Calculadora de Hipotecas

Calcula el pago mensual real de vivienda (PITI + HOA), fechas de cancelación de PMI y amortización del préstamo.

Precio de compra de la vivienda ($)

Pago inicial (Enganche / Down Payment)

Plazo del préstamo (Años)

Tasa de interés fija (APR %)

Tipo de producto hipotecario

Sujeto a la Ley de Protección a Propietarios de 1998 (HPA): se cancela al 78% LTV en la fecha programada.

Impuesto predial anual ($)

Seguro de vivienda anual ($)

Los impuestos sobre la propiedad y los costos de seguro varían según el inmueble y la ubicación. Ingrese los montos de su tasación fiscal, cotización de seguro o documentos de su prestamista para obtener una estimación mensual más precisa.

Opciones avanzadas (HOA y pagos extra)

Cuota mensual de HOA ($)

Otros costos mensuales ($)

Pago extra mensual al capital ($)

Tasa anual de PMI (%)

Modelar cancelación anticipada de PMI al 80% LTV (Solicitud escrita)

Pago Mensual Estimado de Vivienda

$3,150.44/mes

Incluye impuestos sobre la propiedad y seguro de vivienda ingresados.

Capital e Intereses (P&I)$2,275.44

Impuestos sobre la propiedad$400.00

Seguro de vivienda$150.00

Seguro hipotecario (PMI/MIP)$225.00

Cuotas de HOA$100.00

Reglas y Fechas del Seguro Hipotecario (PMI/MIP)

Homeowners Protection Act of 1998 (12 U.S.C. § 4901): 80% LTV borrower cancellation request, 78% scheduled automatic termination, and loan midpoint termination.

Relación Préstamo-Valor Inicial (LTV)90%

Terminación legal programada al 78% LTVMes #109

Total estimado pagado en seguro hipotecario$24,300.00

Monto del préstamo hipotecario$360,000.00

Interés total durante el plazo$459,164.00

Fecha estimada de liquidación2056-09

Costo total acumulado de la vivienda$1,077,464.00

Tabla Completa de Amortización del Préstamo

Año 1Saldo$355,976.26Capital$4,023.74Interés$23,281.54PMI/MIP$2,700.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#1	2026-10	$3,150.44	$325.44	$1,950.00	$225.00	$359,674.56
#2	2026-11	$3,150.44	$327.20	$1,948.24	$225.00	$359,347.36
#3	2026-12	$3,150.44	$328.98	$1,946.46	$225.00	$359,018.38
#4	2027-01	$3,150.44	$330.76	$1,944.68	$225.00	$358,687.62
#5	2027-02	$3,150.44	$332.55	$1,942.89	$225.00	$358,355.07
#6	2027-03	$3,150.44	$334.35	$1,941.09	$225.00	$358,020.72
#7	2027-04	$3,150.44	$336.16	$1,939.28	$225.00	$357,684.56
#8	2027-05	$3,150.44	$337.98	$1,937.46	$225.00	$357,346.58
#9	2027-06	$3,150.44	$339.81	$1,935.63	$225.00	$357,006.77
#10	2027-07	$3,150.44	$341.65	$1,933.79	$225.00	$356,665.12
#11	2027-08	$3,150.44	$343.50	$1,931.94	$225.00	$356,321.62
#12	2027-09	$3,150.44	$345.36	$1,930.08	$225.00	$355,976.26

Año 2Saldo$351,683.03Capital$4,293.23Interés$23,012.05PMI/MIP$2,700.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#13	2027-10	$3,150.44	$347.24	$1,928.20	$225.00	$355,629.02
#14	2027-11	$3,150.44	$349.12	$1,926.32	$225.00	$355,279.90
#15	2027-12	$3,150.44	$351.01	$1,924.43	$225.00	$354,928.89
#16	2028-01	$3,150.44	$352.91	$1,922.53	$225.00	$354,575.98
#17	2028-02	$3,150.44	$354.82	$1,920.62	$225.00	$354,221.16
#18	2028-03	$3,150.44	$356.74	$1,918.70	$225.00	$353,864.42
#19	2028-04	$3,150.44	$358.67	$1,916.77	$225.00	$353,505.75
#20	2028-05	$3,150.44	$360.62	$1,914.82	$225.00	$353,145.13
#21	2028-06	$3,150.44	$362.57	$1,912.87	$225.00	$352,782.56
#22	2028-07	$3,150.44	$364.53	$1,910.91	$225.00	$352,418.03
#23	2028-08	$3,150.44	$366.51	$1,908.93	$225.00	$352,051.52
#24	2028-09	$3,150.44	$368.49	$1,906.95	$225.00	$351,683.03

Año 3Saldo$347,102.29Capital$4,580.74Interés$22,724.54PMI/MIP$2,700.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#25	2028-10	$3,150.44	$370.49	$1,904.95	$225.00	$351,312.54
#26	2028-11	$3,150.44	$372.50	$1,902.94	$225.00	$350,940.04
#27	2028-12	$3,150.44	$374.51	$1,900.93	$225.00	$350,565.53
#28	2029-01	$3,150.44	$376.54	$1,898.90	$225.00	$350,188.99
#29	2029-02	$3,150.44	$378.58	$1,896.86	$225.00	$349,810.41
#30	2029-03	$3,150.44	$380.63	$1,894.81	$225.00	$349,429.78
#31	2029-04	$3,150.44	$382.70	$1,892.74	$225.00	$349,047.08
#32	2029-05	$3,150.44	$384.77	$1,890.67	$225.00	$348,662.31
#33	2029-06	$3,150.44	$386.85	$1,888.59	$225.00	$348,275.46
#34	2029-07	$3,150.44	$388.95	$1,886.49	$225.00	$347,886.51
#35	2029-08	$3,150.44	$391.05	$1,884.39	$225.00	$347,495.46
#36	2029-09	$3,150.44	$393.17	$1,882.27	$225.00	$347,102.29

