Mortgage Calculator With PITI and HOA Breakdown
Monthly P&I plus tax, insurance and HOA in one total.
A home price is only half the story. The monthly payment you actually live with also includes property tax, insurance, and often HOA dues, and those extras can add hundreds of dollars a month. This calculator puts every part in one view: enter the price, down payment, rate, and term, add tax, insurance, and HOA, and it breaks the total into principal and interest, tax, insurance, and HOA. Run the same home at different rates and terms before you talk to a lender, so the quote you get is one you already understand.
Loading tool…
If the tool stays on this message, make sure JavaScript is enabled, then reload the page.
About Mortgage Calculator
House hunters fixate on the home price, but the monthly payment is what you actually live with, and it's built from more parts than principal and interest. Property tax, homeowner's insurance, and HOA dues can add hundreds of dollars a month on top of the loan itself, turning an affordable-looking price into a payment that isn't. This calculator assembles the full picture: enter the price, down payment, rate, and term, add tax, insurance, and HOA, and it breaks the monthly payment into each component so you can see exactly where the money goes.
The breakdown matters because each part behaves differently. Principal and interest are locked for a fixed-rate loan; property tax gets reassessed, insurance premiums creep up, and HOA dues rise with special assessments, so the “full payment” you see today is really a floor, not a ceiling. The down payment display, shown in both dollars and percent, doubles as a reality check against the 20% benchmark that typically avoids private mortgage insurance, which this estimate doesn't include.
Use this as a comparison engine, not a commitment. Run your target home at today's rate, then at a rate half a point higher, and watch what happens to the payment, that sensitivity is what rate shopping is really about. Lenders provide the binding numbers with PMI, points, and closing costs; this gives you the fluency to read their quotes critically. Results are estimates for illustration only and are not financial advice.
Worked example: a $350,000 home with 20% down ($70,000) leaves a $280,000 loan. At 6.75% over 30 years, principal and interest come to $1,816.07 a month. Add $3,600 a year of property tax ($300 a month) and $1,200 a year of insurance ($100 a month) and the full monthly payment is $2,216.07, before any PMI.
How to use Mortgage Calculator
- Enter the home price, down payment percent, rate and term.
- Add annual property tax, insurance and monthly HOA if you know them.
- See the full monthly payment broken into its parts.
- Try the same home at two rates or terms to see what rate shopping is worth.
Why use this tool?
- P&I, tax, insurance and HOA in one monthly total
- Down payment shown in dollars and percent
- Estimates for illustration only, not financial advice
Tips for best results
- See how extra principal payments affect the loan: even $100/month extra early on can cut years and tens of thousands in interest off a 30-year term.
- Test rate sensitivity, run the same home at rates half a point apart to see what rate shopping is actually worth.
- Budget for the non-P&I parts rising: taxes get reassessed and insurance renews higher, so treat today's total as a floor.
- If your down payment is under 20%, remember PMI isn't in this estimate. Add roughly 0.5–1% of the loan amount per year as a rough allowance.
- Get rate quotes on the same day when comparing lenders; mortgage rates move daily and stale quotes mislead.