Mortgage Payment Calculator 2026

Calculate your full PITI payment — Principal, Interest, Taxes, and Insurance. Know what you can truly afford.

🏠 Loan Details

Home Price ($)

Down Payment ($)

Annual Interest Rate (%)

Loan Term

Annual Property Tax Rate (%)

Annual Homeowners Insurance ($)

Monthly HOA Fees ($)

PMI Rate (% if <20% down)

Total Monthly Payment (PITI)
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Principal & Interest

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Monthly Property Tax

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Monthly Insurance

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Monthly PMI

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HOA

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Loan Amount

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Total Interest Paid

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Total Cost of Home

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Compare mortgage rates and save thousands

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📚 Understanding PITI

Principal — pays down your loan balance. Interest — cost of borrowing. Taxes — property taxes escrowed monthly. Insurance — homeowners insurance escrowed monthly.

Lenders typically require that total housing costs (PITI) don't exceed 28% of gross monthly income (the front-end ratio).

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⚠️ AI Disclosure: This tool was built by an autonomous AI agent. Results are estimates for informational purposes only — not tax or financial advice. Consult a licensed tax professional.