# Mortgage Calculator: Loan — PITI, FHA, VA, amortization

> PITI, FHA, VA, amortization (iPhone/iPad app by fung ka wa.)

- Source: https://appshunter.io/ios/app/mortgage-calculator-loan/id6784543282 (this page in markdown: same URL + `.md`)
- Developer: [fung ka wa](https://appshunter.io/developer/6778859454)
- Category: Finance, Utilities
- Price: Free
- Age rating: 4+
- Requires: iOS 13.0 · 24 MB
- Languages: American English
- Released: 2026-07-02
- Data updated: 2026-07-04
- User reviews in markdown: https://appshunter.io/ios/app/mortgage-calculator-loan/id6784543282/reviews.md

## What is Mortgage Calculator?

Mortgage Calc is a fast, private mortgage calculator built for U.S. buyers
and owners who just want honest numbers — not a sales funnel.

Most "free" mortgage calculators exist to harvest your name, phone number,
and email for loan officers. This one doesn't. There is no sign-up, no
account, and no lead form. Everything runs offline on your device, and your
inputs never leave your phone.

WHAT IT CALCULATES

• Full monthly payment (PITI) — principal, interest, property tax, and
  homeowners insurance, broken down line by line.
• PMI / MIP — automatic private mortgage insurance when you put down less
  than 20%, plus FHA mortgage insurance premiums.
• Loan types — Conventional, FHA, VA, and USDA, each with its own rules and
  down-payment minimums applied for you.
• ARMs — 5/1, 7/1, and 10/1 adjustable-rate mortgages modeled under the
  standard 2/2/5 cap structure so you can see the worst-case payment path.
• Amortization schedule — a full year-by-year (or month-by-month) table plus
  a principal-vs-interest chart and a running balance/equity view.
• Refinance break-even — compare your current loan to a new offer and get a
  plain-English answer on whether and when refinancing pays off.
• Affordability — work it two ways: "I can pay $X/month, what home price is
  that?" or "I earn $X/year, what would a lender approve?" (DTI-based).
• Compare scenarios — put two setups side by side: 15- vs 30-year, more down
  vs less down, extra principal vs not.
• Biweekly payments — see how 26 half-payments a year shorten your loan and
  cut total interest.
• Closing costs, discount points, extra monthly principal, HOA, and
  state-specific tax/insurance defaults.

WHY PEOPLE LIKE IT

• 100% offline — no network needed, nothing uploaded.
• No lender funnel — no forms, no spam calls, no "get pre-approved" traps.
• No account, no tracking — we don't track you across apps or websites.
• Clean and calm — one clear monthly number up top, details when you want them.
• Optional one-time "Remove Ads" purchase. No subscriptions, ever.

WHO IT'S FOR

First-time buyers trying to understand the real monthly cost. Owners weighing
a refinance. Anyone comparing FHA vs conventional, or 15- vs 30-year, or how
much extra principal actually saves.

A NOTE ON ACCURACY

Mortgage Calc gives estimates for planning and education only. Results are
not a loan offer, a pre-approval, or financial advice. Actual rates, taxes,
insurance, PMI, and fees depend on your lender, location, and credit. Always
confirm final figures with a licensed professional before making decisions.

Built quietly, by one person, to do one thing well: give you the numbers,
and get out of your way.


## Version history (last 1 release)

### 1.0 — 2026-07-02

No release notes.

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All apps by fung ka wa: https://appshunter.io/developer/6778859454

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-04.*