Año 4Saldo$342,214.75Capital$4,887.54Interés$22,417.74PMI/MIP$2,700.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#37	2029-10	$3,150.44	$395.30	$1,880.14	$225.00	$346,706.99
#38	2029-11	$3,150.44	$397.44	$1,878.00	$225.00	$346,309.55
#39	2029-12	$3,150.44	$399.60	$1,875.84	$225.00	$345,909.95
#40	2030-01	$3,150.44	$401.76	$1,873.68	$225.00	$345,508.19
#41	2030-02	$3,150.44	$403.94	$1,871.50	$225.00	$345,104.25
#42	2030-03	$3,150.44	$406.13	$1,869.31	$225.00	$344,698.12
#43	2030-04	$3,150.44	$408.33	$1,867.11	$225.00	$344,289.79
#44	2030-05	$3,150.44	$410.54	$1,864.90	$225.00	$343,879.25
#45	2030-06	$3,150.44	$412.76	$1,862.68	$225.00	$343,466.49
#46	2030-07	$3,150.44	$415.00	$1,860.44	$225.00	$343,051.49
#47	2030-08	$3,150.44	$417.24	$1,858.20	$225.00	$342,634.25
#48	2030-09	$3,150.44	$419.50	$1,855.94	$225.00	$342,214.75

Año 5Saldo$336,999.89Capital$5,214.86Interés$22,090.42PMI/MIP$2,700.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#49	2030-10	$3,150.44	$421.78	$1,853.66	$225.00	$341,792.97
#50	2030-11	$3,150.44	$424.06	$1,851.38	$225.00	$341,368.91
#51	2030-12	$3,150.44	$426.36	$1,849.08	$225.00	$340,942.55
#52	2031-01	$3,150.44	$428.67	$1,846.77	$225.00	$340,513.88
#53	2031-02	$3,150.44	$430.99	$1,844.45	$225.00	$340,082.89
#54	2031-03	$3,150.44	$433.32	$1,842.12	$225.00	$339,649.57
#55	2031-04	$3,150.44	$435.67	$1,839.77	$225.00	$339,213.90
#56	2031-05	$3,150.44	$438.03	$1,837.41	$225.00	$338,775.87
#57	2031-06	$3,150.44	$440.40	$1,835.04	$225.00	$338,335.47
#58	2031-07	$3,150.44	$442.79	$1,832.65	$225.00	$337,892.68
#59	2031-08	$3,150.44	$445.19	$1,830.25	$225.00	$337,447.49
#60	2031-09	$3,150.44	$447.60	$1,827.84	$225.00	$336,999.89

Año 6Saldo$331,435.79Capital$5,564.10Interés$21,741.18PMI/MIP$2,700.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#61	2031-10	$3,150.44	$450.02	$1,825.42	$225.00	$336,549.87
#62	2031-11	$3,150.44	$452.46	$1,822.98	$225.00	$336,097.41
#63	2031-12	$3,150.44	$454.91	$1,820.53	$225.00	$335,642.50
#64	2032-01	$3,150.44	$457.38	$1,818.06	$225.00	$335,185.12
#65	2032-02	$3,150.44	$459.85	$1,815.59	$225.00	$334,725.27
#66	2032-03	$3,150.44	$462.34	$1,813.10	$225.00	$334,262.93
#67	2032-04	$3,150.44	$464.85	$1,810.59	$225.00	$333,798.08
#68	2032-05	$3,150.44	$467.37	$1,808.07	$225.00	$333,330.71
#69	2032-06	$3,150.44	$469.90	$1,805.54	$225.00	$332,860.81
#70	2032-07	$3,150.44	$472.44	$1,803.00	$225.00	$332,388.37
#71	2032-08	$3,150.44	$475.00	$1,800.44	$225.00	$331,913.37
#72	2032-09	$3,150.44	$477.58	$1,797.86	$225.00	$331,435.79

Año 7Saldo$325,499.05Capital$5,936.74Interés$21,368.54PMI/MIP$2,700.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#73	2032-10	$3,150.44	$480.16	$1,795.28	$225.00	$330,955.63
#74	2032-11	$3,150.44	$482.76	$1,792.68	$225.00	$330,472.87
#75	2032-12	$3,150.44	$485.38	$1,790.06	$225.00	$329,987.49
#76	2033-01	$3,150.44	$488.01	$1,787.43	$225.00	$329,499.48
#77	2033-02	$3,150.44	$490.65	$1,784.79	$225.00	$329,008.83
#78	2033-03	$3,150.44	$493.31	$1,782.13	$225.00	$328,515.52
#79	2033-04	$3,150.44	$495.98	$1,779.46	$225.00	$328,019.54
#80	2033-05	$3,150.44	$498.67	$1,776.77	$225.00	$327,520.87
#81	2033-06	$3,150.44	$501.37	$1,774.07	$225.00	$327,019.50
#82	2033-07	$3,150.44	$504.08	$1,771.36	$225.00	$326,515.42
#83	2033-08	$3,150.44	$506.81	$1,768.63	$225.00	$326,008.61
#84	2033-09	$3,150.44	$509.56	$1,765.88	$225.00	$325,499.05

