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  5. PITI Calculator | Estimate Mortgage Payments (Principal, Interest, Taxes, Insurance)
Finance

PITI Calculator | Estimate Mortgage Payments (Principal, Interest, Taxes, Insurance)

Calculate your total monthly mortgage payment including Principal, Interest, Property Taxes, and Homeowners Insurance (PITI).

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Choose from 1 specialized version of this calculator, each optimized for specific use cases and calculation methods.

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First-Time Buyer
First-Time Home Buyer Mortgage Calculator (PITI)
Estimate your monthly mortgage payment as a first-time home buyer, including taxes and insurance.
first-time buyerFHA loandown payment assistance+1
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Frequently Asked Questions about PITI Calculator | Estimate Mortgage Payments (Principal, Interest, Taxes, Insurance)

PITI gives a much more accurate picture of your total monthly housing cost. Taxes and insurance can add significantly to your payment, and lenders consider PITI when determining affordability.

An escrow account is managed by your lender to collect funds for property taxes and homeowners insurance. Typically, 1/12th of the annual cost is added to your monthly mortgage payment and held in escrow until the bills are due.

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