About Mortgage Calculator
Calculate real monthly homeownership expenses with Principal, Interest, Property Taxes, Homeowners Insurance (PITI), PMI, and HOA fees. Includes Loan-to-Value (LTV) ratio analysis.
Key Capabilities & Features
- Full PITI breakdown: Principal, Interest, Taxes, Insurance, PMI, and HOA fees
- Configurable down payment percentage with instant dollar conversion
- Automatic Private Mortgage Insurance (PMI) estimation for down payments under 20%
- Loan-to-Value (LTV) ratio calculation
- Supports 15, 20, and 30-year fixed mortgages
How to Use Mortgage Calculator
1
Enter Home Price
Input total purchase price and down payment percentage.
2
Set Mortgage Rate
Input interest rate and loan term (15, 20, or 30 years).
3
Add Escrow Costs
Add property tax rate, annual insurance, and monthly HOA fees.
Privacy & In-Browser Execution Guarantee
100% client-side privacy. Sensitive home purchase details remain private.
Frequently Asked Questions
What is PITI?
PITI stands for Principal, Interest, Taxes, and Insurance — the four core components of a monthly mortgage payment.
When is PMI required?
Lenders typically require Private Mortgage Insurance (PMI) when your down payment is less than 20% of the home purchase price.