Your true monthly payment — principal, interest, taxes, insurance, PMI, and HOA. With real county tax data. Free, no sign-up.
Calculate my real payment →Type a price and a rate into a typical calculator and you get principal and interest — maybe 70% of what you'll actually pay. The real monthly cost is PITI: Principal, Interest, Taxes, and Insurance — plus PMI if you put less than 20% down, plus HOA dues. Lenders qualify you on the full number. Budgeting on the partial one is the most common first-time buyer mistake.
Enter a property address and we pull the home's actual county tax record — not a national average. Live weekly rates from Freddie Mac fill in automatically. Correct FHA and VA math, including funding fees and MIP rules. A cash-to-close estimate so you know the check you'll write. And a Compare Homes tool that lines up to three houses side by side. All free, in English and Spanish, with no sign-ups and no ads.
Principal, Interest, Taxes, and Insurance — the four parts of a real mortgage payment. Lenders use the full PITI (plus HOA and mortgage insurance) to qualify you.
Enter an address and we use the county assessor's actual record for that home. Note that taxes are often reassessed upward after a sale — the field stays editable so you can model that.
Yes — conventional PMI (which auto-drops at 80% loan-to-value in our amortization math), FHA MIP, and the VA funding fee are all modeled with current rules.
Yes. No sign-up, no ads, no paywall. Real estate agents can even create a free branded version for their buyers.