Mortgage & Closing Costs Calculator

Your real monthly payment (PITI, including PMI) and the full cash to close — itemized, because closing costs are the line buyers underestimate most.

💡 Two surprises this catches: PMI (added automatically when you put down less than 20%) and closing costs, which typically run 2–5% of the price on top of your down payment.

Loan

Home price ($)

Down payment (%)

Interest rate (% APR)

Term (years)

Monthly escrow (for PITI)

Property taxes ($/yr)

Insurance ($/yr)

HOA ($/mo)

PMI rate (% of loan/yr)

PMI applies only while your down payment / equity is under 20%.

Closing costs (itemized)

Loan origination (% of loan)

Appraisal & inspection ($)

Title & escrow ($)

Recording & misc ($)

Prepaids / reserves ($)

Monthly payment

Principal & interest—

Property tax—

Insurance—

PMI —

HOA—

Total monthly (PITI)—

Cash needed at closing

Down payment—

Closing costs—

Origination—

Total cash to close—

Lifetime of the loan

Loan amount—

Total interest paid—

Total of all payments—

Total interest assumes you keep the loan to term and don’t refinance or prepay.