US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data.
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https://www.usmortgagecalc.com/mcp11 tools · 362mscalculate_mortgageFull monthly housing cost for a US mortgage: principal and interest, property tax, homeowners insurance, mortgage insurance and HOA dues, plus lifetime totals and payoff timing. Pass a state name to use that state's average property tax rate. This is the right tool for 'what would my payment be on…Full monthly housing cost for a US mortgage: principal and interest, property tax, homeowners insurance, mortgage insurance and HOA dues, plus lifetime totals and payoff timing. Pass a state name to use that state's average property tax rate. This is the right tool for 'what would my payment be on…
| Parameter | Type | Description |
|---|---|---|
| homePrice* | number | Purchase price of the home in US dollars. |
| downPaymentPercent | number | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| annualInterestRatePercent | number | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| loanTermYears | integer | Loan term in years. Most US mortgages are 15 or 30. |
| loanType | string | Loan programme. Affects mortgage insurance and upfront fees. |
| annualInsurance | number | Annual homeowners insurance premium in US dollars. |
| monthlyHoa | number | Monthly homeowners association dues in US dollars. |
| monthlyExtraPrincipal | number | Additional principal paid each month. Shortens the loan rather than lowering the payment. |
| state | string | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| propertyTaxRatePercent | number | Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average. |
calculate_amortizationPayment-by-payment breakdown of how a loan is repaid, showing the split between principal and interest and the falling balance. Use granularity 'monthly' for the first years in detail, 'yearly' for a whole-term overview. Also reports how much sooner extra principal pays the loan off.Payment-by-payment breakdown of how a loan is repaid, showing the split between principal and interest and the falling balance. Use granularity 'monthly' for the first years in detail, 'yearly' for a whole-term overview. Also reports how much sooner extra principal pays the loan off.
| Parameter | Type | Description |
|---|---|---|
| homePrice* | number | Purchase price of the home in US dollars. |
| downPaymentPercent | number | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| annualInterestRatePercent | number | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| loanTermYears | integer | Loan term in years. Most US mortgages are 15 or 30. |
| loanType | string | Loan programme. Affects mortgage insurance and upfront fees. |
| annualInsurance | number | Annual homeowners insurance premium in US dollars. |
| monthlyHoa | number | Monthly homeowners association dues in US dollars. |
| monthlyExtraPrincipal | number | Additional principal paid each month. Shortens the loan rather than lowering the payment. |
| state | string | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| propertyTaxRatePercent | number | Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average. |
| granularity | string | Yearly returns one row per year; monthly returns one row per payment, up to 600 rows. |
calculate_pmiMortgage insurance for any US loan programme, including the upfront charges most calculators omit. Conventional: monthly PMI and the month it cancels at 80% and 78% loan-to-value. FHA: the 1.75% upfront premium, monthly MIP, and whether it runs for the life of the loan or ends after 11 years. VA: t…Mortgage insurance for any US loan programme, including the upfront charges most calculators omit. Conventional: monthly PMI and the month it cancels at 80% and 78% loan-to-value. FHA: the 1.75% upfront premium, monthly MIP, and whether it runs for the life of the loan or ends after 11 years. VA: t…
| Parameter | Type | Description |
|---|---|---|
| homePrice* | number | Purchase price of the home in US dollars. |
| downPaymentPercent | number | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| annualInterestRatePercent | number | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| loanTermYears | integer | Loan term in years. Most US mortgages are 15 or 30. |
| loanType | string | Loan programme. Affects mortgage insurance and upfront fees. |
| monthlyExtraPrincipal | number | Extra principal paid monthly. |
| creditScore | integer | FHA only: sets the minimum down payment. 580+ qualifies for 3.5%. |
| vaSubsequentUse | boolean | VA only: entitlement used before. |
| vaExemptFromFundingFee | boolean | VA only: funding fee waived. |
calculate_property_taxAnnual and monthly property tax for a home, using a state's average effective rate. Also returns how that state ranks nationally and how its rate compares with the national average. For the mechanics behind the number — assessment basis, caps, exemptions, appeal deadlines — use get_state_mortgage_r…Annual and monthly property tax for a home, using a state's average effective rate. Also returns how that state ranks nationally and how its rate compares with the national average. For the mechanics behind the number — assessment basis, caps, exemptions, appeal deadlines — use get_state_mortgage_r…
| Parameter | Type | Description |
|---|---|---|
| homePrice* | number | Home value in US dollars. |
| state* | string | Full US state name, for example "Texas". |
calculate_affordabilityMaximum affordable home price from income, existing debt payments and available down payment, using the 28/36 qualifying ratios. Reports which of the two ratios is the binding constraint, which is the actionable part: a buyer limited by the back-end ratio can raise their budget by clearing debt, on…Maximum affordable home price from income, existing debt payments and available down payment, using the 28/36 qualifying ratios. Reports which of the two ratios is the binding constraint, which is the actionable part: a buyer limited by the back-end ratio can raise their budget by clearing debt, on…
| Parameter | Type | Description |
|---|---|---|
| annualGrossIncome* | number | Household income before tax, in US dollars per year. |
| monthlyDebtPayments | number | Existing minimum monthly debt payments: car loans, student loans, credit card minimums. Excludes housing. |
| downPaymentAmount* | number | Cash available for the down payment, in US dollars. A dollar amount, not a percentage. |
| annualInterestRatePercent | number | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| loanTermYears | integer | Loan term in years. Most US mortgages are 15 or 30. |
| annualInsurance | number | Annual homeowners insurance premium. |
| monthlyHoa | number | Monthly HOA dues. |
| frontEndRatioPercent | number | Maximum housing cost as a share of gross income. 28 is the conservative standard. |
| backEndRatioPercent | number | Maximum total debt as a share of gross income. 36 is conservative; lenders often allow 45 and sometimes 50. |
| state | string | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| propertyTaxRatePercent | number | Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average. |
calculate_refinanceWhether refinancing is worth it: the new payment, monthly saving, and how many months it takes to recover closing costs. Also compares lifetime interest, which catches the common trap where a lower payment costs more overall because the term was reset.Whether refinancing is worth it: the new payment, monthly saving, and how many months it takes to recover closing costs. Also compares lifetime interest, which catches the common trap where a lower payment costs more overall because the term was reset.
