2026 年美国 30 年固定利率约 6.0%-7.5%。月供 (P&I) 取决于利率与首付。下表基于首付 20%（贷款额 $240,000）：
| 利率 | 月供 (P&I) | 30 年总利息 |
|---|---|---|
| 5.5% | $1,363 | $250,853 |
| 6.0% | $1,439 | $277,800 |
| 6.5% | $1,516 | $305,773 |
| 7.0% | $1,596 | $334,498 |
| 7.5% | $1,677 | $363,852 |
$300,000 全额贷款（首付 0%），6.5% 30 年月供 $1,896；加上房产税（约 $250/月）与房屋保险（约 $100/月）后约 $2,246/月。
PITI = 本金 + 利息 + 房产税 + 房屋保险。房产税各州不同：TX 1.5%-2.5%/年，CA 0.6%-1.1%/年，HI 0.3%/年。
We calculate the principal by subtracting your down payment from the home price.
Using the loan amount, interest rate, and term, we calculate your fixed monthly payment.
Each payment is split between principal and interest, with early payments going more toward interest.
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