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📍 Mexico · Housing & Loans Updated 2025/2026 Rules

Mexico Mortgage Calculator

Estimate your Mexico monthly mortgage payment and compare the effect of changing your down payment, rate, term and other costs. Confirm current terms with a lender.

Mexico · MXN

Modeled for Mexico: Crédito hipotecario en pesos or UMA index. Banxico / CNBV regulations: 80%–90% max LTV, 30%–40% CAT-based DTI capacity

Rule version: source-linked-2026 · Last reviewed: 2026-09-06 (Verified statutory framework) · Official reference

⚙️ Inputs 📊 Breakdown 📅 Amortization 📖 Guide

Loan Details ?

Home price ? MXN 450,000.00

$50,000 $2,000,000+

Down payment ? MXN 90,000.00

Loan Terms

Interest rate (Annual %) ? 10.25%

1.0% 15.0%

Loan term

Monthly Costs & Escrow

Property Tax (% / year)

Home insurance ($ / yr)

HOA / Fees ($ / mo)

Fees and Advanced Options ▼

Origination fees ($)

Points (%)

Reset

Monthly Payment ✓

MXN 3,533.92

Principal, Interest, Tax & Ins. PITI

Total Payments 🗓️

MXN 848,137.94

Over full loan term

Total Interest 💲

MXN 488,137.94

Cost of borrowing

Loan & APR MX

MXN 360,000.00

APR 10.25% · LTV 80.00%

Monthly Payment Breakdown

Where each monthly dollar goes

MXN 3,533.92 / mo

100.0% P&I

P&I 100.0%

MXN 3,533.92

Composite

🛡️ Every on-time payment reduces your principal balance and builds lasting equity.

Tax + Insurance + HOA Total: MXN 0.00 / mo

⚠

Rate Context excellent

Below the 25th percentile of published rates — a strong offer.

Market average 10.25% · 25th 10.25% · 75th 10.25% · your rate is 0 bp vs average (sample of 1 loans).

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Calculation is instantly saved in this shareable URL.

Principal vs. Interest Cumulative Principal Interest

Outstanding Loan Balance Over Time

Amortization Schedule

Track how your balance decreases month by month or year by year

Year	Annual Payment	Principal Paid	Interest Paid	Ending Balance
Year 1	MXN 42,407.04	MXN 5,773.26	MXN 36,633.78	MXN 354,226.74
Year 2	MXN 42,407.04	MXN 6,393.62	MXN 36,013.42	MXN 347,833.12
Year 3	MXN 42,407.04	MXN 7,080.65	MXN 35,326.39	MXN 340,752.47
Year 4	MXN 42,407.04	MXN 7,841.52	MXN 34,565.52	MXN 332,910.95
Year 5	MXN 42,407.04	MXN 8,684.14	MXN 33,722.90	MXN 324,226.81
Year 6	MXN 42,407.04	MXN 9,617.27	MXN 32,789.77	MXN 314,609.54
Year 7	MXN 42,407.04	MXN 10,650.70	MXN 31,756.34	MXN 303,958.84
Year 8	MXN 42,407.04	MXN 11,795.16	MXN 30,611.88	MXN 292,163.68
Year 9	MXN 42,407.04	MXN 13,062.63	MXN 29,344.41	MXN 279,101.05
Year 10	MXN 42,407.04	MXN 14,466.27	MXN 27,940.77	MXN 264,634.78
Year 11	MXN 42,407.04	MXN 16,020.75	MXN 26,386.29	MXN 248,614.03
Year 12	MXN 42,407.04	MXN 17,742.26	MXN 24,664.78	MXN 230,871.77
Year 13	MXN 42,407.04	MXN 19,648.78	MXN 22,758.26	MXN 211,222.99
Year 14	MXN 42,407.04	MXN 21,760.12	MXN 20,646.92	MXN 189,462.87
Year 15	MXN 42,407.04	MXN 24,098.35	MXN 18,308.69	MXN 165,364.52
Year 16	MXN 42,407.04	MXN 26,687.84	MXN 15,719.20	MXN 138,676.68
Year 17	MXN 42,407.04	MXN 29,555.61	MXN 12,851.43	MXN 109,121.07
Year 18	MXN 42,407.04	MXN 32,731.49	MXN 9,675.55	MXN 76,389.58
Year 19	MXN 42,407.04	MXN 36,248.67	MXN 6,158.37	MXN 40,140.91
Year 20	MXN 42,404.18	MXN 40,140.91	MXN 2,263.27	MXN 0.00

