What does PITI include?

PITI stands for principal, interest, taxes, and insurance — the four main components of most monthly mortgage payments. HOA dues and PMI may apply separately.

How accurate is this calculator?

It uses standard amortization math and your inputs. Actual quotes depend on loan program, credit, reserves, and lender pricing — use this to plan, then speak with a lender for a real quote.

Not directly. If your down payment is below 20%, expect PMI to add roughly $30–$70 per $100,000 borrowed per month on conventional loans.

Mortgage Calculator · Washington

Estimate your monthly mortgage payment.

Adjust price, down payment, rate, term, taxes, and insurance to see your estimated PITI in real time.

Home price$750,000

Down payment$150,000

20.0% of price

Interest rate6.50%

Loan term (years)30 yrs

Property taxes (annual)$8,000

Home insurance (annual)$1,800

Estimated Monthly

$4,609

Principal, interest, taxes & insurance

Principal & interest$3,792

Taxes & insurance$817

Total payment$4,609

Estimates only. Actual payments vary based on loan program, credit, PMI, HOA dues, and local tax rates.

Educational estimates only. This calculator does not factor PMI, HOA dues, or program-specific fees. For a real quote, speak with a licensed lender — we're happy to introduce trusted partners.

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