Tools

Mortgage PITI calculator

The old root /mortgage.html was a Tailwind lab that did not share classroom chrome. This is the same math — principal and interest, taxes, insurance, HOA, PMI over 80% LTV — in the library. Pair with DTI and how much house. Rate-and-term months to recoup: refinance break-even.

Home price Down payment Interest rate % Term

Property tax / year Homeowners insurance / year HOA / month PMI rate % of loan / year (used if LTV > 80%)

Monthly housing

Estimate only. Year-1 interest is the first twelve months on the declining balance, not loan × rate. PMI is on only when loan-to-value is over 80%. 6.5% is a typed example, not a Freddie Mac print. Lenders quote their own MI factor, impounds, and credits. Amortization table: /tools/amortization. Qualify the payment with DTI. Educational only.

Optional

Tip / Support

This mortgage PITI calculator is free. A voluntary tip supports this classroom — not a paywall, not tax software, not ads.

WhatIfInLearning

Optional classroom tip

$4.99 USD

Processed by PayPal as a WhatIfInLearning tip. Optional — never required to use the calculator.