Month	Payment	Principal	Interest	Remaining Balance
Month 1	MXN 3,533.92	MXN 458.92	MXN 3,075.00	MXN 359,541.08
Month 2	MXN 3,533.92	MXN 462.84	MXN 3,071.08	MXN 359,078.24
Month 3	MXN 3,533.92	MXN 466.79	MXN 3,067.13	MXN 358,611.45
Month 4	MXN 3,533.92	MXN 470.78	MXN 3,063.14	MXN 358,140.67
Month 5	MXN 3,533.92	MXN 474.80	MXN 3,059.12	MXN 357,665.87
Month 6	MXN 3,533.92	MXN 478.86	MXN 3,055.06	MXN 357,187.01
Month 7	MXN 3,533.92	MXN 482.95	MXN 3,050.97	MXN 356,704.06
Month 8	MXN 3,533.92	MXN 487.07	MXN 3,046.85	MXN 356,216.99
Month 9	MXN 3,533.92	MXN 491.23	MXN 3,042.69	MXN 355,725.76
Month 10	MXN 3,533.92	MXN 495.43	MXN 3,038.49	MXN 355,230.33
Month 11	MXN 3,533.92	MXN 499.66	MXN 3,034.26	MXN 354,730.67
Month 12	MXN 3,533.92	MXN 503.93	MXN 3,029.99	MXN 354,226.74
Month 13	MXN 3,533.92	MXN 508.23	MXN 3,025.69	MXN 353,718.51
Month 14	MXN 3,533.92	MXN 512.57	MXN 3,021.35	MXN 353,205.94
Month 15	MXN 3,533.92	MXN 516.95	MXN 3,016.97	MXN 352,688.99
Month 16	MXN 3,533.92	MXN 521.37	MXN 3,012.55	MXN 352,167.62
Month 17	MXN 3,533.92	MXN 525.82	MXN 3,008.10	MXN 351,641.80
Month 18	MXN 3,533.92	MXN 530.31	MXN 3,003.61	MXN 351,111.49
Month 19	MXN 3,533.92	MXN 534.84	MXN 2,999.08	MXN 350,576.65
Month 20	MXN 3,533.92	MXN 539.41	MXN 2,994.51	MXN 350,037.24
Month 21	MXN 3,533.92	MXN 544.02	MXN 2,989.90	MXN 349,493.22
Month 22	MXN 3,533.92	MXN 548.67	MXN 2,985.25	MXN 348,944.55
Month 23	MXN 3,533.92	MXN 553.35	MXN 2,980.57	MXN 348,391.20
Month 24	MXN 3,533.92	MXN 558.08	MXN 2,975.84	MXN 347,833.12
Month 25	MXN 3,533.92	MXN 562.85	MXN 2,971.07	MXN 347,270.27
Month 26	MXN 3,533.92	MXN 567.65	MXN 2,966.27	MXN 346,702.62
Month 27	MXN 3,533.92	MXN 572.50	MXN 2,961.42	MXN 346,130.12
Month 28	MXN 3,533.92	MXN 577.39	MXN 2,956.53	MXN 345,552.73
Month 29	MXN 3,533.92	MXN 582.32	MXN 2,951.60	MXN 344,970.41
Month 30	MXN 3,533.92	MXN 587.30	MXN 2,946.62	MXN 344,383.11
Month 31	MXN 3,533.92	MXN 592.31	MXN 2,941.61	MXN 343,790.80
Month 32	MXN 3,533.92	MXN 597.37	MXN 2,936.55	MXN 343,193.43
Month 33	MXN 3,533.92	MXN 602.48	MXN 2,931.44	MXN 342,590.95
Month 34	MXN 3,533.92	MXN 607.62	MXN 2,926.30	MXN 341,983.33
Month 35	MXN 3,533.92	MXN 612.81	MXN 2,921.11	MXN 341,370.52
Month 36	MXN 3,533.92	MXN 618.05	MXN 2,915.87	MXN 340,752.47
Month 37	MXN 3,533.92	MXN 623.33	MXN 2,910.59	MXN 340,129.14
Month 38	MXN 3,533.92	MXN 628.65	MXN 2,905.27	MXN 339,500.49
Month 39	MXN 3,533.92	MXN 634.02	MXN 2,899.90	MXN 338,866.47
Month 40	MXN 3,533.92	MXN 639.44	MXN 2,894.48	MXN 338,227.03
Month 41	MXN 3,533.92	MXN 644.90	MXN 2,889.02	MXN 337,582.13
Month 42	MXN 3,533.92	MXN 650.41	MXN 2,883.51	MXN 336,931.72
Month 43	MXN 3,533.92	MXN 655.96	MXN 2,877.96	MXN 336,275.76
Month 44	MXN 3,533.92	MXN 661.56	MXN 2,872.36	MXN 335,614.20
Month 45	MXN 3,533.92	MXN 667.22	MXN 2,866.70	MXN 334,946.98
Month 46	MXN 3,533.92	MXN 672.91	MXN 2,861.01	MXN 334,274.07
Month 47	MXN 3,533.92	MXN 678.66	MXN 2,855.26	MXN 333,595.41
Month 48	MXN 3,533.92	MXN 684.46	MXN 2,849.46	MXN 332,910.95
Month 49	MXN 3,533.92	MXN 690.31	MXN 2,843.61	MXN 332,220.64
Month 50	MXN 3,533.92	MXN 696.20	MXN 2,837.72	MXN 331,524.44
Month 51	MXN 3,533.92	MXN 702.15	MXN 2,831.77	MXN 330,822.29
Month 52	MXN 3,533.92	MXN 708.15	MXN 2,825.77	MXN 330,114.14
Month 53	MXN 3,533.92	MXN 714.20	MXN 2,819.72	MXN 329,399.94
Month 54	MXN 3,533.92	MXN 720.30	MXN 2,813.62	MXN 328,679.64
Month 55	MXN 3,533.92	MXN 726.45	MXN 2,807.47	MXN 327,953.19
Month 56	MXN 3,533.92	MXN 732.65	MXN 2,801.27	MXN 327,220.54
Month 57	MXN 3,533.92	MXN 738.91	MXN 2,795.01	MXN 326,481.63
Month 58	MXN 3,533.92	MXN 745.22	MXN 2,788.70	MXN 325,736.41
Month 59	MXN 3,533.92	MXN 751.59	MXN 2,782.33	MXN 324,984.82
Month 60	MXN 3,533.92	MXN 758.01	MXN 2,775.91	MXN 324,226.81
Month 61	MXN 3,533.92	MXN 764.48	MXN 2,769.44	MXN 323,462.33