Año 8Saldo$319,164.69Capital$6,334.36Interés$20,970.92PMI/MIP$2,700.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#85	2033-10	$3,150.44	$512.32	$1,763.12	$225.00	$324,986.73
#86	2033-11	$3,150.44	$515.10	$1,760.34	$225.00	$324,471.63
#87	2033-12	$3,150.44	$517.89	$1,757.55	$225.00	$323,953.74
#88	2034-01	$3,150.44	$520.69	$1,754.75	$225.00	$323,433.05
#89	2034-02	$3,150.44	$523.51	$1,751.93	$225.00	$322,909.54
#90	2034-03	$3,150.44	$526.35	$1,749.09	$225.00	$322,383.19
#91	2034-04	$3,150.44	$529.20	$1,746.24	$225.00	$321,853.99
#92	2034-05	$3,150.44	$532.06	$1,743.38	$225.00	$321,321.93
#93	2034-06	$3,150.44	$534.95	$1,740.49	$225.00	$320,786.98
#94	2034-07	$3,150.44	$537.84	$1,737.60	$225.00	$320,249.14
#95	2034-08	$3,150.44	$540.76	$1,734.68	$225.00	$319,708.38
#96	2034-09	$3,150.44	$543.69	$1,731.75	$225.00	$319,164.69

Año 9Saldo$312,406.13Capital$6,758.56Interés$20,546.72PMI/MIP$2,700.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#97	2034-10	$3,150.44	$546.63	$1,728.81	$225.00	$318,618.06
#98	2034-11	$3,150.44	$549.59	$1,725.85	$225.00	$318,068.47
#99	2034-12	$3,150.44	$552.57	$1,722.87	$225.00	$317,515.90
#100	2035-01	$3,150.44	$555.56	$1,719.88	$225.00	$316,960.34
#101	2035-02	$3,150.44	$558.57	$1,716.87	$225.00	$316,401.77
#102	2035-03	$3,150.44	$561.60	$1,713.84	$225.00	$315,840.17
#103	2035-04	$3,150.44	$564.64	$1,710.80	$225.00	$315,275.53
#104	2035-05	$3,150.44	$567.70	$1,707.74	$225.00	$314,707.83
#105	2035-06	$3,150.44	$570.77	$1,704.67	$225.00	$314,137.06
#106	2035-07	$3,150.44	$573.86	$1,701.58	$225.00	$313,563.20
#107	2035-08	$3,150.44	$576.97	$1,698.47	$225.00	$312,986.23
#108	2035-09	$3,150.44	$580.10	$1,695.34	$225.00	$312,406.13

Año 10Saldo$305,194.92Capital$7,211.21Interés$20,094.07PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#109	2035-10	$2,925.44	$583.24	$1,692.20	$0.00	$311,822.89
#110	2035-11	$2,925.44	$586.40	$1,689.04	$0.00	$311,236.49
#111	2035-12	$2,925.44	$589.58	$1,685.86	$0.00	$310,646.91
#112	2036-01	$2,925.44	$592.77	$1,682.67	$0.00	$310,054.14
#113	2036-02	$2,925.44	$595.98	$1,679.46	$0.00	$309,458.16
#114	2036-03	$2,925.44	$599.21	$1,676.23	$0.00	$308,858.95
#115	2036-04	$2,925.44	$602.45	$1,672.99	$0.00	$308,256.50
#116	2036-05	$2,925.44	$605.72	$1,669.72	$0.00	$307,650.78
#117	2036-06	$2,925.44	$609.00	$1,666.44	$0.00	$307,041.78
#118	2036-07	$2,925.44	$612.30	$1,663.14	$0.00	$306,429.48
#119	2036-08	$2,925.44	$615.61	$1,659.83	$0.00	$305,813.87
#120	2036-09	$2,925.44	$618.95	$1,656.49	$0.00	$305,194.92

Año 11Saldo$297,500.79Capital$7,694.13Interés$19,611.15PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#121	2036-10	$2,925.44	$622.30	$1,653.14	$0.00	$304,572.62
#122	2036-11	$2,925.44	$625.67	$1,649.77	$0.00	$303,946.95
#123	2036-12	$2,925.44	$629.06	$1,646.38	$0.00	$303,317.89
#124	2037-01	$2,925.44	$632.47	$1,642.97	$0.00	$302,685.42
#125	2037-02	$2,925.44	$635.89	$1,639.55	$0.00	$302,049.53
#126	2037-03	$2,925.44	$639.34	$1,636.10	$0.00	$301,410.19
#127	2037-04	$2,925.44	$642.80	$1,632.64	$0.00	$300,767.39
#128	2037-05	$2,925.44	$646.28	$1,629.16	$0.00	$300,121.11
#129	2037-06	$2,925.44	$649.78	$1,625.66	$0.00	$299,471.33
#130	2037-07	$2,925.44	$653.30	$1,622.14	$0.00	$298,818.03
#131	2037-08	$2,925.44	$656.84	$1,618.60	$0.00	$298,161.19
#132	2037-09	$2,925.44	$660.40	$1,615.04	$0.00	$297,500.79

