<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"
        xmlns:xhtml="http://www.w3.org/1999/xhtml"
        xmlns:video="http://www.google.com/schemas/sitemap-video/1.1"
        xmlns:image="http://www.google.com/schemas/sitemap-image/1.1">
    
    <url>
        <loc>https://www.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/introduction-to-mortgage-loans</loc>
        
        <xhtml:link rel="alternate" hreflang="bg"
                    href="https://bg.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/introduction-to-mortgage-loans" />
        
        <xhtml:link rel="alternate" hreflang="en"
                    href="https://www.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/introduction-to-mortgage-loans" />
        
        <xhtml:link rel="alternate" hreflang="es"
                    href="https://es.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/introduction-to-mortgage-loans" />
        
        <xhtml:link rel="alternate" hreflang="fr"
                    href="https://fr.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/introduction-to-mortgage-loans" />
        
        <xhtml:link rel="alternate" hreflang="ka"
                    href="https://ka.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/introduction-to-mortgage-loans" />
        
        <xhtml:link rel="alternate" hreflang="tr"
                    href="https://tr.khanacademy.org/economics-finance-domain/core-finance/housing/mortgages-tutorial/v/introduction-to-mortgage-loans" />
        
        <lastmod>2026-07-05T09:10:42.625975071Z</lastmod>
        
        <PageMap xmlns="http://www.google.com/schemas/sitemap-pagemap/1.0">
            <DataObject type="document" id="introduction-to-mortgage-loans">
            <Attribute name="title">Introduction to mortgage loans</Attribute>
            <Attribute name="description">Learn how mortgages work, how to use a mortgage calculator, and how to use a spreadsheet to show the payoff of a mortgage over time and the interest paid each year. Click here to download the spreadsheet from the video.</Attribute>
            <Attribute name="author">Sal Khan</Attribute>
            <Attribute name="type">video</Attribute>
            
            </DataObject>
        </PageMap>
        
        <video:video>
            <video:thumbnail_loc>https://cdn.kastatic.org/googleusercontent/9B6VyV3HJxSADowyWAql5sbDMgmRjaMBngrBZxZrV5y3VBurj3B8bwR_xX9OHYLUvn8pPnUQig0Q5kEU7xHnYjw</video:thumbnail_loc>
            <video:title>Introduction to mortgage loans</video:title>
            <video:description>Learn how mortgages work, how to use a mortgage calculator, and how to use a spreadsheet to show the payoff of a mortgage over time and the interest paid each year. Click here to download the spreadsheet from the video.</video:description>
            <video:player_loc>https://cdn.kastatic.org/ka-youtube-converted/y-1Gh4ewklY.mp4/y-1Gh4ewklY.mp4</video:player_loc>
            <video:duration>1098</video:duration>
            <video:category>Mortgages</video:category>
        </video:video>
        
    </url>
    
    <url>
        <loc>https://www.khanacademy.org/math/financial-mathematics-tx-teks/x647545bbd61df4a7:housing/x647545bbd61df4a7:mortgages/v/mortgage-payments</loc>
        
        <xhtml:link rel="alternate" hreflang="en"
                    href="https://www.khanacademy.org/math/financial-mathematics-tx-teks/x647545bbd61df4a7:housing/x647545bbd61df4a7:mortgages/v/mortgage-payments" />
        
        <lastmod>2026-04-04T02:06:38.980527203Z</lastmod>
        
        <PageMap xmlns="http://www.google.com/schemas/sitemap-pagemap/1.0">
            <DataObject type="document" id="mortgage-payments">
            <Attribute name="title">Mortgage payments</Attribute>
            <Attribute name="description">Learn how to estimate a monthly amortized mortgage payment using the Khan Academy financial calculator, focusing on principal and interest only (before adding taxes and insurance).</Attribute>
            <Attribute name="author">Sal Khan</Attribute>
            <Attribute name="type">video</Attribute>
            
            </DataObject>
        </PageMap>
        
        <video:video>
            <video:thumbnail_loc>https://cdn.kastatic.org/ka_thumbnails_cache/4c19cdcc-e0d0-47bc-9035-fe4b2f28052d_1280_720_base.png</video:thumbnail_loc>
            <video:title>Mortgage payments</video:title>
            <video:description>Learn how to estimate a monthly amortized mortgage payment using the Khan Academy financial calculator, focusing on principal and interest only (before adding taxes and insurance).</video:description>
            <video:player_loc>https://cdn.kastatic.org/ka-youtube-converted/JP9P6UBLSVA.mp4/JP9P6UBLSVA.mp4</video:player_loc>
            <video:duration>116</video:duration>
            <video:category>Mortgages</video:category>
        </video:video>
        
    </url>
    
    <url>
        <loc>https://www.khanacademy.org/math/financial-mathematics-tx-teks/x647545bbd61df4a7:housing/x647545bbd61df4a7:mortgages/a/how-to-calculate-mortgage-payment</loc>
        
        <xhtml:link rel="alternate" hreflang="en"
                    href="https://www.khanacademy.org/math/financial-mathematics-tx-teks/x647545bbd61df4a7:housing/x647545bbd61df4a7:mortgages/a/how-to-calculate-mortgage-payment" />
        
        <lastmod>2026-04-04T02:06:38.980527203Z</lastmod>
        
        <PageMap xmlns="http://www.google.com/schemas/sitemap-pagemap/1.0">
            <DataObject type="document" id="how-to-calculate-mortgage-payment">
            <Attribute name="title">How do you calculate a mortgage payment?</Attribute>
            <Attribute name="description">If you&#39;ve browsed home listings, you&#39;ve probably thought, “Okay… but how much would this actually cost me every month?” You&#39;re not alone. Understanding the monthly payment is a big part of figuring out whether a place fits your budget. This article will walk you through how to answer that question and estimate a home&#39;s monthly payment.</Attribute>
            
