PITI Calculator
See your true monthly housing payment, principal, interest, taxes and insurance, plus PMI and HOA, not just principal and interest.
- Free
- No sign-up
Enter your home price and details to see the full payment.
Worked example
With these example inputs:
- Home price$400,000
- Down payment20%
- Interest rate6.5%
- Loan term30 yr
- Property tax rate1.1%
- Home insurance$1,500
- HOA dues$0
Total monthly payment: $2,514
- Principal & interest$2,023
- Property tax$366.67
- Loan amount$320,000
Frequently asked questions
What does PITI stand for?
Principal, Interest, Taxes and Insurance, the four parts of a typical mortgage payment. Lenders use the full PITI, not just principal and interest, to judge affordability.
When is PMI included?
Private mortgage insurance is added when your down payment is under 20%, so the loan is more than 80% of the price. It usually drops off once you reach 20% equity.