Año 12Saldo$289,291.34Capital$8,209.45Interés$19,095.83PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#133	2037-10	$2,925.44	$663.98	$1,611.46	$0.00	$296,836.81
#134	2037-11	$2,925.44	$667.57	$1,607.87	$0.00	$296,169.24
#135	2037-12	$2,925.44	$671.19	$1,604.25	$0.00	$295,498.05
#136	2038-01	$2,925.44	$674.83	$1,600.61	$0.00	$294,823.22
#137	2038-02	$2,925.44	$678.48	$1,596.96	$0.00	$294,144.74
#138	2038-03	$2,925.44	$682.16	$1,593.28	$0.00	$293,462.58
#139	2038-04	$2,925.44	$685.85	$1,589.59	$0.00	$292,776.73
#140	2038-05	$2,925.44	$689.57	$1,585.87	$0.00	$292,087.16
#141	2038-06	$2,925.44	$693.30	$1,582.14	$0.00	$291,393.86
#142	2038-07	$2,925.44	$697.06	$1,578.38	$0.00	$290,696.80
#143	2038-08	$2,925.44	$700.83	$1,574.61	$0.00	$289,995.97
#144	2038-09	$2,925.44	$704.63	$1,570.81	$0.00	$289,291.34

Año 13Saldo$280,532.10Capital$8,759.24Interés$18,546.04PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#145	2038-10	$2,925.44	$708.45	$1,566.99	$0.00	$288,582.89
#146	2038-11	$2,925.44	$712.28	$1,563.16	$0.00	$287,870.61
#147	2038-12	$2,925.44	$716.14	$1,559.30	$0.00	$287,154.47
#148	2039-01	$2,925.44	$720.02	$1,555.42	$0.00	$286,434.45
#149	2039-02	$2,925.44	$723.92	$1,551.52	$0.00	$285,710.53
#150	2039-03	$2,925.44	$727.84	$1,547.60	$0.00	$284,982.69
#151	2039-04	$2,925.44	$731.78	$1,543.66	$0.00	$284,250.91
#152	2039-05	$2,925.44	$735.75	$1,539.69	$0.00	$283,515.16
#153	2039-06	$2,925.44	$739.73	$1,535.71	$0.00	$282,775.43
#154	2039-07	$2,925.44	$743.74	$1,531.70	$0.00	$282,031.69
#155	2039-08	$2,925.44	$747.77	$1,527.67	$0.00	$281,283.92
#156	2039-09	$2,925.44	$751.82	$1,523.62	$0.00	$280,532.10

Año 14Saldo$271,186.24Capital$9,345.86Interés$17,959.42PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#157	2039-10	$2,925.44	$755.89	$1,519.55	$0.00	$279,776.21
#158	2039-11	$2,925.44	$759.99	$1,515.45	$0.00	$279,016.22
#159	2039-12	$2,925.44	$764.10	$1,511.34	$0.00	$278,252.12
#160	2040-01	$2,925.44	$768.24	$1,507.20	$0.00	$277,483.88
#161	2040-02	$2,925.44	$772.40	$1,503.04	$0.00	$276,711.48
#162	2040-03	$2,925.44	$776.59	$1,498.85	$0.00	$275,934.89
#163	2040-04	$2,925.44	$780.79	$1,494.65	$0.00	$275,154.10
#164	2040-05	$2,925.44	$785.02	$1,490.42	$0.00	$274,369.08
#165	2040-06	$2,925.44	$789.27	$1,486.17	$0.00	$273,579.81
#166	2040-07	$2,925.44	$793.55	$1,481.89	$0.00	$272,786.26
#167	2040-08	$2,925.44	$797.85	$1,477.59	$0.00	$271,988.41
#168	2040-09	$2,925.44	$802.17	$1,473.27	$0.00	$271,186.24

Año 15Saldo$261,214.48Capital$9,971.76Interés$17,333.52PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#169	2040-10	$2,925.44	$806.51	$1,468.93	$0.00	$270,379.73
#170	2040-11	$2,925.44	$810.88	$1,464.56	$0.00	$269,568.85
#171	2040-12	$2,925.44	$815.28	$1,460.16	$0.00	$268,753.57
#172	2041-01	$2,925.44	$819.69	$1,455.75	$0.00	$267,933.88
#173	2041-02	$2,925.44	$824.13	$1,451.31	$0.00	$267,109.75
#174	2041-03	$2,925.44	$828.60	$1,446.84	$0.00	$266,281.15
#175	2041-04	$2,925.44	$833.08	$1,442.36	$0.00	$265,448.07
#176	2041-05	$2,925.44	$837.60	$1,437.84	$0.00	$264,610.47
#177	2041-06	$2,925.44	$842.13	$1,433.31	$0.00	$263,768.34
#178	2041-07	$2,925.44	$846.69	$1,428.75	$0.00	$262,921.65
#179	2041-08	$2,925.44	$851.28	$1,424.16	$0.00	$262,070.37
#180	2041-09	$2,925.44	$855.89	$1,419.55	$0.00	$261,214.48

Año 16Saldo$250,574.87Capital$10,639.61Interés$16,665.67PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#181	2041-10	$2,925.44	$860.53	$1,414.91	$0.00	$260,353.95
#182	2041-11	$2,925.44	$865.19	$1,410.25	$0.00	$259,488.76
#183	2041-12	$2,925.44	$869.88	$1,405.56	$0.00	$258,618.88
#184	2042-01	$2,925.44	$874.59	$1,400.85	$0.00	$257,744.29
#185	2042-02	$2,925.44	$879.33	$1,396.11	$0.00	$256,864.96
#186	2042-03	$2,925.44	$884.09	$1,391.35	$0.00	$255,980.87
#187	2042-04	$2,925.44	$888.88	$1,386.56	$0.00	$255,091.99
#188	2042-05	$2,925.44	$893.69	$1,381.75	$0.00	$254,198.30
#189	2042-06	$2,925.44	$898.53	$1,376.91	$0.00	$253,299.77
#190	2042-07	$2,925.44	$903.40	$1,372.04	$0.00	$252,396.37
#191	2042-08	$2,925.44	$908.29	$1,367.15	$0.00	$251,488.08
#192	2042-09	$2,925.44	$913.21	$1,362.23	$0.00	$250,574.87

