Monthly Mortgage Payment Calculator
The full picture — principal, interest, taxes, insurance, PMI, and HOA. Most calculators show you P&I only. That's not your payment.
$400,000
5.0%
6.500%
$4,400
$1,400
$2,400
$0
Total monthly payment (PITI)
$3,085
- Principal & interest
- $2,402
- Property tax
- $367
- Homeowner's insurance
- $117
- PMI
- $200
- Loan amount
- $380,000
Important: All calculations on this site are estimates for educational purposes only and do not constitute a loan offer, approval, or commitment to lend. Your actual rate, payment, and terms depend on credit approval and will be provided by your loan officer.
Why PITI, not just P&I?
Your lender collects taxes and insurance with your payment (escrow) — so the P&I number most calculators show understates your real payment by hundreds per month. PMI applies when you put less than 20% down on a conventional loan. Enter your best estimates above, then ask me for the real picture on your situation.