Home buying

Mortgage PITI & loan type calculator

Compare conventional, FHA, VA, USDA, jumbo and adjustable-rate loans with a state-aware monthly payment breakdown.

Your next money question

Put your result to work

Understand your income →

Compare hourly pay, salary and take-home estimates.

Plan a home budget →

Bring income, debts and housing costs together.

Reach a savings goal →

Compare contributions and see when you could reach your target.

How each loan type changes the estimate

Conventional: estimates PMI above 80% loan-to-value. FHA: includes upfront and annual mortgage insurance. VA: models first-use or subsequent-use funding fees and lets eligible borrowers mark the fee exempt.

USDA: includes upfront and annual guarantee fees. Jumbo: flags lender-dependent mortgage insurance. 5/1 ARM: shows the initial-rate payment; it does not predict later rate adjustments.

How does the state dropdown affect PITI?

It applies a state-level effective property-tax planning rate. Property taxes vary by county, municipality, exemptions and assessed value, so enter the annual tax from a listing or local quote when available.

Why can my lender’s quote be different?

Credit, occupancy, county loan limits, lender overlays, insurance quotes, escrow timing, points, closing costs and program eligibility can all change the final payment.

Keep planning

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