MORTGAGE PAYMENT CALCULATOR
What's Your Monthly Payment?
Free estimate tool — try it now, no signup required
Calculate your estimated monthly mortgage payment including principal, interest, taxes, insurance, and HOA.
Principal & Interest
Taxes & Insurance
Total PITI
Understanding your full monthly housing cost helps you budget accurately and shop with confidence.
What's included in PITI?
- Principal: The amount going toward your loan balance
- Interest: The cost of borrowing money
- Taxes: Property taxes (typically ~1.1% in CA)
- Insurance: Homeowner's insurance coverage
Frequently asked questions
What does the mortgage calculator include?
Principal, interest, property tax, and homeowners insurance (PITI) — what lenders actually use for qualification.
Does it include PMI?
Yes — if your down payment is below 20%, the calculator adds private mortgage insurance to the monthly payment automatically.
Can I model an ARM or interest-only loan?
Currently it models fixed-rate loans (15-, 20-, 30-year). For ARM and interest-only scenarios, use the comparison fields to model the initial-period payment manually.
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Mortgage Payment Calculator
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