Mortgage PITI Calculator

Calculate mortgage piti for real estate investments and properties

How it works

Enter principal and interest payment, annual property tax, homeowners insurance, and PMI if applicable. The calculator sums all components into total PITI payment.

Example

Principal & Interest $1,950 + property tax $450 + insurance $125 + PMI $175 = $2,700 total monthly PITI payment.

FAQs

Principal (loan paydown), Interest (loan cost), property Taxes, and Insurance (homeowners and PMI if applicable). This is your true monthly housing cost.

Varies widely, from 0.3% to 2.5%+ of home value annually. Texas, New Jersey, Illinois are highest. Research specific county rates.

When you reach 20% equity through payments or appreciation. Request removal at 20%, automatic at 22%. Or refinance once you hit 20%.