PITI Mortgage Payment
Monthly P+I+T+I from principal, APR, term, and annual tax / insurance line items. Adds monthly HOA and PMI pass-through.
Formula and source
Monthly P&I = (P * r) / (1 - (1 + r)^-n) where P is principal, r is APR/12, n is term in months. PITI = P&I + monthly_tax + monthly_insurance. Tax = annual_property_tax / 12; insurance = annual_premium / 12. HOA and PMI are user-supplied monthly line items.
Standard mortgage amortization. The closed-form annuity-payment formula is universal.
Audience
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Posture
Rough Logic answers the math question the working professional asks on the job. The site is a calm, fast, ad-free, account-free, ever-free reference. It does not interpret code. It does not replace the licensed professional. It does not store your inputs. The Authority Having Jurisdiction governs all installations and inspections.