USA Mortgage Calculator 2025
Calculate FHA, VA, Conventional & USDA loan payments with taxes, insurance & PMI
🇺🇸 USA Focused
✅ FHA/VA Approved
📊 2025 Tax Rates
🏠 Loan Details
💰 Additional Costs (Optional)
🇺🇸 About USA Mortgage Calculations
This comprehensive USA mortgage calculator includes all major loan types (FHA, VA, USDA, Conventional) with accurate 2025 rates, PMI calculations, property taxes by ZIP code, and closing cost estimates.
🏠 USA Mortgage Guide 2025:
- FHA Loans: 3.5% down payment, mortgage insurance required, credit score 580+
- VA Loans: 0% down for veterans, no PMI, competitive rates
- USDA Loans: 0% down for rural areas, income limits apply
- Conventional: 3-20% down, PMI if less than 20%, best rates for 740+ credit
- PMI Removal: Automatically removed at 78% LTV for conventional loans
- Property Taxes: Vary by state (0.3% - 2.5% annually)
📊 Current USA Mortgage Rates (2025):
30-Year Fixed:
6.75% - 7.25%
15-Year Fixed:
6.25% - 6.75%
FHA 30-Year:
6.50% - 7.00%
VA 30-Year:
6.25% - 6.75%
*Rates vary by credit score, down payment, and lender. Updated September 2025.