Long-tail Landing

Calcolatore Mutuo

/mortgage-calculator/500000/20/6.5/30/1.2/1200/250/0

Mortgage estimate for a 500.000,00 USD property over 30 years with escrow and early-payoff analysis.

Updated: 20/02/2026, 22:05:56

Tool Controls

Configure advanced parameters and run full calculations.

Home price

Down payment %

Interest rate %

Term (years)

Property tax %

Insurance/year

HOA/month

Extra payment/month

Quick scenarios

Open ready-made scenarios with one click.

Loan amount

400.000,00 USD

Monthly P&I

2528,27 USD

Escrow + HOA / mo

850,00 USD

Full housing cost / mo

3378,27 USD

Payoff term

30y 0m

Interest saved

0,00 USD

Snapshot

Down payment (20,00%): 100.000,00 USD
LTV ratio: 80,00%
Property tax monthly (1,20%): 500,00 USD
Insurance monthly: 100,00 USD
Baseline payoff: 30y 0m
Time saved: 0 months
Baseline interest: 510.177,95 USD
Interest with extra payments: 510.177,95 USD

Amortization Schedule (Accelerated)

Month	Payment	Principal	Interest	Balance
1	2528,27	361,61	2166,67	399.638,39
2	2528,27	363,56	2164,71	399.274,83
3	2528,27	365,53	2162,74	398.909,30
4	2528,27	367,51	2160,76	398.541,78
5	2528,27	369,50	2158,77	398.172,28
6	2528,27	371,51	2156,77	397.800,77
7	2528,27	373,52	2154,75	397.427,26
8	2528,27	375,54	2152,73	397.051,71
9	2528,27	377,58	2150,70	396.674,14
10	2528,27	379,62	2148,65	396.294,52
11	2528,27	381,68	2146,60	395.912,84
12	2528,27	383,74	2144,53	395.529,10
13	2528,27	385,82	2142,45	395.143,28
14	2528,27	387,91	2140,36	394.755,36
15	2528,27	390,01	2138,26	394.365,35
16	2528,27	392,13	2136,15	393.973,22
17	2528,27	394,25	2134,02	393.578,97
18	2528,27	396,39	2131,89	393.182,59
19	2528,27	398,53	2129,74	392.784,05
20	2528,27	400,69	2127,58	392.383,36
21	2528,27	402,86	2125,41	391.980,50
22	2528,27	405,04	2123,23	391.575,45
23	2528,27	407,24	2121,03	391.168,22
24	2528,27	409,44	2118,83	390.758,77
25	2528,27	411,66	2116,61	390.347,11
26	2528,27	413,89	2114,38	389.933,22
27	2528,27	416,13	2112,14	389.517,08
28	2528,27	418,39	2109,88	389.098,70
29	2528,27	420,65	2107,62	388.678,04
30	2528,27	422,93	2105,34	388.255,11
31	2528,27	425,22	2103,05	387.829,89
32	2528,27	427,53	2100,75	387.402,36
33	2528,27	429,84	2098,43	386.972,52
34	2528,27	432,17	2096,10	386.540,35
35	2528,27	434,51	2093,76	386.105,83
36	2528,27	436,87	2091,41	385.668,97
37	2528,27	439,23	2089,04	385.229,74
38	2528,27	441,61	2086,66	384.788,12
39	2528,27	444,00	2084,27	384.344,12
40	2528,27	446,41	2081,86	383.897,71
41	2528,27	448,83	2079,45	383.448,89
42	2528,27	451,26	2077,01	382.997,63
43	2528,27	453,70	2074,57	382.543,93
44	2528,27	456,16	2072,11	382.087,77
45	2528,27	458,63	2069,64	381.629,14
46	2528,27	461,11	2067,16	381.168,03
47	2528,27	463,61	2064,66	380.704,41