Month 62	MXN 3,533.92	MXN 771.01	MXN 2,762.91	MXN 322,691.32
Month 63	MXN 3,533.92	MXN 777.60	MXN 2,756.32	MXN 321,913.72
Month 64	MXN 3,533.92	MXN 784.24	MXN 2,749.68	MXN 321,129.48
Month 65	MXN 3,533.92	MXN 790.94	MXN 2,742.98	MXN 320,338.54
Month 66	MXN 3,533.92	MXN 797.69	MXN 2,736.23	MXN 319,540.85
Month 67	MXN 3,533.92	MXN 804.51	MXN 2,729.41	MXN 318,736.34
Month 68	MXN 3,533.92	MXN 811.38	MXN 2,722.54	MXN 317,924.96
Month 69	MXN 3,533.92	MXN 818.31	MXN 2,715.61	MXN 317,106.65
Month 70	MXN 3,533.92	MXN 825.30	MXN 2,708.62	MXN 316,281.35
Month 71	MXN 3,533.92	MXN 832.35	MXN 2,701.57	MXN 315,449.00
Month 72	MXN 3,533.92	MXN 839.46	MXN 2,694.46	MXN 314,609.54
Month 73	MXN 3,533.92	MXN 846.63	MXN 2,687.29	MXN 313,762.91
Month 74	MXN 3,533.92	MXN 853.86	MXN 2,680.06	MXN 312,909.05
Month 75	MXN 3,533.92	MXN 861.16	MXN 2,672.76	MXN 312,047.89
Month 76	MXN 3,533.92	MXN 868.51	MXN 2,665.41	MXN 311,179.38
Month 77	MXN 3,533.92	MXN 875.93	MXN 2,657.99	MXN 310,303.45
Month 78	MXN 3,533.92	MXN 883.41	MXN 2,650.51	MXN 309,420.04
Month 79	MXN 3,533.92	MXN 890.96	MXN 2,642.96	MXN 308,529.08
Month 80	MXN 3,533.92	MXN 898.57	MXN 2,635.35	MXN 307,630.51
Month 81	MXN 3,533.92	MXN 906.24	MXN 2,627.68	MXN 306,724.27
Month 82	MXN 3,533.92	MXN 913.98	MXN 2,619.94	MXN 305,810.29
Month 83	MXN 3,533.92	MXN 921.79	MXN 2,612.13	MXN 304,888.50
Month 84	MXN 3,533.92	MXN 929.66	MXN 2,604.26	MXN 303,958.84
Month 85	MXN 3,533.92	MXN 937.60	MXN 2,596.32	MXN 303,021.24
Month 86	MXN 3,533.92	MXN 945.61	MXN 2,588.31	MXN 302,075.63
Month 87	MXN 3,533.92	MXN 953.69	MXN 2,580.23	MXN 301,121.94
Month 88	MXN 3,533.92	MXN 961.84	MXN 2,572.08	MXN 300,160.10
Month 89	MXN 3,533.92	MXN 970.05	MXN 2,563.87	MXN 299,190.05
Month 90	MXN 3,533.92	MXN 978.34	MXN 2,555.58	MXN 298,211.71
Month 91	MXN 3,533.92	MXN 986.69	MXN 2,547.23	MXN 297,225.02
Month 92	MXN 3,533.92	MXN 995.12	MXN 2,538.80	MXN 296,229.90
Month 93	MXN 3,533.92	MXN 1,003.62	MXN 2,530.30	MXN 295,226.28
Month 94	MXN 3,533.92	MXN 1,012.20	MXN 2,521.72	MXN 294,214.08
Month 95	MXN 3,533.92	MXN 1,020.84	MXN 2,513.08	MXN 293,193.24
Month 96	MXN 3,533.92	MXN 1,029.56	MXN 2,504.36	MXN 292,163.68
Month 97	MXN 3,533.92	MXN 1,038.36	MXN 2,495.56	MXN 291,125.32
Month 98	MXN 3,533.92	MXN 1,047.22	MXN 2,486.70	MXN 290,078.10
Month 99	MXN 3,533.92	MXN 1,056.17	MXN 2,477.75	MXN 289,021.93
Month 100	MXN 3,533.92	MXN 1,065.19	MXN 2,468.73	MXN 287,956.74
Month 101	MXN 3,533.92	MXN 1,074.29	MXN 2,459.63	MXN 286,882.45
Month 102	MXN 3,533.92	MXN 1,083.47	MXN 2,450.45	MXN 285,798.98
Month 103	MXN 3,533.92	MXN 1,092.72	MXN 2,441.20	MXN 284,706.26
Month 104	MXN 3,533.92	MXN 1,102.05	MXN 2,431.87	MXN 283,604.21
Month 105	MXN 3,533.92	MXN 1,111.47	MXN 2,422.45	MXN 282,492.74
Month 106	MXN 3,533.92	MXN 1,120.96	MXN 2,412.96	MXN 281,371.78
Month 107	MXN 3,533.92	MXN 1,130.54	MXN 2,403.38	MXN 280,241.24
Month 108	MXN 3,533.92	MXN 1,140.19	MXN 2,393.73	MXN 279,101.05
Month 109	MXN 3,533.92	MXN 1,149.93	MXN 2,383.99	MXN 277,951.12
Month 110	MXN 3,533.92	MXN 1,159.75	MXN 2,374.17	MXN 276,791.37
Month 111	MXN 3,533.92	MXN 1,169.66	MXN 2,364.26	MXN 275,621.71
Month 112	MXN 3,533.92	MXN 1,179.65	MXN 2,354.27	MXN 274,442.06
Month 113	MXN 3,533.92	MXN 1,189.73	MXN 2,344.19	MXN 273,252.33
Month 114	MXN 3,533.92	MXN 1,199.89	MXN 2,334.03	MXN 272,052.44
Month 115	MXN 3,533.92	MXN 1,210.14	MXN 2,323.78	MXN 270,842.30
Month 116	MXN 3,533.92	MXN 1,220.48	MXN 2,313.44	MXN 269,621.82
Month 117	MXN 3,533.92	MXN 1,230.90	MXN 2,303.02	MXN 268,390.92
Month 118	MXN 3,533.92	MXN 1,241.41	MXN 2,292.51	MXN 267,149.51
Month 119	MXN 3,533.92	MXN 1,252.02	MXN 2,281.90	MXN 265,897.49
Month 120	MXN 3,533.92	MXN 1,262.71	MXN 2,271.21	MXN 264,634.78
Month 121	MXN 3,533.92	MXN 1,273.50	MXN 2,260.42	MXN 263,361.28
