ITIN Loan
ITIN Mortgage Calculator
ITIN mortgages help borrowers without a Social Security Number purchase a home using an Individual Taxpayer Identification Number. These Non-QM loans require a larger down payment but carry no private mortgage insurance.
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LTV: 80.000% — most ITIN programs require ≥20% down
ITIN rates are typically higher than conventional
Estimated monthly payment
$2,720.82
$2,237.49 P&I — no PMI
Loan amount
$320,000.00
LTV 80.000%
Principal & interest
$2,237.49
Tax + insurance
$483.33
Monthly PMI
$0.00
Not required on ITIN loans
Yearly Amortization Preview
| Year | Interest | Principal | Balance |
|---|---|---|---|
| 1 | $23,899.97 | $2,949.87 | $317,050.13 |
| 2 | $23,670.96 | $3,178.88 | $313,871.25 |
| 3 | $23,424.18 | $3,425.66 | $310,445.59 |
| 4 | $23,158.23 | $3,691.60 | $306,753.99 |
| 5 | $22,871.64 | $3,978.19 | $302,775.80 |
| 6 | $22,562.81 | $4,287.03 | $298,488.77 |
| 7 | $22,229.99 | $4,619.84 | $293,868.92 |
| 8 | $21,871.34 | $4,978.49 | $288,890.43 |
| 9 | $21,484.85 | $5,364.99 | $283,525.44 |
| 10 | $21,068.35 | $5,781.48 | $277,743.96 |
| 11 | $20,619.52 | $6,230.32 | $271,513.64 |
| 12 | $20,135.85 | $6,713.99 | $264,799.65 |
| 13 | $19,614.62 | $7,235.22 | $257,564.43 |
| 14 | $19,052.93 | $7,796.91 | $249,767.53 |
| 15 | $18,447.64 | $8,402.20 | $241,365.33 |
| 16 | $17,795.35 | $9,054.48 | $232,310.84 |
| 17 | $17,092.43 | $9,757.41 | $222,553.44 |
| 18 | $16,334.94 | $10,514.90 | $212,038.54 |
| 19 | $15,518.64 | $11,331.20 | $200,707.34 |
| 20 | $14,638.97 | $12,210.87 | $188,496.47 |
| 21 | $13,691.01 | $13,158.83 | $175,337.64 |
| 22 | $12,669.45 | $14,180.39 | $161,157.25 |
| 23 | $11,568.59 | $15,281.25 | $145,876.01 |
| 24 | $10,382.27 | $16,467.57 | $129,408.44 |
| 25 | $9,103.85 | $17,745.99 | $111,662.45 |
| 26 | $7,726.18 | $19,123.66 | $92,538.79 |
| 27 | $6,241.56 | $20,608.27 | $71,930.52 |
| 28 | $4,641.69 | $22,208.15 | $49,722.37 |
| 29 | $2,917.61 | $23,932.22 | $25,790.15 |
| 30 | $1,059.69 | $25,790.15 | $0.00 |
How this is calculated
- ITIN loans are Non-QM programs and do not require a Social Security Number or traditional FICO score.
- Down payments generally start at 20% or more of the purchase price.
- No private mortgage insurance (PMI) is charged, regardless of down payment.
- Income is verified through tax returns and bank statements, with alternative credit references.
- Monthly payment = principal + interest + tax + insurance + HOA.
Important disclaimer
The figures produced by this calculator are estimates provided for informational and educational purposes only. They are not a commitment to lend, a loan estimate, or a guarantee of any terms, rate, or approval.
Actual costs depend on many factors the tool cannot fully account for, including your specific loan program, the property's location and type, your credit profile, debt-to-income ratio, income documentation, current market interest rates, mortgage insurance requirements, taxes, and insurance premiums.
Interest rates, fees, and program guidelines change frequently. For an accurate quote tailored to your situation, connect with a One Eleven Mortgage loan officer who can review your complete financial picture and provide live, personalized numbers.
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