Mortgage Calculator – Monthly Payment with PITI

US Mortgage Calculator

Your true monthly payment — principal, interest, taxes and insurance (PITI), plus PMI if your down payment is under 20%.

Home Price ($)

Down Payment ($)

Interest Rate (% APR)

Loan Term30 years20 years15 years10 years

Annual Property Tax ($)

Annual Home Insurance ($)

PMI Rate (% of loan per year, if down < 20%)

Total Monthly Payment

$0

Principal & Interest$0

Property Tax$0

Home Insurance$0

PMI$0

Loan Amount / Down %—

Total Interest Over Term$0

PMI (private mortgage insurance) applies when you put down less than 20% and typically costs 0.3–1.5% of the loan per year; it can be removed once you reach 20% equity. Budgeting rule: keep housing costs within 28% of gross income. HOA dues, if any, come on top. Estimates only — actual rates depend on credit score and lender.