Month 122	MXN 3,533.92	MXN 1,284.38	MXN 2,249.54	MXN 262,076.90
Month 123	MXN 3,533.92	MXN 1,295.35	MXN 2,238.57	MXN 260,781.55
Month 124	MXN 3,533.92	MXN 1,306.41	MXN 2,227.51	MXN 259,475.14
Month 125	MXN 3,533.92	MXN 1,317.57	MXN 2,216.35	MXN 258,157.57
Month 126	MXN 3,533.92	MXN 1,328.82	MXN 2,205.10	MXN 256,828.75
Month 127	MXN 3,533.92	MXN 1,340.17	MXN 2,193.75	MXN 255,488.58
Month 128	MXN 3,533.92	MXN 1,351.62	MXN 2,182.30	MXN 254,136.96
Month 129	MXN 3,533.92	MXN 1,363.17	MXN 2,170.75	MXN 252,773.79
Month 130	MXN 3,533.92	MXN 1,374.81	MXN 2,159.11	MXN 251,398.98
Month 131	MXN 3,533.92	MXN 1,386.55	MXN 2,147.37	MXN 250,012.43
Month 132	MXN 3,533.92	MXN 1,398.40	MXN 2,135.52	MXN 248,614.03
Month 133	MXN 3,533.92	MXN 1,410.34	MXN 2,123.58	MXN 247,203.69
Month 134	MXN 3,533.92	MXN 1,422.39	MXN 2,111.53	MXN 245,781.30
Month 135	MXN 3,533.92	MXN 1,434.54	MXN 2,099.38	MXN 244,346.76
Month 136	MXN 3,533.92	MXN 1,446.79	MXN 2,087.13	MXN 242,899.97
Month 137	MXN 3,533.92	MXN 1,459.15	MXN 2,074.77	MXN 241,440.82
Month 138	MXN 3,533.92	MXN 1,471.61	MXN 2,062.31	MXN 239,969.21
Month 139	MXN 3,533.92	MXN 1,484.18	MXN 2,049.74	MXN 238,485.03
Month 140	MXN 3,533.92	MXN 1,496.86	MXN 2,037.06	MXN 236,988.17
Month 141	MXN 3,533.92	MXN 1,509.65	MXN 2,024.27	MXN 235,478.52
Month 142	MXN 3,533.92	MXN 1,522.54	MXN 2,011.38	MXN 233,955.98
Month 143	MXN 3,533.92	MXN 1,535.55	MXN 1,998.37	MXN 232,420.43
Month 144	MXN 3,533.92	MXN 1,548.66	MXN 1,985.26	MXN 230,871.77
Month 145	MXN 3,533.92	MXN 1,561.89	MXN 1,972.03	MXN 229,309.88
Month 146	MXN 3,533.92	MXN 1,575.23	MXN 1,958.69	MXN 227,734.65
Month 147	MXN 3,533.92	MXN 1,588.69	MXN 1,945.23	MXN 226,145.96
Month 148	MXN 3,533.92	MXN 1,602.26	MXN 1,931.66	MXN 224,543.70
Month 149	MXN 3,533.92	MXN 1,615.94	MXN 1,917.98	MXN 222,927.76
Month 150	MXN 3,533.92	MXN 1,629.75	MXN 1,904.17	MXN 221,298.01
Month 151	MXN 3,533.92	MXN 1,643.67	MXN 1,890.25	MXN 219,654.34
Month 152	MXN 3,533.92	MXN 1,657.71	MXN 1,876.21	MXN 217,996.63
Month 153	MXN 3,533.92	MXN 1,671.87	MXN 1,862.05	MXN 216,324.76
Month 154	MXN 3,533.92	MXN 1,686.15	MXN 1,847.77	MXN 214,638.61
Month 155	MXN 3,533.92	MXN 1,700.55	MXN 1,833.37	MXN 212,938.06
Month 156	MXN 3,533.92	MXN 1,715.07	MXN 1,818.85	MXN 211,222.99
Month 157	MXN 3,533.92	MXN 1,729.72	MXN 1,804.20	MXN 209,493.27
Month 158	MXN 3,533.92	MXN 1,744.50	MXN 1,789.42	MXN 207,748.77
Month 159	MXN 3,533.92	MXN 1,759.40	MXN 1,774.52	MXN 205,989.37
Month 160	MXN 3,533.92	MXN 1,774.43	MXN 1,759.49	MXN 204,214.94
Month 161	MXN 3,533.92	MXN 1,789.58	MXN 1,744.34	MXN 202,425.36
Month 162	MXN 3,533.92	MXN 1,804.87	MXN 1,729.05	MXN 200,620.49
Month 163	MXN 3,533.92	MXN 1,820.29	MXN 1,713.63	MXN 198,800.20
Month 164	MXN 3,533.92	MXN 1,835.83	MXN 1,698.09	MXN 196,964.37
Month 165	MXN 3,533.92	MXN 1,851.52	MXN 1,682.40	MXN 195,112.85
Month 166	MXN 3,533.92	MXN 1,867.33	MXN 1,666.59	MXN 193,245.52
Month 167	MXN 3,533.92	MXN 1,883.28	MXN 1,650.64	MXN 191,362.24
Month 168	MXN 3,533.92	MXN 1,899.37	MXN 1,634.55	MXN 189,462.87
Month 169	MXN 3,533.92	MXN 1,915.59	MXN 1,618.33	MXN 187,547.28
Month 170	MXN 3,533.92	MXN 1,931.95	MXN 1,601.97	MXN 185,615.33
Month 171	MXN 3,533.92	MXN 1,948.46	MXN 1,585.46	MXN 183,666.87
Month 172	MXN 3,533.92	MXN 1,965.10	MXN 1,568.82	MXN 181,701.77
Month 173	MXN 3,533.92	MXN 1,981.88	MXN 1,552.04	MXN 179,719.89
Month 174	MXN 3,533.92	MXN 1,998.81	MXN 1,535.11	MXN 177,721.08
Month 175	MXN 3,533.92	MXN 2,015.89	MXN 1,518.03	MXN 175,705.19
Month 176	MXN 3,533.92	MXN 2,033.10	MXN 1,500.82	MXN 173,672.09
Month 177	MXN 3,533.92	MXN 2,050.47	MXN 1,483.45	MXN 171,621.62
Month 178	MXN 3,533.92	MXN 2,067.99	MXN 1,465.93	MXN 169,553.63
Month 179	MXN 3,533.92	MXN 2,085.65	MXN 1,448.27	MXN 167,467.98
Month 180	MXN 3,533.92	MXN 2,103.46	MXN 1,430.46	MXN 165,364.52
