Mortgage Calculator for Immigrants
Estimate your monthly mortgage payment. Works for FHA loans, ITIN mortgages, and conventional loans.
Loan Details
PMI included (less than 20% down)
Additional Monthly Costs
Estimated Monthly Payment
Loan amount:
Payment Breakdown
Loan Summary
Total Interest Paid
Total Cost of Loan
This calculator provides estimates for educational purposes only. Actual rates and payments may vary. Consult a licensed mortgage professional.
How Mortgages Work for Immigrants
Buying a home in the United States as an immigrant can seem daunting, but there are multiple pathways available. Even if you don't have a Social Security Number (SSN), many lenders offer ITIN mortgages (Individual Taxpayer Identification Number).
Use our calculator to estimate what your monthly payment might look like. Remember that actual payments will also include property taxes, home insurance, and potentially Private Mortgage Insurance (PMI) if your down payment is less than 20%.
- FHA Loans: Require as little as 3.5% down and are available to legal residents with an SSN.
- ITIN Loans: Available to undocumented immigrants and those without an SSN. Typically require 10–20% down.
- Foreign National Loans: Designed for non-resident investors. Usually require 25–30% down.