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Calculateur de Prêt Immobilier.

Calculez les mensualités d'un prêt immobilier avec taxes et assurance

Cette calculatrice n'est pas encore entièrement traduite ; une partie du texte s'affiche en anglais.

Calcul sur l'appareilSans inscription
01

Saisissez vos valeurs

Les résultats se mettent à jour pendant la saisie.

Mensualité Totale: 2 986,61 $US

Mensualité Totale

Estimated Monthly Outflow
2 986,61 $US
Includes P&I ($2528), taxes ($333), insurance ($125), HOA ($0), and PMI ($0).
Capital et Intérêts: 2 528,27 $US

Capital et Intérêts

2 528,27 $US
Taxe Foncière / mois: 333,33 $US

Taxe Foncière / mois

333,33 $US
Assurance / mois: 125,00 $US

Assurance / mois

125,00 $US
Charges de Copropriété / mois: 0,00 $US

Charges de Copropriété / mois

0,00 $US
PMI / mois: 0,00 $US

PMI / mois

0,00 $US
Total des Intérêts Payés: 510 177,95 $US

Total des Intérêts Payés

510 177,95 $US
Method and source note
Maintained by Financial Content LeadSource check 2026-07-22
Primary Source: CFPB Mortgage Amortization & Truth in Lending Standards (US / International)

Important limitation: Estimates do not constitute a formal loan offer or rate lock. Actual taxes, insurance, and lender fees vary by location and credit profile.

Tableau d'Amortissement (Capital et Intérêts)

MoisPaiementCapitalIntérêtsSolde
12 528,27 $US361,61 $US2 166,67 $US399 638,39 $US
22 528,27 $US363,56 $US2 164,71 $US399 274,83 $US
32 528,27 $US365,53 $US2 162,74 $US398 909,30 $US
42 528,27 $US367,51 $US2 160,76 $US398 541,78 $US
52 528,27 $US369,50 $US2 158,77 $US398 172,28 $US
62 528,27 $US371,51 $US2 156,77 $US397 800,77 $US
72 528,27 $US373,52 $US2 154,75 $US397 427,26 $US
82 528,27 $US375,54 $US2 152,73 $US397 051,71 $US
92 528,27 $US377,58 $US2 150,70 $US396 674,14 $US
102 528,27 $US379,62 $US2 148,65 $US396 294,52 $US
112 528,27 $US381,68 $US2 146,60 $US395 912,84 $US
122 528,27 $US383,74 $US2 144,53 $US395 529,10 $US
132 528,27 $US385,82 $US2 142,45 $US395 143,28 $US
142 528,27 $US387,91 $US2 140,36 $US394 755,36 $US
152 528,27 $US390,01 $US2 138,26 $US394 365,35 $US
162 528,27 $US392,13 $US2 136,15 $US393 973,22 $US
172 528,27 $US394,25 $US2 134,02 $US393 578,97 $US
182 528,27 $US396,39 $US2 131,89 $US393 182,59 $US
192 528,27 $US398,53 $US2 129,74 $US392 784,05 $US
202 528,27 $US400,69 $US2 127,58 $US392 383,36 $US
212 528,27 $US402,86 $US2 125,41 $US391 980,50 $US
222 528,27 $US405,04 $US2 123,23 $US391 575,45 $US
232 528,27 $US407,24 $US2 121,03 $US391 168,22 $US
242 528,27 $US409,44 $US2 118,83 $US390 758,77 $US
Authoritative Source & Methodology
Reviewed: 2026-07-22

Source: CFPB Mortgage Amortization & Truth in Lending Standards (US / International)

Reviewer: Mathify content team

Notice: Estimates do not constitute a loan offer or guarantee of interest rates, PMI, or escrow fees.

Cite this calculator

Canonical URL: https://mathify.one/fr/finance/mortgage

Cite as: Mathify. (2026). Calculateur de Prêt Immobilier. https://mathify.one/fr/finance/mortgage

Use Cases

Budgeting for a Home Purchase

Determine if a home fits your budget by estimating the total monthly payment, including taxes and insurance, before you make an offer.

Example: Input a $300,000 loan at 6% for 30 years with $3,600 annual taxes and $1,200 insurance to see your monthly payment.

Comparing Loan Scenarios

Adjust loan amount, interest rate, or term to compare different mortgage options and see how they affect your monthly payment.

Example: Compare a 15-year vs. 30-year term to see the trade-off between lower monthly payments and total interest paid.

Frequently Asked Questions

What does this mortgage calculator do?
This calculator estimates your monthly home loan payment by factoring in the loan amount, interest rate, loan term, property taxes, and homeowners insurance. It provides a comprehensive view of your potential monthly housing costs.
How are taxes and insurance included in the calculation?
The calculator adds your annual property taxes and homeowners insurance premiums to your monthly payment. These amounts are typically escrowed by your lender and paid on your behalf, so including them gives a more accurate total monthly cost.
Is this calculator a substitute for professional financial advice?
No, this tool is for estimation purposes only. It can include HOA fees and PMI, but may not account for every factor, such as variable interest rates. Consult a mortgage professional for personalized advice.

Tips & Common Mistakes

Tips

  • Enter your best estimate for property taxes and insurance to get a more accurate monthly payment.
  • Remember that your monthly payment may also include PMI if your down payment is less than 20%.
  • Use this calculator to see how a higher down payment reduces your monthly payment and total interest.
  • Check current interest rates to input a realistic rate for your area.

Common Mistakes to Avoid

  • Forgetting to include property taxes and insurance, which can significantly increase your monthly payment.
  • Using an interest rate that is too low or too high, leading to an inaccurate estimate.
  • Not considering that taxes and insurance can change over time, affecting your future payments.

Last updated: August 13, 2026