Calculator
Mortgage Calculator
Calculate your full PITI payment — principal, interest, taxes, and insurance — plus every closing cost line item and total cash needed to close.
Presented by
Loan Details
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$
%
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$
200,000
Taxes, Insurance & HOA
$5,000/yr (2% of price)
Escrow: $416.67/mo
$1,667/yr (0.667% of price)
Escrow: $138.90/mo
$/mo
Estimated Closing Costs
Estimates vary by lender and location.
Estimated Total Closing Costs$5,129
Monthly PITI Payment
$1,919.92
principal · interest · taxes · insurance
Payment Breakdown
Principal & Interest
$1,364.35Property Tax
$416.67Insurance
$138.90Monthly Payment Detail
Principal & Interest$1,364.35
Property Tax (escrow)$416.67
Homeowners Insurance$138.90
Total PITI$1,919.92
Closing Costs Breakdown
Origination Fee (1.00%)$2,000
Appraisal Fee$500
Prepaid Interest (15 days)$596
Insurance Prepaid$1,200
Property Tax Escrow (2 mo)$833
Total Closing Costs$5,129
Cash Needed to Close
Down Payment$50,000
Closing Costs+ $5,129
Total Cash to Close$55,129
Loan Cost Summary
Loan Amount$200,000
Total Interest Paid$291,167
Total Cost of Loan$491,167
Loan Term30 Years
PrincipalInterest
Principal (41%)
Interest (59%)
Note: All figures are estimates. Property tax defaults to 2% of home price; insurance defaults to 0.667%. Toggle either off to enter your own values. Consult a licensed mortgage professional for exact figures.
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