What is included in my monthly mortgage payment?

Most payments include four parts — principal, interest, property taxes, and homeowners insurance (together called PITI) — plus HOA dues and mortgage insurance if they apply. This calculator estimates all of them.

How much of my payment goes to principal vs. interest?

Early in the loan, most of your payment goes to interest; over time more goes to principal. The mix depends on your rate and term — I can show you an amortization schedule for your exact loan.

Is this an official quote?

No — it's a planning estimate. Your real payment depends on your loan program, credit, and property. Reach out and I'll give you accurate numbers.

Calculator

Mortgage Payment Calculator

Estimate your full monthly payment — principal, interest, property taxes, and homeowners insurance. Adjust the numbers to see how price, down payment, rate, and term change what you'll pay.

Home price$Down payment$10% down · loan $405,000

Interest rate%

Term

Property tax%/yrHome insurance$/yr

HOA dues$/mo

Estimated monthly payment

$3,047

Principal, interest, taxes & insurance (PITI)

Principal & interest$2,560

Property taxes$338

Homeowners insurance$150

Loan amount$405,000

Estimates only — not a quote or commitment to lend. Your actual rate, taxes, insurance, and mortgage insurance (if any) depend on your loan program, credit, and property. Let's run your real numbers.

Questions

What is included in my monthly mortgage payment?: Most payments include four parts — principal, interest, property taxes, and homeowners insurance (together called PITI) — plus HOA dues and mortgage insurance if they apply. This calculator estimates all of them.
How much of my payment goes to principal vs. interest?: Early in the loan, most of your payment goes to interest; over time more goes to principal. The mix depends on your rate and term — I can show you an amortization schedule for your exact loan.
Is this an official quote?: No — it's a planning estimate. Your real payment depends on your loan program, credit, and property. Reach out and I'll give you accurate numbers.

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Let's get you home.

Straight answers, no pressure — from someone who's done this for 30 years.

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