What Is PITI on a Mortgage?
Practical tips for PITI mortgage payment — private tools at loancalculate.org.
PITI = Principal + Interest + Taxes + Insurance (+ HOA if applicable). Lenders often use PITI to evaluate affordability — many guidelines cap housing near 28% of gross monthly income.
Our PITI calculator separates each component so you can adjust property tax, insurance, and HOA independently. Refinance and extra-payment tools show break-even and interest savings over the life of the loan.