Mortgage Calculator 2026
Calculate your monthly mortgage payment with automatic 2026 loan limit lookups. Compare FHA, VA, USDA, and Conventional loans side-by-side.
🏠 Property & Loan
📍 Location (for Loan Limits)
💰 Additional Costs
Monthly Breakdown
| Principal & Interest | $0 |
| Property Tax | $0 |
| Home Insurance | $0 |
| Total | $0 |
Loan Summary
| Loan Amount | $0 |
| Total Interest Paid | $0 |
| Total Cost (P&I) | $0 |
How to Use This Calculator
Enter your target home price and down payment. The calculator automatically applies the 2026 FHA and Conforming loan limits for your selected county. Monthly payments include principal, interest, property tax, insurance, and (for FHA loans) mortgage insurance premiums.
Use the loan type comparison to see how FHA, VA, USDA, and Conventional loans differ in total cost. VA and USDA loans offer 0% down payment options for eligible borrowers.
2026 Loan Limits Quick Reference
| Loan Type | Baseline Limit (1-Unit) | High-Cost Ceiling |
|---|---|---|
| Conforming | $832,750 | $1,249,125 |
| FHA | $524,225 (floor) | $1,209,750 (ceiling) |
| VA | No limit (with full entitlement) | — |
| USDA | No limit (rural areas only) | — |
Data Source: FHFA Conforming Loan Limits 2026, HUD FHA Forward Mortgage Limits 2026. Rate auto-filled from FRED (MORTGAGE30US). This calculator is for educational purposes only and does not constitute financial advice.