Month 181	MXN 3,533.92	MXN 2,121.43	MXN 1,412.49	MXN 163,243.09
Month 182	MXN 3,533.92	MXN 2,139.55	MXN 1,394.37	MXN 161,103.54
Month 183	MXN 3,533.92	MXN 2,157.83	MXN 1,376.09	MXN 158,945.71
Month 184	MXN 3,533.92	MXN 2,176.26	MXN 1,357.66	MXN 156,769.45
Month 185	MXN 3,533.92	MXN 2,194.85	MXN 1,339.07	MXN 154,574.60
Month 186	MXN 3,533.92	MXN 2,213.60	MXN 1,320.32	MXN 152,361.00
Month 187	MXN 3,533.92	MXN 2,232.50	MXN 1,301.42	MXN 150,128.50
Month 188	MXN 3,533.92	MXN 2,251.57	MXN 1,282.35	MXN 147,876.93
Month 189	MXN 3,533.92	MXN 2,270.80	MXN 1,263.12	MXN 145,606.13
Month 190	MXN 3,533.92	MXN 2,290.20	MXN 1,243.72	MXN 143,315.93
Month 191	MXN 3,533.92	MXN 2,309.76	MXN 1,224.16	MXN 141,006.17
Month 192	MXN 3,533.92	MXN 2,329.49	MXN 1,204.43	MXN 138,676.68
Month 193	MXN 3,533.92	MXN 2,349.39	MXN 1,184.53	MXN 136,327.29
Month 194	MXN 3,533.92	MXN 2,369.46	MXN 1,164.46	MXN 133,957.83
Month 195	MXN 3,533.92	MXN 2,389.70	MXN 1,144.22	MXN 131,568.13
Month 196	MXN 3,533.92	MXN 2,410.11	MXN 1,123.81	MXN 129,158.02
Month 197	MXN 3,533.92	MXN 2,430.70	MXN 1,103.22	MXN 126,727.32
Month 198	MXN 3,533.92	MXN 2,451.46	MXN 1,082.46	MXN 124,275.86
Month 199	MXN 3,533.92	MXN 2,472.40	MXN 1,061.52	MXN 121,803.46
Month 200	MXN 3,533.92	MXN 2,493.52	MXN 1,040.40	MXN 119,309.94
Month 201	MXN 3,533.92	MXN 2,514.81	MXN 1,019.11	MXN 116,795.13
Month 202	MXN 3,533.92	MXN 2,536.29	MXN 997.63	MXN 114,258.84
Month 203	MXN 3,533.92	MXN 2,557.96	MXN 975.96	MXN 111,700.88
Month 204	MXN 3,533.92	MXN 2,579.81	MXN 954.11	MXN 109,121.07
Month 205	MXN 3,533.92	MXN 2,601.84	MXN 932.08	MXN 106,519.23
Month 206	MXN 3,533.92	MXN 2,624.07	MXN 909.85	MXN 103,895.16
Month 207	MXN 3,533.92	MXN 2,646.48	MXN 887.44	MXN 101,248.68
Month 208	MXN 3,533.92	MXN 2,669.09	MXN 864.83	MXN 98,579.59
Month 209	MXN 3,533.92	MXN 2,691.89	MXN 842.03	MXN 95,887.70
Month 210	MXN 3,533.92	MXN 2,714.88	MXN 819.04	MXN 93,172.82
Month 211	MXN 3,533.92	MXN 2,738.07	MXN 795.85	MXN 90,434.75
Month 212	MXN 3,533.92	MXN 2,761.46	MXN 772.46	MXN 87,673.29
Month 213	MXN 3,533.92	MXN 2,785.04	MXN 748.88	MXN 84,888.25
Month 214	MXN 3,533.92	MXN 2,808.83	MXN 725.09	MXN 82,079.42
Month 215	MXN 3,533.92	MXN 2,832.82	MXN 701.10	MXN 79,246.60
Month 216	MXN 3,533.92	MXN 2,857.02	MXN 676.90	MXN 76,389.58
Month 217	MXN 3,533.92	MXN 2,881.43	MXN 652.49	MXN 73,508.15
Month 218	MXN 3,533.92	MXN 2,906.04	MXN 627.88	MXN 70,602.11
Month 219	MXN 3,533.92	MXN 2,930.86	MXN 603.06	MXN 67,671.25
Month 220	MXN 3,533.92	MXN 2,955.89	MXN 578.03	MXN 64,715.36
Month 221	MXN 3,533.92	MXN 2,981.14	MXN 552.78	MXN 61,734.22
Month 222	MXN 3,533.92	MXN 3,006.61	MXN 527.31	MXN 58,727.61
Month 223	MXN 3,533.92	MXN 3,032.29	MXN 501.63	MXN 55,695.32
Month 224	MXN 3,533.92	MXN 3,058.19	MXN 475.73	MXN 52,637.13
Month 225	MXN 3,533.92	MXN 3,084.31	MXN 449.61	MXN 49,552.82
Month 226	MXN 3,533.92	MXN 3,110.66	MXN 423.26	MXN 46,442.16
Month 227	MXN 3,533.92	MXN 3,137.23	MXN 396.69	MXN 43,304.93
Month 228	MXN 3,533.92	MXN 3,164.02	MXN 369.90	MXN 40,140.91
Month 229	MXN 3,533.92	MXN 3,191.05	MXN 342.87	MXN 36,949.86
Month 230	MXN 3,533.92	MXN 3,218.31	MXN 315.61	MXN 33,731.55
Month 231	MXN 3,533.92	MXN 3,245.80	MXN 288.12	MXN 30,485.75
Month 232	MXN 3,533.92	MXN 3,273.52	MXN 260.40	MXN 27,212.23
Month 233	MXN 3,533.92	MXN 3,301.48	MXN 232.44	MXN 23,910.75
Month 234	MXN 3,533.92	MXN 3,329.68	MXN 204.24	MXN 20,581.07
Month 235	MXN 3,533.92	MXN 3,358.12	MXN 175.80	MXN 17,222.95
Month 236	MXN 3,533.92	MXN 3,386.81	MXN 147.11	MXN 13,836.14
Month 237	MXN 3,533.92	MXN 3,415.74	MXN 118.18	MXN 10,420.40
Month 238	MXN 3,533.92	MXN 3,444.91	MXN 89.01	MXN 6,975.49
Month 239	MXN 3,533.92	MXN 3,474.34	MXN 59.58	MXN 3,501.15
Month 240	MXN 3,531.06	MXN 3,501.15	MXN 29.91	MXN 0.00

