US mortgage calculator with taxes, insurance and PMI

How to use this tool

1. Enter your values or choose a local file. Replace the example data with your own.
2. Review options, units and assumptions, then run the tool.
3. Check the result before copying or downloading it. Keep an original copy of important files.

Method & assumptions

Monthly PITI payment: principal, interest, property tax, home insurance, PMI and HOA dues.

Worked example

Home price: 420,000
Down payment: 42,000
Interest rate (%): 6.25
Loan term: 30 years
Property tax (% of price per year): 1.1
Home insurance per year: 1,800
PMI rate (% per year, if under 20% down): 0.5
HOA dues per month: 0

→ Principal & interest: USD 2,327.41
→ Property tax: USD 385.00
→ Home insurance: USD 150.00
→ PMI: USD 157.50
→ Total monthly payment (PITI): USD 3,019.91
→ Total interest over the term: USD 459,867.97

Limits & important notes

Basic release. Review the result before relying on it. File limits, supported cases and processing requirements are shown above.

Content updated: 2026-10-10