Disclaimer: The Mortgage Calculator is provided for informational and illustrative purposes only and is not a substitute for professional financial advice. The estimated monthly payments, amortization schedules, and other outputs are based on user-provided inputs and general assumptions, including home price, down payment (in dollars or percentage), interest rate, loan term, property taxes, insurance, HOA fees, and PMI (automatically calculated for down payments under 20%). Actual mortgage payments and costs may vary due to factors such as credit score, lender requirements, loan type, market conditions, and additional fees not accounted for in this tool. The calculator does not constitute an offer, commitment, or approval for a loan. Always consult a qualified mortgage professional, financial advisor, or lender for personalized advice and accurate loan terms before making financial decisions. We are not responsible for any errors, omissions, or reliance on the calculator’s results.