| Parameter | Type | Description |
|---|---|---|
| currentBalance* | number | Remaining principal on the existing loan. |
| currentAnnualRatePercent* | number | Interest rate on the existing loan. |
| currentRemainingTermMonths* | integer | Months still to run on the existing loan. |
| newAnnualRatePercent* | number | Interest rate being offered. |
| newTermYears | integer | Loan term in years. Most US mortgages are 15 or 30. |
| closingCosts* | number | Total cost to close the refinance, in US dollars. |
| financeClosingCosts | boolean | Roll closing costs into the new balance instead of paying cash. |
estimate_closing_costsLine-by-line buyer closing costs — lender fees, title, appraisal, transfer taxes, prepaid escrow — plus total cash needed at the table including the down payment. Marks which items are worth shopping for and which are fixed by the county, and adds the FHA upfront premium, VA funding fee or USDA gua…Line-by-line buyer closing costs — lender fees, title, appraisal, transfer taxes, prepaid escrow — plus total cash needed at the table including the down payment. Marks which items are worth shopping for and which are fixed by the county, and adds the FHA upfront premium, VA funding fee or USDA gua…
| Parameter | Type | Description |
|---|---|---|
| homePrice* | number | Purchase price of the home in US dollars. |
| downPaymentPercent | number | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| loanType | string | Loan programme. Affects mortgage insurance and upfront fees. |
| annualInsurance | number | Annual homeowners insurance premium. |
| escrowMonths | integer | Months of taxes collected up front to open the escrow account. |
| transferTaxPercent | number | State and local transfer tax as a percentage of price. Varies enormously by state. |
| vaSubsequentUse | boolean | VA only: entitlement has been used before. |
| vaExemptFromFundingFee | boolean | VA only: exempt from the funding fee, for example a service-connected disability rating. |
| state | string | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| propertyTaxRatePercent | number | Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average. |
calculate_rent_vs_buyCompares renting and buying on net wealth rather than on monthly payment, accounting for equity, appreciation, maintenance, selling costs, and the return a renter earns on money not spent on a down payment. Returns the year buying overtakes renting. The result is highly sensitive to the appreciatio…Compares renting and buying on net wealth rather than on monthly payment, accounting for equity, appreciation, maintenance, selling costs, and the return a renter earns on money not spent on a down payment. Returns the year buying overtakes renting. The result is highly sensitive to the appreciatio…
| Parameter | Type | Description |
|---|---|---|
| homePrice* | number | Purchase price of the home in US dollars. |
| downPaymentPercent | number | Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount. |
| annualInterestRatePercent | number | Annual nominal interest rate as a percentage, for example 6.5 for 6.5%. |
| loanTermYears | integer | Loan term in years. Most US mortgages are 15 or 30. |
| annualInsurance | number | Annual homeowners insurance premium. |
| monthlyHoa | number | Monthly HOA dues. |
| monthlyRent* | number | Current monthly rent for a comparable home. |
| annualRentIncreasePercent | number | Expected annual rent growth. |
| annualHomeAppreciationPercent | number | Expected annual home price growth. The answer is highly sensitive to this. |
| annualMaintenancePercent | number | Annual upkeep as a percentage of home value. Typically 1 to 2. |
| investmentReturnPercent | number | Return a renter earns on cash not tied up in a house. |
| sellingCostPercent | number | Cost of selling, including agent commission. |
| yearsToCompare | integer | Horizon of the comparison. |
| state | string | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
| propertyTaxRatePercent | number | Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average. |
compare_loansCompares two to five loan scenarios and reports which is cheapest by monthly payment and which by lifetime cost, separately, because they frequently are not the same loan. Use for 15-year versus 30-year, FHA versus conventional, competing lender quotes, or with and without discount points.Compares two to five loan scenarios and reports which is cheapest by monthly payment and which by lifetime cost, separately, because they frequently are not the same loan. Use for 15-year versus 30-year, FHA versus conventional, competing lender quotes, or with and without discount points.
| Parameter | Type | Description |
|---|---|---|
| scenarios* | array | Two to five loan scenarios to compare side by side. |
get_state_mortgage_rulesHow property tax actually works in one state: how assessed value is derived, any statutory growth cap, the billing cycle, named exemptions such as homestead, the filing deadline, who hears appeals and the window to file, notable county variation, and a link to the state's own tax authority. Use thi…How property tax actually works in one state: how assessed value is derived, any statutory growth cap, the billing cycle, named exemptions such as homestead, the filing deadline, who hears appeals and the window to file, notable county variation, and a link to the state's own tax authority. Use thi…
| Parameter | Type | Description |
|---|---|---|
| state* | string | Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required. |
list_statesEvery US state with its average effective property tax rate, median home value and estimated annual tax. Sortable, so it answers 'which states have the highest property taxes' directly. Call this to discover valid state names for the other tools.Every US state with its average effective property tax rate, median home value and estimated annual tax. Sortable, so it answers 'which states have the highest property taxes' directly. Call this to discover valid state names for the other tools.
| Parameter | Type | Description |
|---|---|---|
| sortBy | string | Ordering of the returned list. |
| order | string | Sort direction. |
| limit | integer | How many states to return. |
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US mortgage calculator and amortization API with 50-state property tax, PMI, and affordability data.
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