Mortgage Calculator with Taxes, Insurance, PMI, and HOA
Get a realistic monthly payment estimate with principal, interest, tax, insurance, HOA, and optional PMI.
Why this page
This page focuses on full-payment realism (PITI + HOA) so you can evaluate affordability beyond principal and interest alone.
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Results
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Estimate Disclaimer
Estimates only. Results are based on your inputs and may not reflect final loan terms, taxes, insurance, HOA dues, PMI rules, lender fees, or escrow adjustments. Confirm final numbers with your lender, servicer, and local tax/insurance sources before making financial decisions.
Amortization Table
| Month | Rate % | Begin Bal | Interest | Principal | Extra | PMI | PITI Outflow | End Bal |
|---|
Assumptions
- Estimate only. Excludes escrow shortages, lender fees, and refinance costs.
- For adjustable rate, future rates are user-entered assumptions.
- PMI uses original home value and stops when LTV reaches chosen threshold (default 78%).
Publisher Status
We are an informational publisher, not a mortgage lender, broker, or loan servicer.
FAQ
What is included in PITI?
PITI usually includes principal, interest, property taxes, and homeowners insurance.
Why did my mortgage payment increase?
Escrow changes from taxes, insurance, or PMI can increase total monthly payment even if principal and interest stay fixed.
When does PMI drop off?
PMI removal depends on loan type, amortization, home value, and servicer rules.
Should HOA be included in affordability?
Yes. HOA is a recurring housing cost and should be included when planning monthly budget.