BNY MELLON INVESTMENT ADVISER, INC. 240 Greenwich Street New York, New York 10286

BNY MELLON INVESTMENT ADVISER, INC.
000 Xxxxxxxxx Xxxxxx

New York, New York 10286

August 7, 2023

BNY Mellon U.S. Mortgage Fund, Inc.

000 Xxxxxxxxx Xxxxxx
Xxx Xxxx, Xxx Xxxx 00000

Re: Expense Limitation Agreement

To Whom It May Concern:

Effective September 1, 2023, BNY Mellon Investment Adviser, Inc. ("BNYM Investment Adviser"), intending to be legally bound, hereby confirms its agreement in respect of BNY Mellon U.S. Mortgage Fund, Inc. (the "Fund"), as follows:

Until September 1, 2024, BNYM Investment Adviser has contractually agreed to waive receipt of its fees and/or assume the direct expenses of the Fund so that the direct expenses of the Fund's Class A, Class C, Class I, Class Y and Class Z shares (excluding taxes, interest expense, brokerage commissions, commitment fees on borrowings and extraordinary expenses) do not exceed an annal rate of .80%, 1.55%, .55%, .55% and .70%, respectively. On or after September 1, 2024, BNYM Investment Adviser may terminate this expense limitation at any time.

This Agreement may only be amended by agreement of the Fund, upon the approval of the Board of Directors of the Fund and BNYM Investment Adviser to lower the net amounts shown and may only be terminated prior to September 1, 2024, in the event of termination of the Management Agreement between BNYM Investment Adviser and the Fund.

BNY MELLON INVESTMENT ADVISER, INC.

By: /s/ Xxxxx Xxxxxxx_
                                                          Xxxxx Xxxxxxx

         Secretary

Accepted and Agreed To:

BNY MELLON U.S. MORTGAGE FUND, INC.

By: /s/ Xxxxx Xxxxxxx_

Xxxxx Xxxxxxx

Treasurer