Año 17Saldo$239,222.72Capital$11,352.15Interés$15,953.13PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#193	2042-10	$2,925.44	$918.16	$1,357.28	$0.00	$249,656.71
#194	2042-11	$2,925.44	$923.13	$1,352.31	$0.00	$248,733.58
#195	2042-12	$2,925.44	$928.13	$1,347.31	$0.00	$247,805.45
#196	2043-01	$2,925.44	$933.16	$1,342.28	$0.00	$246,872.29
#197	2043-02	$2,925.44	$938.22	$1,337.22	$0.00	$245,934.07
#198	2043-03	$2,925.44	$943.30	$1,332.14	$0.00	$244,990.77
#199	2043-04	$2,925.44	$948.41	$1,327.03	$0.00	$244,042.36
#200	2043-05	$2,925.44	$953.54	$1,321.90	$0.00	$243,088.82
#201	2043-06	$2,925.44	$958.71	$1,316.73	$0.00	$242,130.11
#202	2043-07	$2,925.44	$963.90	$1,311.54	$0.00	$241,166.21
#203	2043-08	$2,925.44	$969.12	$1,306.32	$0.00	$240,197.09
#204	2043-09	$2,925.44	$974.37	$1,301.07	$0.00	$239,222.72

Año 18Saldo$227,110.28Capital$12,112.44Interés$15,192.84PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#205	2043-10	$2,925.44	$979.65	$1,295.79	$0.00	$238,243.07
#206	2043-11	$2,925.44	$984.96	$1,290.48	$0.00	$237,258.11
#207	2043-12	$2,925.44	$990.29	$1,285.15	$0.00	$236,267.82
#208	2044-01	$2,925.44	$995.66	$1,279.78	$0.00	$235,272.16
#209	2044-02	$2,925.44	$1,001.05	$1,274.39	$0.00	$234,271.11
#210	2044-03	$2,925.44	$1,006.47	$1,268.97	$0.00	$233,264.64
#211	2044-04	$2,925.44	$1,011.92	$1,263.52	$0.00	$232,252.72
#212	2044-05	$2,925.44	$1,017.40	$1,258.04	$0.00	$231,235.32
#213	2044-06	$2,925.44	$1,022.92	$1,252.52	$0.00	$230,212.40
#214	2044-07	$2,925.44	$1,028.46	$1,246.98	$0.00	$229,183.94
#215	2044-08	$2,925.44	$1,034.03	$1,241.41	$0.00	$228,149.91
#216	2044-09	$2,925.44	$1,039.63	$1,235.81	$0.00	$227,110.28

Año 19Saldo$214,186.67Capital$12,923.61Interés$14,381.67PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#217	2044-10	$2,925.44	$1,045.26	$1,230.18	$0.00	$226,065.02
#218	2044-11	$2,925.44	$1,050.92	$1,224.52	$0.00	$225,014.10
#219	2044-12	$2,925.44	$1,056.61	$1,218.83	$0.00	$223,957.49
#220	2045-01	$2,925.44	$1,062.34	$1,213.10	$0.00	$222,895.15
#221	2045-02	$2,925.44	$1,068.09	$1,207.35	$0.00	$221,827.06
#222	2045-03	$2,925.44	$1,073.88	$1,201.56	$0.00	$220,753.18
#223	2045-04	$2,925.44	$1,079.69	$1,195.75	$0.00	$219,673.49
#224	2045-05	$2,925.44	$1,085.54	$1,189.90	$0.00	$218,587.95
#225	2045-06	$2,925.44	$1,091.42	$1,184.02	$0.00	$217,496.53
#226	2045-07	$2,925.44	$1,097.33	$1,178.11	$0.00	$216,399.20
#227	2045-08	$2,925.44	$1,103.28	$1,172.16	$0.00	$215,295.92
#228	2045-09	$2,925.44	$1,109.25	$1,166.19	$0.00	$214,186.67

Año 20Saldo$200,397.54Capital$13,789.13Interés$13,516.15PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#229	2045-10	$2,925.44	$1,115.26	$1,160.18	$0.00	$213,071.41
#230	2045-11	$2,925.44	$1,121.30	$1,154.14	$0.00	$211,950.11
#231	2045-12	$2,925.44	$1,127.38	$1,148.06	$0.00	$210,822.73
#232	2046-01	$2,925.44	$1,133.48	$1,141.96	$0.00	$209,689.25
#233	2046-02	$2,925.44	$1,139.62	$1,135.82	$0.00	$208,549.63
#234	2046-03	$2,925.44	$1,145.80	$1,129.64	$0.00	$207,403.83
#235	2046-04	$2,925.44	$1,152.00	$1,123.44	$0.00	$206,251.83
#236	2046-05	$2,925.44	$1,158.24	$1,117.20	$0.00	$205,093.59
#237	2046-06	$2,925.44	$1,164.52	$1,110.92	$0.00	$203,929.07
#238	2046-07	$2,925.44	$1,170.82	$1,104.62	$0.00	$202,758.25
#239	2046-08	$2,925.44	$1,177.17	$1,098.27	$0.00	$201,581.08
#240	2046-09	$2,925.44	$1,183.54	$1,091.90	$0.00	$200,397.54

