Mortgage Payment & Affordability

Estimate PITI (principal, interest, taxes, insurance) + PMI & HOA. Import your monthly net from the Income & Taxes tool to check DTI and the max price you can target.

Inputs

Home price

Down payment %

Interest rate (APR %)

Term (years)

PMI % (if down < 20%)

Annualized; drops ≈ when LTV ≤ 80%.

HOA / month

Taxes & Insurance

Property tax %

% of home value per year.

Home insurance / year

Escrow cushion / month

Extra Payments (optional)

Extra toward principal / month

One-time extra payment

Inputs save locally on this device.

Results & Affordability

Monthly payment (PITI + HOA)

—

Loan amount

—

Principal & Interest (PI)

—

Taxes & Insurance (TI)

—

PMI (if applicable)

—

HOA

—

Total interest (life of loan)

—

Estimated payoff time

—

Your imported monthly net

—

From Income & Taxes (auto when imported).

DTI (housing) • DTI (total est.)

—

Benchmarks: ~28% / ~36%.

Amortization (first 12 months)

Month	Payment	Principal	Interest	Balance

Estimates only—escrow practices and PMI rules vary.