The mortgage payment your lender quotes is only part of the story. Add property tax, insurance and any PMI and you get the figure that actually leaves your account each month. Adjust the dials below.
PMI of ~0.5%/yr is added automatically when your down payment is under 20%. All math runs locally in your browser; nothing is sent to a server.
The big number is your full monthly housing payment — often called PITI: principal, interest, taxes and insurance. Lenders love to quote only the first two, which is why the figure on a listing always feels lower than reality.
Watch the interest line. On a 30-year loan, the first decade is mostly interest; equity builds slowly at first and then accelerates. Shortening the term to 15 years roughly doubles the principal portion of each payment but can cut total interest by more than half.