15-Year vs. 30-Year Loan Comparison

Principal and interest comparison showing long-term interest savings

Loan Term	Monthly P&I	Total Interest Paid	Total Interest Saved
180 Months (15 Years)	MXN 3,923.82	MXN 346,289.06	Save MXN 455,067.79
360 Months (30 Years)	MXN 3,225.96	MXN 801,356.85	Baseline

Mortgage estimate

A mortgage payment depends on the loan amount, interest rate and term. Depending on the property and location, taxes, insurance, mortgage insurance, association charges and fees may also affect the overall cost. Add the costs that apply to your situation to compare scenarios.

This calculator provides an estimate from the values entered and the selected country assumptions. It does not assess a complete mortgage application or replace a lender's offer. Inputs are sent over HTTPS for calculation and are not saved to an account or calculation database.

Who Benefits Most

First-time homebuyers benefit from seeing their true total monthly housing commitment—encompassing principal, interest, tax escrows, hazard insurance, and private mortgage insurance—before making an offer on a home. Existing homeowners evaluating a refinance can accurately test whether monthly interest savings offset appraisal, origination, and title fees to establish their true breakeven date. International expatriates, cross-border professionals, and relocating families can contrast borrowing limits, mandatory deposit thresholds, and repayment mechanics across different legal jurisdictions without switching software or deciphering unfamiliar terminology.

Country-specific details

The calculators cover country-specific details such as US PMI rules, Australian Lenders Mortgage Insurance (LMI), Canadian mortgage default insurance, and German annuity structures (Annuitätendarlehen with Tilgung and Zinsbindung). Inputs are sent to our application over HTTPS to calculate results, but are not saved to an account or calculation database. Shareable links may include the values you entered.

A Practical Walk-Through of Our Financial Tool Suites

Making sound property and borrowing decisions requires looking beyond an isolated loan payment. Our platform arranges complementary financial tools into three specialized suites, allowing you to examine every dimension of your personal balance sheet.

1. Housing and Mortgage Suite

The Home Affordability Calculator estimates a price from income, debts and country assumptions. The Mortgage Calculator estimates payments from the loan amount, rate, term and costs you enter. You can also compare extra payments, refinancing costs, or rent and buy scenarios using your own assumptions.

2. Income, Tax, and Budgeting Suite

The Salary Calculator estimates take-home pay using the selected country and the details entered. The Budget Calculator helps organize income and expenses. Both can help you explore a budget, but neither decides whether a lender will approve an application.

3. Debt Elimination and Wealth Accumulation Suite

The Debt Consolidation and Loan Calculators compare payments and interest using the values you provide. The Compound Interest Calculator illustrates how contributions and assumed returns affect a future balance; returns are not guaranteed.

How to Use This Mortgage Calculator

Begin by entering your agreed Home Price, which represents the gross purchase valuation stated on your real estate purchase agreement. Next, enter your cash Down Payment (or deposit). The calculator subtracts this down payment from the property price to determine your net base loan principal, displaying your Loan-to-Value (LTV) percentage immediately. If your down payment is below conventional thresholds (such as 20% in the United States, Australia, or Canada), the system automatically incorporates statutory mortgage default insurance into your monthly projections.

Enter the annual interest rate and loan term from the offer you want to assess. A shorter term usually has higher regular payments and may reduce interest over the life of the loan. Add estimates for property taxes, insurance, mortgage insurance and HOA dues to see their effect on monthly housing costs.

Calculation Methodology & Statutory Standards

For a fixed-rate loan with regular monthly payments, the principal and interest estimate uses the standard amortization equation:

M = P × [ r(1 + r)ⁿ ] / [ (1 + r)ⁿ − 1 ]

In this formula, M is the monthly principal and interest payment, P is the loan principal, r is the monthly interest rate, and n is the number of monthly payments.

Each payment first covers interest on the outstanding balance; the remainder reduces principal. Taxes, insurance and other costs are shown from the values entered and country assumptions. Actual lender calculations, insurance rules and escrow amounts may differ; confirm them with your lender and relevant authority.