Año 21Saldo$185,684.92Capital$14,712.62Interés$12,592.66PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#241	2046-10	$2,925.44	$1,189.95	$1,085.49	$0.00	$199,207.59
#242	2046-11	$2,925.44	$1,196.40	$1,079.04	$0.00	$198,011.19
#243	2046-12	$2,925.44	$1,202.88	$1,072.56	$0.00	$196,808.31
#244	2047-01	$2,925.44	$1,209.39	$1,066.05	$0.00	$195,598.92
#245	2047-02	$2,925.44	$1,215.95	$1,059.49	$0.00	$194,382.97
#246	2047-03	$2,925.44	$1,222.53	$1,052.91	$0.00	$193,160.44
#247	2047-04	$2,925.44	$1,229.15	$1,046.29	$0.00	$191,931.29
#248	2047-05	$2,925.44	$1,235.81	$1,039.63	$0.00	$190,695.48
#249	2047-06	$2,925.44	$1,242.51	$1,032.93	$0.00	$189,452.97
#250	2047-07	$2,925.44	$1,249.24	$1,026.20	$0.00	$188,203.73
#251	2047-08	$2,925.44	$1,256.00	$1,019.44	$0.00	$186,947.73
#252	2047-09	$2,925.44	$1,262.81	$1,012.63	$0.00	$185,684.92

Año 22Saldo$169,986.96Capital$15,697.96Interés$11,607.32PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#253	2047-10	$2,925.44	$1,269.65	$1,005.79	$0.00	$184,415.27
#254	2047-11	$2,925.44	$1,276.52	$998.92	$0.00	$183,138.75
#255	2047-12	$2,925.44	$1,283.44	$992.00	$0.00	$181,855.31
#256	2048-01	$2,925.44	$1,290.39	$985.05	$0.00	$180,564.92
#257	2048-02	$2,925.44	$1,297.38	$978.06	$0.00	$179,267.54
#258	2048-03	$2,925.44	$1,304.41	$971.03	$0.00	$177,963.13
#259	2048-04	$2,925.44	$1,311.47	$963.97	$0.00	$176,651.66
#260	2048-05	$2,925.44	$1,318.58	$956.86	$0.00	$175,333.08
#261	2048-06	$2,925.44	$1,325.72	$949.72	$0.00	$174,007.36
#262	2048-07	$2,925.44	$1,332.90	$942.54	$0.00	$172,674.46
#263	2048-08	$2,925.44	$1,340.12	$935.32	$0.00	$171,334.34
#264	2048-09	$2,925.44	$1,347.38	$928.06	$0.00	$169,986.96

Año 23Saldo$153,237.67Capital$16,749.29Interés$10,555.99PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#265	2048-10	$2,925.44	$1,354.68	$920.76	$0.00	$168,632.28
#266	2048-11	$2,925.44	$1,362.02	$913.42	$0.00	$167,270.26
#267	2048-12	$2,925.44	$1,369.39	$906.05	$0.00	$165,900.87
#268	2049-01	$2,925.44	$1,376.81	$898.63	$0.00	$164,524.06
#269	2049-02	$2,925.44	$1,384.27	$891.17	$0.00	$163,139.79
#270	2049-03	$2,925.44	$1,391.77	$883.67	$0.00	$161,748.02
#271	2049-04	$2,925.44	$1,399.30	$876.14	$0.00	$160,348.72
#272	2049-05	$2,925.44	$1,406.88	$868.56	$0.00	$158,941.84
#273	2049-06	$2,925.44	$1,414.51	$860.93	$0.00	$157,527.33
#274	2049-07	$2,925.44	$1,422.17	$853.27	$0.00	$156,105.16
#275	2049-08	$2,925.44	$1,429.87	$845.57	$0.00	$154,675.29
#276	2049-09	$2,925.44	$1,437.62	$837.82	$0.00	$153,237.67

Año 24Saldo$135,366.65Capital$17,871.02Interés$9,434.26PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#277	2049-10	$2,925.44	$1,445.40	$830.04	$0.00	$151,792.27
#278	2049-11	$2,925.44	$1,453.23	$822.21	$0.00	$150,339.04
#279	2049-12	$2,925.44	$1,461.10	$814.34	$0.00	$148,877.94
#280	2050-01	$2,925.44	$1,469.02	$806.42	$0.00	$147,408.92
#281	2050-02	$2,925.44	$1,476.98	$798.46	$0.00	$145,931.94
#282	2050-03	$2,925.44	$1,484.98	$790.46	$0.00	$144,446.96
#283	2050-04	$2,925.44	$1,493.02	$782.42	$0.00	$142,953.94
#284	2050-05	$2,925.44	$1,501.11	$774.33	$0.00	$141,452.83
#285	2050-06	$2,925.44	$1,509.24	$766.20	$0.00	$139,943.59
#286	2050-07	$2,925.44	$1,517.41	$758.03	$0.00	$138,426.18
#287	2050-08	$2,925.44	$1,525.63	$749.81	$0.00	$136,900.55
#288	2050-09	$2,925.44	$1,533.90	$741.54	$0.00	$135,366.65

