How to Calculate Your Mortgage Payment (PITI Explained)
Learn what PITI means, how each component works, and how lenders combine them into one monthly payment.
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Free mortgage calculator
Estimate Your Monthly Mortgage Payment
See your full PITI payment — principal, interest, property tax, homeowners insurance, PMI, and HOA — plus a complete amortization schedule.
Estimated Monthly Payment
$0.00
Principal
$0
Interest
$0
Property Tax
$0
Insurance
$0
PMI
$0
HOA
$0
Principal vs. Interest
First payment split
Principal
$0
Interest
$0
Loan Summary
Loan Amount
$0
Down Payment
$0
Total Interest
$0
Amortization Schedule
| Payment # | Payment | Principal | Interest | Remaining Balance |
|---|
Important: This is an estimate only. It does not include taxes, insurance, or PMI unless specified. Rates shown are for illustrative purposes only. Your actual APR may vary.
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Full PITI Breakdown
See principal, interest, taxes, insurance, PMI, and HOA — not just a single number.
Amortization Table
Preview your schedule and download the complete CSV for every payment over the life of the loan.
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Calculations run entirely in your browser. We never store or sell your inputs.
Educational Resources
In-depth, plain-English guides on PMI, escrow, refinancing, and more.
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