PITI vs principal & interest
Principal & interest is only part of what you pay each month. Property taxes, homeowners insurance, PMI, and HOA often add hundreds of dollars. Underwriters care about the full housing payment.
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Mortgage Calculators That Help You Make Better Decisions
Free tools. No account. Independent estimates you can adjust in seconds — then research NMLS-verified lenders with zero paid placements.
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Understand the numbers
Short explainers so the tools stay useful — not a wall of generic content.
When PMI usually applies
Conventional loans often require private mortgage insurance when you put down less than 20% (LTV above 80%). PMI is an estimate until a lender quotes your program and credit profile.
Affordability rules of thumb
Front-end DTI (housing / income) and back-end DTI (all debts / income) are common screens. Guidelines vary by loan type — use the DTI Analyzer and Affordability tools, then confirm with a licensed professional.
Refinance break-even
Closing costs on a refinance can wipe out monthly savings if you sell or refinance again soon. The Refinance Savings tool estimates months to break even after costs.
Assumptions we use
Default tax rates are simplified state averages you can override. Insurance and HOA are editable. Rates are illustrative — shop real quotes. Always treat outputs as educational, not offers.
From numbers to lenders
When you know a rough loan size and payment, explore NMLS-verified lenders by county. We do not sell placement — you research profiles on your terms.
Trust & transparency
Calculation assumptions (taxes, insurance, PMI formulas) are simplified and editable in each tool. Directory matching uses public licensing and independent trust signals — not paid ranking. For deposit accounts and banking, see our FDIC-insured banks directory.
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How calculators connect to verified lenders
01
Get a useful estimate
Start with live PITI above the fold — or pick a journey for affordability, refinance, or comparison tools.
02
See your numbers clearly
Large payment totals, breakdowns, and a browser-saved session snapshot keep context while you explore other tools.
03
Research independent lenders
Match Me and county search filter NMLS-verified listings. No paid placements. No lead fees for ranking.
Calculator FAQ
Are these calculators free?
Yes — all tools are free, require no account, and update in real time as you adjust inputs.
How accurate are the estimates?
These tools provide estimates for educational purposes only. Actual rates, fees, terms, and approvals vary by lender, credit profile, property, and market conditions. Always consult a licensed mortgage professional. Assumptions (taxes, insurance, PMI) use simplified averages and can be adjusted in each tool.
What is PITI?
PITI means Principal, Interest, Taxes, and Insurance — the full monthly housing payment most lenders underwrite. Our flagship calculator also includes PMI (when LTV is above 80%) and optional HOA so you see a more complete number than principal & interest alone.
What does Match Me to Lenders do?
It filters our independent, NMLS-verified directory using your calculated loan profile — loan type, estimated amount, and payment. We never accept paid placements or sell your information for ranking.
Do you sell my data or charge lenders for placement?
No. Lender Trust Hub does not accept payment for placement or ranking. Calculator results are educational estimates; directory listings are independent.
Which calculator should I use first?
Start with the live Mortgage Payment (PITI) tool at the top of this page. If you are budgeting, open Affordability and DTI next. If you already have a loan, use Refinance Savings or the Payoff Planner.
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