Home & Energy
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Mortgage Payment (PITI & PMI) Calculator
Calculate complete monthly housing payments including Principal, Interest, Property Taxes, Homeowners Insurance, and Private Mortgage Insurance (PMI).
What is my true total monthly payment (PITI) on a $400k home?How much does putting down 10% vs 20% change my monthly PMI and payment?What is the total interest paid over a 30-year fixed loan?
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Mortgage & Property Details
$
10% ($40,000.00)
3.5% (FHA min) • 10% • 20% (Avoids PMI)
%
$
$
Total Monthly Housing Payment (PITI)
$2,955.44/ month
Principal & Interest: $2,275.44 / month.
Monthly Payment Breakdown
Principal & Interest$2,275.44 (77.0%)
Property Tax$400.00 (13.5%)
Homeowners Insurance$100.00 (3.4%)
PMI$180.00 (6.1%)
Total Interest Paid
$459,160.16
Total 30-Yr Cost of Home
$1M
How this calculation works
Combines fixed amortization principal & interest with escrowed taxes, hazard insurance, and PMI fees.
Formula
Total Payment = Monthly P&I + (Annual Tax / 12) + (Insurance / 12) + Monthly PMI + HOA
Frequently asked questions
Under the Homeowners Protection Act, lenders must automatically cancel PMI once your loan-to-value (LTV) ratio reaches 78% (or 80% upon written borrower request).
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