            <Attribute name="type">article</Attribute>
            
            </DataObject>
        </PageMap>
        
    </url>
    
    <url>
        <loc>https://www.khanacademy.org/math/financial-mathematics-tx-teks/x647545bbd61df4a7:housing/x647545bbd61df4a7:mortgages/e/calculate-mortgage-payments</loc>
        
        <xhtml:link rel="alternate" hreflang="en"
                    href="https://www.khanacademy.org/math/financial-mathematics-tx-teks/x647545bbd61df4a7:housing/x647545bbd61df4a7:mortgages/e/calculate-mortgage-payments" />
        
        <lastmod>2026-07-06T04:50:55.94861601Z</lastmod>
        
        <PageMap xmlns="http://www.google.com/schemas/sitemap-pagemap/1.0">
            <DataObject type="document" id="calculate-mortgage-payments">
            <Attribute name="title">Calculate mortgage payments</Attribute>
            <Attribute name="description">Explore amortization: how to calculate mortgage payments and understand the split between principal and interest.</Attribute>
            <Attribute name="author">Elvira Valdez</Attribute>
            <Attribute name="type">exercise</Attribute>
            
            </DataObject>
        </PageMap>
        
    </url>
    
    <url>
        <loc>https://www.khanacademy.org/math/financial-mathematics-tx-teks/x647545bbd61df4a7:housing/x647545bbd61df4a7:mortgages/v/escrow-and-additional-home-loan-costs</loc>
        
        <xhtml:link rel="alternate" hreflang="en"
                    href="https://www.khanacademy.org/math/financial-mathematics-tx-teks/x647545bbd61df4a7:housing/x647545bbd61df4a7:mortgages/v/escrow-and-additional-home-loan-costs" />
        
        <lastmod>2026-04-04T02:06:38.980527203Z</lastmod>
        
        <PageMap xmlns="http://www.google.com/schemas/sitemap-pagemap/1.0">
            <DataObject type="document" id="escrow-and-additional-home-loan-costs">
            <Attribute name="title">Escrow and additional home loan costs</Attribute>
            <Attribute name="description">When someone says, “My mortgage payment is $2,100,” that amount often includes more than just the loan itself. It can also include escrow - money set aside each month to cover expenses like property taxes and homeowners insurance.</Attribute>
            <Attribute name="author">Sal Khan</Attribute>
            <Attribute name="type">video</Attribute>
            
            </DataObject>
        </PageMap>
        
        <video:video>
            <video:thumbnail_loc>https://cdn.kastatic.org/ka_thumbnails_cache/1e3426a2-2449-4103-b0ec-28cd2a98c017_1280_720_base.png</video:thumbnail_loc>
            <video:title>Escrow and additional home loan costs</video:title>
            <video:description>When someone says, “My mortgage payment is $2,100,” that amount often includes more than just the loan itself. It can also include escrow - money set aside each month to cover expenses like property taxes and homeowners insurance.</video:description>
            <video:player_loc>https://cdn.kastatic.org/ka-youtube-converted/6UuWC2orLk4.mp4/6UuWC2orLk4.mp4</video:player_loc>
            <video:duration>163</video:duration>
            <video:category>Mortgages</video:category>
        </video:video>
        
    </url>
    
    <url>
        <loc>https://www.khanacademy.org/math/financial-mathematics-tx-teks/x647545bbd61df4a7:housing/x647545bbd61df4a7:mortgages/a/what-is-escrow</loc>
        
        <xhtml:link rel="alternate" hreflang="en"
                    href="https://www.khanacademy.org/math/financial-mathematics-tx-teks/x647545bbd61df4a7:housing/x647545bbd61df4a7:mortgages/a/what-is-escrow" />
        
        <lastmod>2026-04-04T02:06:38.980527203Z</lastmod>
        
        <PageMap xmlns="http://www.google.com/schemas/sitemap-pagemap/1.0">
            <DataObject type="document" id="what-is-escrow">
            <Attribute name="title">What is escrow?</Attribute>
            <Attribute name="description">Buying a home comes with more than just a loan payment. Let’s look at escrow and why your monthly mortgage payment might be higher than you expect.&#xA;</Attribute>
            
            <Attribute name="type">article</Attribute>
            
            </DataObject>
        </PageMap>
        
    </url>
    
    <url>
        <loc>https://www.khanacademy.org/math/financial-mathematics-tx-teks/x647545bbd61df4a7:housing/x647545bbd61df4a7:mortgages/e/understanding-escrow</loc>
        
        <xhtml:link rel="alternate" hreflang="en"
                    href="https://www.khanacademy.org/math/financial-mathematics-tx-teks/x647545bbd61df4a7:housing/x647545bbd61df4a7:mortgages/e/understanding-escrow" />
        
        <lastmod>2026-07-06T04:50:55.94861601Z</lastmod>
        
        <PageMap xmlns="http://www.google.com/schemas/sitemap-pagemap/1.0">
            <DataObject type="document" id="understanding-escrow">
            <Attribute name="title">Understanding escrow</Attribute>
            <Attribute name="description">Practice understanding of escrow form a mortgage perspective: PMI, what escrow covers, what escrow costs, and what affects escrow.</Attribute>
            <Attribute name="author">Elvira Valdez</Attribute>
            <Attribute name="type">exercise</Attribute>
            
            </DataObject>
        </PageMap>
        
    </url>
    
</urlset>
