Estimate your monthly payment with full PITI breakdown — principal, interest, tax & insurance. Results update instantly.
| Year | Principal | Interest | Total Paid | Balance |
|---|
Annual summary. Minor rounding differences may apply.
Enter the purchase price. Use +/− to adjust in $5,000 increments. Loan amount updates automatically.
Use the slider for a percentage or +/− for the dollar amount. ≥ 20% eliminates PMI entirely.
Adjusts in 0.05% steps. Small rate differences have a large impact on total interest over the loan life.
30 years = lower monthly payment. 15 years = far less total interest. The comparison table updates automatically.
Annual tax divided by 12, added to your monthly payment via escrow. Check with your local tax office for the exact figure.
Required if down payment < 20%. Estimated at ~0.8% of loan/year. Can be removed once equity reaches 20%.