FHA & ITIN Mortgage Calc ES

Plan your U.S. home purchase in clear Spanish with an offline, educational mortgage and amortization calculator. See your true monthly PITI payment breakdown and compare FHA, Conventional, and ITIN portfolio mortgage structures side by side.

▸ INTERACTIVE PITI DASHBOARD
· Stacked visual breakdown of Principal & Interest, Property Taxes, Homeowners Insurance, Mortgage Insurance (FHA MIP / PMI), and HOA dues
· Built-in presets for FHA (3.5% down + 1.75% financed UFMIP + 0.55% annual MIP), Conventional (automatic $0 PMI at 20% down), and ITIN Non-QM loans
· Save custom home scenarios locally on your device for offline review

▸ SIDE-BY-SIDE 3-PROGRAM COMPARATOR
· Enter one home price and compare FHA vs Conventional vs ITIN in three columns
· Compare cash needed at closing, 5-year out-of-pocket cost, equity built, and total interest over 30-year vs 15-year terms

▸ AFFORDABILITY (DTI) & CLOSING COSTS
· Estimate maximum qualifying home price under FHA (31% / 43% DTI) and Conventional (28% / 36% DTI) guidelines plus a comfortable household budget
· Itemized 2%–5% closing cost estimator covering appraisal, origination, title & escrow, county recording, prepaids, and FHA UFMIP

▸ ANNUAL AMORTIZATION & EXTRA PRINCIPAL SAVINGS
· Year-by-year principal, interest, balance, and home equity schedule
· Highlights the exact year you reach the 80% LTV equity milestone
· Shows exact years and interest saved when adding $100, $200, or custom extra monthly principal

▸ OFFICIAL PUBLIC GOVERNMENT SOURCES (.GOV)
Educational formulas and program rules reference public U.S. homebuyer publications:
· U.S. Department of Housing and Urban Development (HUD) – FHA Loans: https://www.hud.gov/buying/loans
· Consumer Financial Protection Bureau (CFPB) – Owning a Home Toolkit: https://www.consumerfinance.gov/owning-a-home/

▸ EDUCATIONAL & NON-AFFILIATION DISCLAIMER
This app is a purely offline mathematical calculator for homebuyer education. It does NOT offer, broker, originate, or facilitate loans, and it does NOT request or collect SSNs, ITINs, or personal financial data. Not affiliated with or endorsed by HUD, FHA, CFPB, or any government agency.