Año 25Saldo$116,298.78Capital$19,067.87Interés$8,237.41PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#289	2050-10	$2,925.44	$1,542.20	$733.24	$0.00	$133,824.45
#290	2050-11	$2,925.44	$1,550.56	$724.88	$0.00	$132,273.89
#291	2050-12	$2,925.44	$1,558.96	$716.48	$0.00	$130,714.93
#292	2051-01	$2,925.44	$1,567.40	$708.04	$0.00	$129,147.53
#293	2051-02	$2,925.44	$1,575.89	$699.55	$0.00	$127,571.64
#294	2051-03	$2,925.44	$1,584.43	$691.01	$0.00	$125,987.21
#295	2051-04	$2,925.44	$1,593.01	$682.43	$0.00	$124,394.20
#296	2051-05	$2,925.44	$1,601.64	$673.80	$0.00	$122,792.56
#297	2051-06	$2,925.44	$1,610.31	$665.13	$0.00	$121,182.25
#298	2051-07	$2,925.44	$1,619.04	$656.40	$0.00	$119,563.21
#299	2051-08	$2,925.44	$1,627.81	$647.63	$0.00	$117,935.40
#300	2051-09	$2,925.44	$1,636.62	$638.82	$0.00	$116,298.78

Año 26Saldo$95,953.91Capital$20,344.87Interés$6,960.41PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#301	2051-10	$2,925.44	$1,645.49	$629.95	$0.00	$114,653.29
#302	2051-11	$2,925.44	$1,654.40	$621.04	$0.00	$112,998.89
#303	2051-12	$2,925.44	$1,663.36	$612.08	$0.00	$111,335.53
#304	2052-01	$2,925.44	$1,672.37	$603.07	$0.00	$109,663.16
#305	2052-02	$2,925.44	$1,681.43	$594.01	$0.00	$107,981.73
#306	2052-03	$2,925.44	$1,690.54	$584.90	$0.00	$106,291.19
#307	2052-04	$2,925.44	$1,699.70	$575.74	$0.00	$104,591.49
#308	2052-05	$2,925.44	$1,708.90	$566.54	$0.00	$102,882.59
#309	2052-06	$2,925.44	$1,718.16	$557.28	$0.00	$101,164.43
#310	2052-07	$2,925.44	$1,727.47	$547.97	$0.00	$99,436.96
#311	2052-08	$2,925.44	$1,736.82	$538.62	$0.00	$97,700.14
#312	2052-09	$2,925.44	$1,746.23	$529.21	$0.00	$95,953.91

Año 27Saldo$74,246.50Capital$21,707.41Interés$5,597.87PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#313	2052-10	$2,925.44	$1,755.69	$519.75	$0.00	$94,198.22
#314	2052-11	$2,925.44	$1,765.20	$510.24	$0.00	$92,433.02
#315	2052-12	$2,925.44	$1,774.76	$500.68	$0.00	$90,658.26
#316	2053-01	$2,925.44	$1,784.37	$491.07	$0.00	$88,873.89
#317	2053-02	$2,925.44	$1,794.04	$481.40	$0.00	$87,079.85
#318	2053-03	$2,925.44	$1,803.76	$471.68	$0.00	$85,276.09
#319	2053-04	$2,925.44	$1,813.53	$461.91	$0.00	$83,462.56
#320	2053-05	$2,925.44	$1,823.35	$452.09	$0.00	$81,639.21
#321	2053-06	$2,925.44	$1,833.23	$442.21	$0.00	$79,805.98
#322	2053-07	$2,925.44	$1,843.16	$432.28	$0.00	$77,962.82
#323	2053-08	$2,925.44	$1,853.14	$422.30	$0.00	$76,109.68
#324	2053-09	$2,925.44	$1,863.18	$412.26	$0.00	$74,246.50

Año 28Saldo$51,085.31Capital$23,161.19Interés$4,144.09PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#325	2053-10	$2,925.44	$1,873.27	$402.17	$0.00	$72,373.23
#326	2053-11	$2,925.44	$1,883.42	$392.02	$0.00	$70,489.81
#327	2053-12	$2,925.44	$1,893.62	$381.82	$0.00	$68,596.19
#328	2054-01	$2,925.44	$1,903.88	$371.56	$0.00	$66,692.31
#329	2054-02	$2,925.44	$1,914.19	$361.25	$0.00	$64,778.12
#330	2054-03	$2,925.44	$1,924.56	$350.88	$0.00	$62,853.56
#331	2054-04	$2,925.44	$1,934.98	$340.46	$0.00	$60,918.58
#332	2054-05	$2,925.44	$1,945.46	$329.98	$0.00	$58,973.12
#333	2054-06	$2,925.44	$1,956.00	$319.44	$0.00	$57,017.12
#334	2054-07	$2,925.44	$1,966.60	$308.84	$0.00	$55,050.52
#335	2054-08	$2,925.44	$1,977.25	$298.19	$0.00	$53,073.27
#336	2054-09	$2,925.44	$1,987.96	$287.48	$0.00	$51,085.31

Año 29Saldo$26,372.97Capital$24,712.34Interés$2,592.94PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#337	2054-10	$2,925.44	$1,998.73	$276.71	$0.00	$49,086.58
#338	2054-11	$2,925.44	$2,009.55	$265.89	$0.00	$47,077.03
#339	2054-12	$2,925.44	$2,020.44	$255.00	$0.00	$45,056.59
#340	2055-01	$2,925.44	$2,031.38	$244.06	$0.00	$43,025.21
#341	2055-02	$2,925.44	$2,042.39	$233.05	$0.00	$40,982.82
#342	2055-03	$2,925.44	$2,053.45	$221.99	$0.00	$38,929.37
#343	2055-04	$2,925.44	$2,064.57	$210.87	$0.00	$36,864.80
#344	2055-05	$2,925.44	$2,075.76	$199.68	$0.00	$34,789.04
#345	2055-06	$2,925.44	$2,087.00	$188.44	$0.00	$32,702.04
#346	2055-07	$2,925.44	$2,098.30	$177.14	$0.00	$30,603.74
#347	2055-08	$2,925.44	$2,109.67	$165.77	$0.00	$28,494.07
#348	2055-09	$2,925.44	$2,121.10	$154.34	$0.00	$26,372.97

