Free Calculator
Mortgage calculator
Quick PITI estimate for any mortgage scenario. Clean breakdown of principal, interest, taxes, insurance, and HOA.
Loan basics
Quick PITI estimate
Monthly payment including taxes, insurance, and HOA.
The loan
Taxes, insurance, HOA
Monthly PITI
Enter your home price, down payment, rate, and term to see your monthly PITI payment.
Estimates only. Not a commitment to lend.
Disclaimer: Estimates only based on inputs provided. Does not include PMI, which typically applies on conventional loans with less than 20% down. Actual payment depends on credit, loan program, and final underwriting. Not a commitment to lend. Note: Quicker Home Loans is a business-purpose lender and does not originate loans for primary residences. This calculator is provided as a general utility — for investment-property financing, use our DSCR Calculator and Investment Property Calculator instead.
How to use this calculator
- 1
Enter home price and down payment
Home price is the purchase price. Down payment is what you put in at closing; the balance is the loan amount. Standard investment property down payment is 20-25%.
- 2
Enter interest rate and loan term
For investment property DSCR loans, expect rates in the 6.25%-7.5% range, with best-pricing rates around 5.75% on strongest files. Standard term is 30 years.
- 3
Review the monthly payment
The result is the monthly P&I payment. Actual full mortgage payment (PITI/PITIA) is higher once property taxes, homeowners insurance, and any HOA fees are added.
- 4
Remember this is P&I only
For investment property, PITI/PITIA is what matters for DSCR qualification — add taxes ($1,500-$8,000/year), insurance ($1,000-$3,000/year), and HOA if applicable to get total monthly obligation.
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Questions
Mortgage calculator FAQs
PITI is your complete monthly housing payment: Principal + Interest + Taxes + Insurance. Add HOA dues and it becomes PITIA — the total cost of owning the property each month.
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