Why PITI matters
PITI captures the full carrying cost of a mortgage, not just the lender payment. It helps you budget for taxes and insurance that escrow accounts or annual renewals would otherwise hide.
Mortgage PITI Scenario
PITI breakdown for $400,000 home – 5% down, 7% rate, 30-year term
High-LTV mortgage scenario illustrating the impact of a higher rate and smaller down payment on monthly affordability.
Home price
$400,000
5% down ( $20,000)
Total monthly PITI
$3,136.48
Principal, interest, taxes, insurance, HOA
Interest rate
7% • 30-year fixed
Loan amount $380,000
Total interest
$530,134
Payoff projected December 2055
Monthly payment mix
Principal & interest make up $2,528.15 of the $3,136.48 payment.
Principal & Interest
The core mortgage payment that reduces your balance and covers loan interest.
Property Taxes
Annual property taxes converted to a monthly estimate; varies by location.
Homeowners Insurance
Estimated monthly premium to protect the structure and contents.
HOA Dues
Monthly homeowner association dues covering shared amenities or services.
All-in monthly total
$3,136.48
Optional cost assumptions
Taxes and insurance are approximated as a percentage of the home price. Adjust them in the calculator to match your county tax rate or insurance quote.
Customize your scenario
Save, share, or tweak this setup inside the interactive calculator. Model different down payments, adjust extra payments, or see how PMI would change the numbers.
Amortization highlights
Cumulative principal and interest paid at key milestones.
Year 1
Principal paid (cumulative)
$3,860
Interest paid (cumulative)
$26,478
Remaining balance
$376,140
Year 5
Principal paid (cumulative)
$22,300
Interest paid (cumulative)
$129,389
Remaining balance
$357,700
Year 10
Principal paid (cumulative)
$53,913
Interest paid (cumulative)
$249,465
Remaining balance
$326,087
Year 30
Principal paid (cumulative)
$380,000
Interest paid (cumulative)
$530,134
Remaining balance
$0
Scenario summary
High-LTV mortgage scenario illustrating the impact of a higher rate and smaller down payment on monthly affordability.