A real mortgage calculator. With the math that actually matters.
Most online calculators show you the principal and interest payment and stop there. This one shows you the full PITI — principal, interest, taxes, insurance, and PMI if applicable — because that’s the number you actually pay every month. A payment is only half the question, though — the other half is what you bring on closing day, which you can estimate with the cash-to-close calculator.
This calculator is an educational estimate, not a loan offer or commitment to lend. Principal and interest assume a fixed-rate loan. Taxes, insurance, PMI/MI, and HOA are your inputs and vary by property and lender; PMI generally applies on a purchase with less than 20% down. Actual rates, payments, and terms depend on current pricing, your credit profile, and your specific scenario. Forest Hills Mortgage · Matt Mergo, NMLS #563819. Equal Housing Opportunity.