Frequently Asked Questions About Mortgage Financing

What is the practical difference between a mortgage interest rate and the APR?

The interest rate is the baseline annual cost of borrowing expressed as a percentage of your outstanding principal balance. The Annual Percentage Rate (APR) reflects the broader cost of financing, bundling the base interest rate together with origination points, discount points, processing fees, underwriting charges, and essential settlement expenses. Under Regulation Z of the Truth in Lending Act enforced by the Consumer Financial Protection Bureau (CFPB), lenders must disclose the APR so borrowers can make an apples-to-apples comparison across competing mortgage offers that feature differing upfront fee structures.

When and how can Private Mortgage Insurance (PMI) be cancelled?

Under the federal Homeowners Protection Act of 1998, you have the legal right to submit a written request to cancel PMI once your regular payments bring the principal loan balance down to 80% of the property's original value, provided your payment history is satisfactory. In addition, mortgage loan servicers are required by law to cancel PMI automatically once your amortization schedule reaches 78% of the original value, without requiring borrower intervention. Loans backed by the Federal Housing Administration (FHA) follow different statutory rules: borrowers who put down less than 10% must maintain Mortgage Insurance Premiums (MIP) for the entire duration of the loan.

How do additional principal curtailments reduce total loan cost and payoff duration?

Because mortgage interest is calculated monthly against the remaining principal balance, applying extra funds directly toward the principal lowers every subsequent monthly interest charge. For example, adding an extra $200 each month to a $400,000 30-year fixed loan at 6.75% eliminates more than five years of scheduled payments and prevents over $85,000 in interest charges from accruing. Conforming residential mortgages carry no statutory prepayment penalties, meaning borrowers can pay down principal at any cadence without penalty.

How does a fixed-rate mortgage compare against an adjustable-rate mortgage (ARM)?

A fixed-rate mortgage guarantees that your principal and interest payment remains identical over the entire loan life, shielding household budgets from macroeconomic rate volatility. An adjustable-rate mortgage (ARM) or tracker loan provides an initial discounted interest rate for a fixed period (such as 3, 5, or 7 years), after which the rate adjusts periodically according to a benchmark index (such as SOFR in the United States or the Bank of England base rate in the United Kingdom) plus a lender margin. Borrowers who plan to relocate or refinance before the initial fixed period expires can save significant interest with an ARM, but they accept the risk of higher future payments if benchmark rates rise.

Explore Related Financial Planning Calculators

Affordability Calculator →

Use this tool before touring properties to calculate your maximum purchase ceiling based on your gross household income, recurring personal debt obligations, and statutory debt-to-income (DTI) caps.

Extra Payment Calculator →

Use this tool to estimate how recurring or one-off extra payments could affect payoff time and total interest.

Refinance Calculator →

Use this tool when market interest rates decline to compute your financial break-even point by comparing ongoing payment reductions against upfront loan origination and closing settlement fees.

Mexico Mortgage Standards & Regulatory Limits

Mortgage underwriting in Mexico follows domestic statutory frameworks governing maximum loan-to-value (LTV) limits, minimum cash deposits, and mandatory interest rate stress tests. This calculator automatically incorporates Mexico standards into its assumptions so that your results reflect realistic underwriting requirements rather than generic estimates.

Infonavit and bank mortgages; peso and dual-rate products exist.

Mexico home affordability calculator → Test extra mortgage payments → Mortgage refinance calculator → Compare renting and buying in Mexico → Estimate your total home-buying budget → Check Mexico net take-home salary → Explore country mortgage guides →

⚙️

Calculation Methodology & Proof

Mortgage (PITI + schedule)

The loan is amortized as above. Housing cost adds tax, insurance, HOA, and PMI. UK-style splits keep an interest-only balloon.

PITI = M + tax/12 + insurance/12 + HOA + PMI. IO payment = IO balance × r. Balloon = IO balance at term.

Loan amount = price − down payment. LTV = loan / price.
If an interest-only amount is set, only the remainder amortizes.
PMI (when enabled) is charged while scheduled LTV is above the threshold (default 80%).
Total cost sums interest, fees, and the recurring housing add-ons over the payoff period.

Important Caveats & Planning Assumptions

Tax and insurance are estimates; escrow analysis will differ.
PMI cancellation rules vary by product and country.

Read complete methodology documentation →

Frequently Asked Questions

Expert answers to common questions

What is included in the monthly total?

Principal and interest, plus estimated property tax, home insurance, HOA, and PMI when LTV is above the threshold. That PITI figure is what lenders use for affordability.

When does PMI drop off?

This calculator removes PMI once the scheduled balance reaches 80% of the original purchase price. Servicers may also need an appraisal; rules vary by country and loan type.

How does a UK split mortgage work here?

Set an interest-only amount. That slice is charged interest only and remains as a balloon; the rest amortizes over the term.

Total Monthly (PITI)

MXN 3,533.92

Breakdown ↓ Schedule

📋 Official Guide · 2026

Reviewed 2026-09-11 · Rarely. Due to high competition, almost all modern Mexican mortgages allow partial or full early repayment (Pagos anticipados) with zero penalties, applied directly to the principal to reduce the term or the monthly payment.

Mexico Mortgage Guide 2026: INFONAVIT, FOVISSSTE, and Bank Loans

The Mexican mortgage market (Crédito Hipotecario) is a dual system: a massive state-run fund (INFONAVIT) for private-sector workers, and traditional commercial bank loans. Historically plagued by high inflation and variable rates (UDIs), the market has modernized entirely; over 95% of new Mexican mortgages in 2026 are issued in Pesos (MXN) with fixed interest rates.

How Much Can You Borrow in Mexico? ▼

Borrowing in Mexico is heavily dictated by your formal employment status and your Debt-to-Income ratio.

