Do you use the 28/36 rule?
Yes, affordability uses standard 28% front-end and 36% back-end debt-to-income rules.
Mortgage calculator
US Mortgage Calculator 2026 – Affordability & Payments
Mode-aware affordability and repayment estimates with transparent assumptions for United States. All calculations run directly in your browser.
Privacy-first design
Transparent assumptions
Browser-only calculations
Calculator inputs
Enter your numbers
No data storage. Inputs stay in this browser session only.
Results appear here after calculation
Click Calculate results to show max property price, loan amount, monthly payment, and amortization.
Partner offers related to your scenario
Sponsored options from mortgage partners. These links are separate from calculator outputs.
SponsoredExternal link
Want better rates? Compare offers from top lenders →
Get personalized US quotesReplace with real affiliate link before launch.
Affiliate disclosure: We may earn a commission if you choose a partner. This does not affect your results.
Sponsored
Talk to a mortgage broker
Get a no-obligation discussion with a partner broker based on your scenario.
Replace with a real tracked partner link before launch.
Frequently asked questions
Can I compare FHA and Conventional?
Yes, this tool includes a simple FHA vs Conventional selector with notes.
How accurate is this mortgage calculator?
It gives estimation-level outputs using your inputs and market assumptions, not final lender underwriting decisions.
Does this store my data or send it to a server?
No. Inputs and calculations run in-browser only, and no user inputs are persisted by this app.
Can I compare affordability and repayment views?
Yes. Switch modes to compare borrowing power with monthly-payment outcomes using the same input set.
Is this financial advice?
No. This tool is informational only and should be paired with advice from a qualified broker or advisor.
Related services
Sponsored services you may find useful after reviewing your estimate.
SponsoredExternal link
Want better rates? Compare offers from top lenders →
Get personalized US quotesReplace with real affiliate link before launch.
Affiliate disclosure: We may earn a commission if you choose a partner. This does not affect your results.
Sponsored
Talk to a mortgage broker
Get a no-obligation discussion with a partner broker based on your scenario.
Replace with a real tracked partner link before launch.