Calcolatore Mutuo Online 2026 - Gratuito e Preciso

Calcola la rata mensile con tasse, assicurazione e spese condominiali

2026 Edition Free • No signup required

How is the monthly mortgage payment calculated? +

The monthly payment is calculated using the standard amortization formula, considering loan amount, interest rate, and term. Our calculator also adds property tax (est. 1% annual), home insurance (est. 0.5% annual), and HOA fees.

What should my down payment be? +

A 20% down payment is standard to avoid Private Mortgage Insurance (PMI). However, many lenders accept as little as 3-3.5% for conventional or FHA loans.

What are HOA fees? +

Homeowners Association (HOA) fees are monthly payments for community amenities and maintenance in condos or planned communities. They are added on top of your mortgage payment.

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