Calculadora de Hipotecas
Calculadora de hipotecas gratuita. Estime o pagamento mensal incluindo capital, juros, imposto sobre a propriedade e seguro (PITI). Funciona em qualquer moeda, executa no seu navegador.
Runs in your browserUpdated Apr 26, 2026
Mortgage calculator
Loan amount
320,000.00
P&I monthly
2,022.62
Total monthly
2,422.62
Total interest
408,142.36
Total P&I paid
728,142.36
LTV
80.0%
Perguntas frequentes
›What is PITI?
Principal, Interest, Taxes and Insurance — the four parts of your monthly housing payment that lenders use to qualify you.
›Should I make a 20% down payment?
20% avoids private mortgage insurance (PMI) on US conforming loans, but lower down payments are common (3-5% with FHA / first-time buyer programs).
›Does this include HOA fees?
No — add HOA dues separately to your total monthly cost. We only model PITI.
›Fixed or variable rate?
We assume a fixed rate. For ARMs the early-term rate is the same calculation; later years vary with the index.
›Is the calculator free?
Yes — fully free, no signup, runs in your browser.