48	2528,27	466,12	2062,15	380.238,29
49	2528,27	468,65	2059,62	379.769,64
50	2528,27	471,19	2057,09	379.298,46
51	2528,27	473,74	2054,53	378.824,72
52	2528,27	476,30	2051,97	378.348,41
53	2528,27	478,88	2049,39	377.869,53
54	2528,27	481,48	2046,79	377.388,05
55	2528,27	484,09	2044,19	376.903,96
56	2528,27	486,71	2041,56	376.417,25
57	2528,27	489,35	2038,93	375.927,91
58	2528,27	492,00	2036,28	375.435,91
59	2528,27	494,66	2033,61	374.941,25
60	2528,27	497,34	2030,93	374.443,91
Showing first and last rows. Hidden rows: 240.
301	2528,27	1828,35	699,92	127.388,30
302	2528,27	1838,25	690,02	125.550,05
303	2528,27	1848,21	680,06	123.701,84
304	2528,27	1858,22	670,05	121.843,62
305	2528,27	1868,29	659,99	119.975,33
306	2528,27	1878,41	649,87	118.096,93
307	2528,27	1888,58	639,69	116.208,35
308	2528,27	1898,81	629,46	114.309,54
309	2528,27	1909,10	619,18	112.400,44
310	2528,27	1919,44	608,84	110.481,00
311	2528,27	1929,83	598,44	108.551,17
312	2528,27	1940,29	587,99	106.610,88
313	2528,27	1950,80	577,48	104.660,09
314	2528,27	1961,36	566,91	102.698,72
315	2528,27	1971,99	556,28	100.726,74
316	2528,27	1982,67	545,60	98.744,07
317	2528,27	1993,41	534,86	96.750,66
318	2528,27	2004,21	524,07	94.746,45
319	2528,27	2015,06	513,21	92.731,39
320	2528,27	2025,98	502,30	90.705,41
321	2528,27	2036,95	491,32	88.668,46
322	2528,27	2047,98	480,29	86.620,48
323	2528,27	2059,08	469,19	84.561,40
324	2528,27	2070,23	458,04	82.491,17
325	2528,27	2081,44	446,83	80.409,72
326	2528,27	2092,72	435,55	78.317,01
327	2528,27	2104,05	424,22	76.212,95
328	2528,27	2115,45	412,82	74.097,50
329	2528,27	2126,91	401,36	71.970,59
330	2528,27	2138,43	389,84	69.832,16
331	2528,27	2150,01	378,26	67.682,14
332	2528,27	2161,66	366,61	65.520,48
333	2528,27	2173,37	354,90	63.347,11
334	2528,27	2185,14	343,13	61.161,97
335	2528,27	2196,98	331,29	58.964,99
336	2528,27	2208,88	319,39	56.756,11
337	2528,27	2220,84	307,43	54.535,27
338	2528,27	2232,87	295,40	52.302,40
339	2528,27	2244,97	283,30	50.057,43
340	2528,27	2257,13	271,14	47.800,30
341	2528,27	2269,35	258,92	45.530,95
342	2528,27	2281,65	246,63	43.249,30
343	2528,27	2294,01	234,27	40.955,30
344	2528,27	2306,43	221,84	38.648,87
345	2528,27	2318,92	209,35	36.329,94
346	2528,27	2331,48	196,79	33.998,46
347	2528,27	2344,11	184,16	31.654,34
348	2528,27	2356,81	171,46	29.297,53
349	2528,27	2369,58	158,69	26.927,96
350	2528,27	2382,41	145,86	24.545,54
351	2528,27	2395,32	132,96	22.150,23
352	2528,27	2408,29	119,98	19.741,93
353	2528,27	2421,34	106,94	17.320,60
354	2528,27	2434,45	93,82	14.886,15
355	2528,27	2447,64	80,63	12.438,51
356	2528,27	2460,90	67,38	9977,61
357	2528,27	2474,23	54,05	7503,38
358	2528,27	2487,63	40,64	5015,75
359	2528,27	2501,10	27,17	2514,65
360	2528,27	2514,65	13,62	0,00