The monthly payment is only part of the picture. Free mortgage calculator for the United States: monthly repayments, deposit and the cash you need on day one, including every buying cost and tax.
Costs on top of the price
US$12,450
Home buyer · Typical (most states) ·
What do you want to work out?
Your monthly repayments, the deposit and the cash you need on day one.
Monthly repayment
Loan
US$300,000Deposit
US$100,000Total interest
US$382,633If rates rise 1%
US$2,098If rates rise 2%
US$2,307Cash needed on day one
US$112,450Example rate only, not a quote or mortgage advice. Rates change daily and depend on you; speak to a lender or a regulated mortgage broker. Your home may be repossessed if you do not keep up repayments on your mortgage.
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Reach people working out the cost of buying in the United StatesFor lawyers, brokers, surveyors and agents serving the United States. Shown only on these pages, labelled as sponsored.Where are you buying?
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Questions
Home buyer in Typical (most states): closing costs come to about US$12,000. All buying costs together come to about US$12,450, or 3.1% of the price. Change the price or buyer type above to see your own figure.
No. Foreign buyers pay the same purchase taxes as local buyers in United States. Some rules on who can buy, or which rate applies, can still depend on where you live.
Most states have no limits. Some limit buyers from certain countries, mostly for farmland or land near military sites. When you sell, up to 15% of the price may be held back for tax (FIRPTA) if you're not US resident.
An ITIN or Social Security number for a mortgage and tax. A US closing attorney or title company.
We last updated the figures on 14 Oct 2026 and checked them against official sources on 23 Oct 2026. We check every country every week, and show a warning if a check is overdue.
Guides
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