Math
Mortgage Calculator
Most mortgage calculators give you principal + interest. We give you the whole payment — taxes, insurance, PMI, HOA — so you know what's hitting your bank account.
Enter the home price and down payment.
FAQ
What's PITI? +
Principal, Interest, Tax, Insurance — the four ingredients of a real mortgage payment. Add HOA and PMI for the real grand total.
When does PMI go away? +
Usually when you cross 20% equity. Some loans auto-cancel; others you have to request. FHA loans have rules of their own.
Should I do 15 or 30 years? +
15-year mortgages save massive interest but mean a higher monthly. Run both here and compare. If the 15-year payment is comfortable, it's usually the better long-term move.