International mortgage calculator
Estimate a US home payment with your own rate.
Enter price, down payment, term and the interest rate you want to test. tsmartcash does not quote mortgage rates.
International mortgage calculator
Program & borrower
Property
Loan
Enter the rate a lender quoted you. We do not assume a market rate.
Rent (DSCR)
Illustrative estimates only — not an offer, rate quote or commitment to fund or lend.
How this calculator works
The estimate uses the rate you enter, because only a licensed lender can quote a rate for your situation.
Property taxes, insurance and HOA dues can add significantly to the monthly payment. For DSCR scenarios, compare the payment with expected rent.
Frequently asked questions
Why do I have to enter the interest rate?
Rates depend on the program, property, down payment and borrower profile. Only a licensed lender can quote one, so the calculator uses your input.
What does DSCR mean?
Debt-service coverage ratio: the property’s rent divided by its monthly payment. Investment programs often use it to qualify the property.
Is this a pre-approval?
No. It is an illustrative estimate. A licensed mortgage partner reviews your situation and provides any terms.
Does it include taxes and insurance?
Check the inputs shown. If they are not included, add your expected taxes, insurance and HOA dues to estimate the full monthly cost.
Want help reading your results?
A specialist can walk through the estimate with you and explain which options may fit.
Equal Housing Opportunity. Mortgage loans are offered by licensed lending partners in accordance with federal and state fair lending laws.