Free tools · for real-estate agents
Mortgage Payment Calculator
The real monthly number, not just principal and interest: add property taxes, insurance, and HOA to see the full payment a buyer commits to.
Results appear here — enter the numbers and hit Calculate.
This calculator is one of 27 tools.
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Good to know
Common questions
What does PITI mean?
Principal, Interest, Taxes, and Insurance — the four parts of a typical monthly mortgage payment. Lenders qualify buyers on the full PITI, not just principal and interest.
Why include taxes and insurance?
Most lenders escrow them into the monthly payment, and they often add 20–30% on top of principal and interest. Ignoring them understates the real commitment.
Does this include PMI?
No — if the down payment is under 20%, private mortgage insurance typically adds more. Ask a lender for the exact figure.
More free tools: Seller Net Sheet Calculator · Buyer Affordability Calculator · Closing Cost Calculator