Enter a price, down payment, and rate to see your full PITI payment: principal, interest, taxes, insurance, PMI, and HOA, broken out line by line.
Principal & interest$1,816
Property tax$350
Homeowners insurance$150
Total monthly payment$2,316
Estimate only. Property tax and insurance default to Minnesota-typical rates (1.1% and 0.7% of price per year) when you don't know the exact figures. Swap in the real numbers from the listing for accuracy.
Principal vs. interest, by year$373,787 total interest over 30 yrs
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PITI stands for Principal, Interest, Taxes, and Insurance: the four components that typically make up a monthly mortgage payment. If you have an HOA or PMI, those get added on top.
Lenders use your exact credit profile, loan program, and locked rate, plus the property's actual tax and insurance bills. This calculator uses Minnesota-typical defaults (1.1% of price for annual tax, 0.7% for insurance) unless you enter real numbers. Swap those in for a closer estimate.
Private mortgage insurance is typically required on conventional loans when your down payment is under 20% of the purchase price. This calculator estimates PMI at 0.75% of the loan amount annually until you clear that 20% equity threshold.
No, this is a recurring monthly payment estimate only. Closing costs (typically 2 to 5% of the purchase price) are a separate, one-time expense at the time of purchase.