Free Tool
Estimate your full monthly mortgage payment — principal, interest, taxes, insurance, HOA and PMI (PITI) — not just principal and interest. Adjust any field to see your payment update instantly.
Estimate only. Your actual payment, rate, taxes and insurance vary. Not a commitment to lend.
Most calculators show only principal and interest. Your real payment also includes property taxes, homeowners insurance, any HOA dues, and PMI if you put less than 20% down. This tool adds all of them so the number reflects what actually leaves your account each month.
Want a payment tied to a real rate? The calculator uses the rate you type — for a live, personalized California rate, get a quick quote (no SSN, no credit pull to start). Browse loan options on our loan programs page or estimate affordability with the how much house can I afford calculator.
Your monthly mortgage payment is principal and interest plus property taxes, homeowners insurance, any HOA dues, and PMI if your down payment is under 20% — together called PITI. The principal and interest portion depends on your loan amount, interest rate, and term. This calculator adds them all for a true monthly figure.
A full mortgage payment (PITI) includes Principal, Interest, property Taxes, and homeowners Insurance, plus HOA dues and PMI where they apply. Many online calculators show only principal and interest, which understates your real payment — this one includes taxes, insurance, HOA, and PMI.
20% down avoids PMI and lowers your payment, but California buyers often put down 3–5% (conventional/FHA) or 0% (VA/USDA). A larger down payment reduces both your loan amount and your monthly payment; this calculator lets you test any amount instantly.
Yes. It uses full PITI — principal, interest, property taxes, homeowners insurance, HOA, and PMI — so the monthly number reflects what you'll actually pay, not just principal and interest.
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