.

How to calculate mortgage payment with a down payment included?

Subtract your down payment from the home price to get the loan amount, then enter that along with the interest rate and loan term. For example, a 400,000 USD home with a 20% down payment (80,000 USD) means a loan amount of 320,000 USD. A larger down payment also eliminates PMI, further reducing your monthly cost.

How does interest rate affect my total mortgage cost?

Even a small difference in interest rate has a huge impact over 30 years. On a 300,000 USD mortgage, the difference between a 6% and 7% rate is roughly 200 USD per month and over 70,000 USD in total interest. Shopping around for the best rate is one of the most important steps when getting a mortgage.

How much house can I afford based on my salary?

A common guideline is that your total monthly housing costs (PITI) should not exceed 28% of your gross monthly income. On a 70,000 USD salary, that means roughly 1,633 USD per month for housing. Depending on your rate and down payment, this could support a home priced between 250,000 and 350,000 USD.

Fixed-rate vs adjustable-rate mortgage — which is better?

A fixed-rate mortgage keeps the same rate for the entire term, giving you predictable payments. An adjustable-rate mortgage (ARM) typically starts with a lower rate that can change after an initial period. Choose fixed if you plan to stay long-term; an ARM can save money if you plan to sell or refinance within a few years.

What is an escrow account and how does it affect my payment?

An escrow account is set up by your lender to collect monthly portions of your property taxes and insurance premiums. The lender pays these bills on your behalf when they come due. This is included in your monthly mortgage payment, which is why it may be higher than the principal and interest alone.