Signature tool · The one no other lender has

What does a U.S. mortgage cost in your currency?

In short: you borrow in U.S. dollars but live in Singapore dollars, pounds, yen or euros — so the exchange rate quietly decides what your mortgage really costs. Enter your loan, your rate and today's FX rate, and this calculator shows your monthly payment and total repayment in your own currency, stress-tested for ±10% and ±20% currency moves, a long-run drift scenario, and the break-even FX move where currency gains would offset all your interest.

Reviewed by America Mortgages Closing DeskLast updated 6 July 2026

Your USD loan & home currency

Loan amount (USD)

Interest rate

% / yr

Indicative — your quoted rate may differ. We never pre-fill a rate.

Term

years

Your home currency

3-letter code — SGD, GBP, AUD, HKD, JPY, EUR…

FX rate (home units per 1 USD)

Check the current rate at your bank or FX provider — we never fetch or quote live rates.

FX drift scenario (optional)

% / yr

What if USD strengthens (+) or weakens (−) each year vs your currency.

Enter loan, rate, currency and FX rate

Your monthly payment in your own currency — plus ±10%/±20% currency scenarios and the break-even FX move — appears instantly. Nothing leaves your browser.

How this calculator works

Home payment = M × fx, where M = P·r(1+r)ⁿ/((1+r)ⁿ−1)

First we compute the standard USD amortizing payment M from your loan amount P, monthly rate r (annual % ÷ 12 ÷ 100) and n months. Then every USD figure is converted at your entered exchange rate fx, expressed as home-currency units per 1 USD — so a positive scenario move means your currency has weakened (each dollar costs more of it) and a negative move means it has strengthened. Total repayment uses the level-payment approximation M × n.

The scenario table simply re-prices the same USD payment at fx × (1 ± 10%) and (1 ± 20%). The drift projection compounds a steady annual trend monthly — fx(m) = fx × (1 + d)^m/12— and sums all n payments at their drifted rates. The break-even FX move is P/(M×n) − 1: the USD depreciation at which your total home-currency outlay equals today's value of the principal, i.e. the currency gain that fully offsets the interest. No live FX data is used anywhere — every rate on this page is one you typed.

Worked example

A Singapore-based buyer borrows US$200,000 over 30 years at a user-entered 6% rate, and enters today's exchange rate as 1.35 SGD per USD.

Example inputs

Loan amount: US$200,000
Rate (user-entered): 6.00% / yr
Term: 30 years
Home currency: SGD
FX rate (user-entered): 1.3500 SGD / USD

Computed results

Monthly payment (USD): $1,199.10
Monthly payment (SGD): SGD 1,618.79
Total repayment (USD): $431,676.00
Total repayment (SGD, entry rate): SGD 582,762.60
Break-even FX move: -53.67% (rate 0.6255)

The USD payment is $1,199.10 a month, which converts to SGD 1,618.79 at 1.35. Over 30 years the borrower repays $431,676.00 — SGD 582,762.60 if the rate never moved. If the SGD weakened 10% (rate 1.485), the same payment would cost about SGD 1,780.66 a month; and the USD would need to fall 53.67% against the SGD over the term for currency gains to offset all the interest.

Example figures are fixed sample numbers computed by the same engine that powers the calculator above — illustrative only, not a quote.

Who this is for

Built for people who earn in one currency and borrow in another

No major U.S. lender publishes a tool like this — because no other lender works exclusively with overseas borrowers.

Foreign nationals buying U.S. property

You'll fund the down payment and possibly the payments from SGD, GBP, AUD, HKD, EUR or another home currency. See the real cost before you wire anything.

U.S. expats paid in local currency

Your salary is in yen or euros but the mortgage on your U.S. home is in dollars. Model what a strong or weak dollar does to your month.

Investors weighing natural hedges

USD rent servicing a USD loan is the classic hedge. Quantify how much FX exposure the rental income actually removes.

FAQ

Currency & U.S. mortgage questions

Why does currency risk matter on a U.S. mortgage?

Your loan, payment and property value are all in U.S. dollars, but your income and savings are probably not. If your home currency weakens 10% against the dollar, your monthly payment effectively rises 10% in the money you actually earn — without your rate changing at all. Over a 30-year term, currency moves routinely dwarf the difference between two competing rate quotes. This tool makes that visible before you commit.

Where do I get the FX rate to enter?

Check the current rate at your bank, broker or FX provider and type it in as home-currency units per 1 USD (for example 1.35 for SGD, 0.79 for GBP). We deliberately never fetch or display a live rate: the number you'd actually convert at depends on your provider's spread, and a lender quoting FX rates would be implying a guarantee no one can give.

What does the break-even FX move mean?

It's the percentage the U.S. dollar would need to depreciate against your currency — spread over the life of the loan — for your total home-currency repayment to equal what the principal is worth today. In other words, the currency gain that would fully offset the interest. It's a framing device for dollar-earners' upside and weak-currency risk, not a prediction.

How realistic are the ±10% and ±20% scenarios?

Very. Major currency pairs regularly move 10–20% against the dollar inside a few years — GBP/USD moved over 20% around 2016, JPY/USD over 30% during 2021–2024. The scenario rows hold your loan constant and move only the exchange rate, so you can see your payment and total cost in each world side by side.

What does the annual drift projection do?

Instead of a one-off shock, drift compounds a steady annual FX trend across every monthly payment — for example, 'what if my currency weakens 2% a year for 30 years?' It compounds monthly at (1 + drift)^(m/12), which is a smooth illustrative path, not a forecast.

Can I reduce my currency risk on a U.S. mortgage?

Common approaches include keeping a USD account funded ahead of payments, converting larger sums when the rate is favorable, matching the property's USD rental income to the USD payment (natural hedging — the reason many overseas investors prefer rentals), and forward contracts through an FX provider. Which fits depends on your situation — our specialists talk through this daily; we don't sell FX products.

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Important information

Illustrative and educational only. Results are indicative estimates, not a quote, an offer of credit, or a commitment to lend.
Exchange rates are user-entered and illustrative only — not live, not guaranteed, and not a currency quote. Actual conversion costs depend on your bank or FX provider.

America Mortgages, Inc. — NMLS 2810389 (America Mortgages Nationwide). Methodology last reviewed 6 July 2026. This tool never quotes a rate: every interest and FX rate is entered by you, and every output is an indicative estimate, not an offer or commitment to lend.