Loan-to-Value (LTV) Limits

Commercial Banks	Maximum 90% LTV for Mexican citizens and residents. You need a 10% down payment (Enganche) from your savings.

Cofinavit (Co-financing): By combining an INFONAVIT loan with a bank loan, buyers can often achieve 100% financing, using their accrued Subcuenta de Vivienda as the down payment.

Foreigners: Non-residents or foreigners without temporary/permanent residency typically face 60% to 70% LTV limits and higher rates, and must purchase via a Fideicomiso (Bank Trust) if in the restricted coastal/border zones.

Debt-to-Income (DTI) Limit (Capacidad de Pago)

Mexican banks strictly cap your total monthly debt repayments (mortgage, credit cards, auto loans) at 30% to 40% of your gross monthly income.

Use the affordability calculator to determine your maximum mortgage based on the strict 40% DTI limit.

Mexican Mortgage Types ▼

Fixed Rate in Pesos (Tasa Fija en Pesos)	The gold standard. The rate and the monthly payment are locked in MXN for the entire 15 to 20-year term.
Variable Rate / Mixed Rate	Exists but is unpopular due to inflation fears.

INFONAVIT Traditional: For formal workers. The rate is fixed (varying from 1.0% to 10.45% depending on your salary level). A key benefit is that your employer's mandatory 5% bimonthly housing contribution goes directly toward paying down your principal, accelerating the payoff.

Current Mexican Mortgage Rates (2026) ▼

Following Banxico's inflation-targeting measures, 2026 commercial bank rates remain relatively high compared to the US or Europe:

Bank Fixed Rate (15-20 years)	9.50% to 11.50%
INFONAVIT Rate	1.00% to 10.45% (strictly salary-dependent)

*Rates are illustrative averages as of September 2026. Look at the CAT (Costo Anual Total) to compare true APRs including all bank fees and mandatory insurances.*

Closing Costs and Taxes ▼

Closing costs in Mexico are notoriously high, largely due to the ISAI tax and notary fees.

ISAI (Impuesto Sobre Adquisición de Inmuebles): Also known as ISABI. This property acquisition tax ranges drastically by state, from 2.0% to 4.5% of the property value. (e.g., Mexico City is heavily tiered, often reaching 4.5%).

Notary Fees (Honorarios Notariales): The Notario Público is a highly powerful state-appointed official in Mexico. Fees range from 1.0% to 2.0% of the property value.

Bank Origination Fee (Comisión por Apertura)	Typically 1.0% of the loan amount (though frequently waived during bank promotional periods).

Total Cash Needed: Budget exactly 6% to 8% of the property price for closing costs (Gastos Notariales), in addition to your 10% Enganche. Use the budget calculator for a complete estimate.

The Mexican Mortgage Process ▼

1. Check your INFONAVIT Points. You need 1080 points to qualify for an INFONAVIT loan. Check your Subcuenta balance online.

2. Pre-Approval (Autorización de Crédito). The bank checks your Buró de Crédito (credit score) and income.

3. Sign the Promissory Contract (Contrato de Promesa de Compraventa). You pay a 5% to 10% deposit directly to the seller. Ensure a penalty-free exit clause if the bank denies the loan.

4. Avalúo (Appraisal). The bank's appraiser values the property. The Notary also uses this to calculate taxes.

5. Notary Review. The Notario reviews the title (Libertad de Gravamen), ensures no unpaid water/property taxes (Predial), and drafts the deed.

6. Firma de Escrituras. You sign the deed at the Notary. The bank wires the funds via SPEI to the seller.

What is a Fideicomiso? ▼

Under the Mexican Constitution, foreigners cannot directly own residential land within 50km of the coast or 100km of the border (the Restricted Zone). Instead, you buy the property through a Fideicomiso (Bank Trust) valid for 50 years (renewable). You have all rights of ownership (to sell, rent, inherit), but the bank holds the legal title. Setup costs ~$2,000 USD, plus a ~$500 USD annual fee.

Are there early repayment penalties in Mexico? ▼

No. In modern Mexican mortgage contracts (governed under CONDUSEF statutory protections), commercial banks and INFONAVIT permit partial and full advance principal amortizations (adelanto a capital) with zero penalties or administrative surcharges. Borrowers can choose whether surplus capital prepayments reduce their remaining loan duration or lower subsequent monthly payments.

Official Sources & References

Comisión Nacional Bancaria y de Valores (CNBV) Banco de México (Banxico) INFONAVIT (Instituto del Fondo Nacional de la Vivienda para los Trabajadores)

Monthly Payment Breakdown

🗄️ Saved Comparison Scenarios (Side-by-Side)

⚡ Embed Calculator on Your Website

Amortization Schedule

15-Year vs. 30-Year Loan Comparison

Mortgage estimate

Who Benefits Most

Country-specific details

A Practical Walk-Through of Our Financial Tool Suites

1. Housing and Mortgage Suite

2. Income, Tax, and Budgeting Suite

3. Debt Elimination and Wealth Accumulation Suite

How to Use This Mortgage Calculator

Calculation Methodology & Statutory Standards

Frequently Asked Questions About Mortgage Financing

What is the practical difference between a mortgage interest rate and the APR?

When and how can Private Mortgage Insurance (PMI) be cancelled?

How do additional principal curtailments reduce total loan cost and payoff duration?

How does a fixed-rate mortgage compare against an adjustable-rate mortgage (ARM)?

Explore Related Financial Planning Calculators

Affordability Calculator →

Extra Payment Calculator →

Refinance Calculator →

Mexico Mortgage Standards & Regulatory Limits

Mortgage (PITI + schedule)

Important Caveats & Planning Assumptions

Expert answers to common questions

Mexico Mortgage Guide 2026: INFONAVIT, FOVISSSTE, and Bank Loans