Año 30Saldo$0.00Capital$26,372.97Interés$937.91PMI/MIP$0.00Ver desglose mensual (12 meses)Ocultar desglose mensual

Mes	Fecha	Pago mensual	Capital	Interés	PMI/MIP	Saldo restante
#349	2055-10	$2,925.44	$2,132.59	$142.85	$0.00	$24,240.38
#350	2055-11	$2,925.44	$2,144.14	$131.30	$0.00	$22,096.24
#351	2055-12	$2,925.44	$2,155.75	$119.69	$0.00	$19,940.49
#352	2056-01	$2,925.44	$2,167.43	$108.01	$0.00	$17,773.06
#353	2056-02	$2,925.44	$2,179.17	$96.27	$0.00	$15,593.89
#354	2056-03	$2,925.44	$2,190.97	$84.47	$0.00	$13,402.92
#355	2056-04	$2,925.44	$2,202.84	$72.60	$0.00	$11,200.08
#356	2056-05	$2,925.44	$2,214.77	$60.67	$0.00	$8,985.31
#357	2056-06	$2,925.44	$2,226.77	$48.67	$0.00	$6,758.54
#358	2056-07	$2,925.44	$2,238.83	$36.61	$0.00	$4,519.71
#359	2056-08	$2,925.44	$2,250.96	$24.48	$0.00	$2,268.75
#360	2056-09	$2,931.04	$2,268.75	$12.29	$0.00	$0.00

Ejemplos Prácticos de Hipotecas en EE. UU.

Vivienda de $400,000 con 10% de enganche ($40,000) a 30 años al 6.5% APR

Parámetros: Precio: $400,000, Enganche: $40,000 (10%), Plazo: 30 años, Tasa: 6.5%, Impuestos: $4,800/año, Seguro: $1,800/año, HOA: $100/mes

Resultado: Capital e Intereses: $2,275.44/mes; Impuestos: $400/mes; Seguro: $150/mes; PMI: $225/mes; HOA: $100/mes. Pago total inicial: $3,150.44/mes. El PMI se cancela automáticamente al alcanzar el 78% LTV ($312,000 de saldo).

Préstamo FHA para primera vivienda de $300,000 con 3.5% de enganche ($10,500) al 5.75% APR

Parámetros: Precio: $300,000, Enganche: $10,500 (3.5%), Plazo: 30 años, Tasa: 5.75%, Tipo: FHA

Resultado: Capital e Intereses: $1,689.65/mes; MIP anual FHA: $132.69/mes. Al tener un enganche menor al 10%, el MIP permanece durante los 30 años completos del préstamo (Life of Loan).

Fuentes Oficiales y Regulaciones

Preguntas Frecuentes sobre Hipotecas y PMI

¿Qué incluye el costo mensual de vivienda PITI?

PITI representa los cuatro componentes principales del pago mensual de una vivienda: Capital (Principal), Intereses (Interest), Impuestos sobre la propiedad (Taxes) y Seguro de vivienda (Insurance). Si tu pago inicial es menor al 20% en un préstamo convencional, también se suma el seguro hipotecario privado (PMI), además de las cuotas de la Asociación de Propietarios (HOA) si la vivienda pertenece a un condominio o comunidad planificada.

¿Cuándo se cancela el seguro hipotecario privado (PMI)?

Bajo la Ley Federal de Protección a Propietarios de 1998 (HPA, 12 U.S.C. § 4901), para préstamos convencionales, el prestamista debe cancelar automáticamente el PMI en la fecha en que el saldo esté programado para alcanzar el 78% del valor original de la vivienda según el calendario de amortización inicial. Como prestatario, también tienes derecho a solicitar por escrito la cancelación del PMI una vez que tu saldo alcance el 80% del valor original, siempre que tengas un buen historial de pagos.

¿Cómo funciona el seguro hipotecario (MIP) en un préstamo FHA?

A diferencia de los préstamos convencionales, los préstamos de la FHA se rigen por la directiva HUD Mortgagee Letter 2013-04. Si realizas un pago inicial menor al 10% (LTV superior al 90%), la prima anual de seguro hipotecario (MIP) debe pagarse durante los 30 años completos de vida del préstamo (Life of Loan) y no se cancela al alcanzar el 78% de LTV. Si aportas el 10% o más de enganche, el MIP se cancela después de 11 años.

¿Por qué los préstamos VA no tienen PMI mensual?

Los préstamos hipotecarios respaldados por el Departamento de Asuntos de Veteranos (VA) para militares activos, veteranos y cónyuges sobrevivientes elegibles no cobran seguro hipotecario mensual (PMI), incluso con un 0% de pago inicial. En su lugar, el programa cobra una tarifa de financiamiento (VA Funding Fee) única al cierre, que puede pagarse al contado o financiarse en el préstamo.

¿Por qué no se aplican impuestos a la propiedad promedio automáticos?

Las tasas de impuestos sobre la propiedad en EE. UU. varían drásticamente según el estado, condado y distrito escolar, desde menos del 0.3% en Hawái hasta más del 2.2% en Nueva Jersey. Aplicar un promedio nacional artificial generaría pagos mensuales inexactos y engañosos. Nuestra calculadora requiere que ingreses los impuestos y seguros de tu área o indica claramente que el resultado excluye la cuenta de custodia (escrow).