Not just the principal-and-interest number — the real monthly mortgage cost, with property tax, homeowner’s insurance, PMI (auto-drop at 78% LTV), HOA fees, plus a full amortization schedule and affordability check.
01 — What you create
Most calculators stop at P&I — the "principal-and-interest" payment alone. This tool gives you the real PITI number with property tax, insurance, PMI, and HOA — what actually leaves your bank each month.
MORTGAGE PAYMENT SCHEDULE
Mortgage Schedule — 2026
Marcus & Sara Vance · 142 Maple Avenue, Austin TX · 30-yr fixed
PITI
USD 3,442
P&I
USD 2,604
ESCROW
USD 838
LOAN
USD 412,250
PITI BREAKDOWN
SCHEDULE PREVIEW
+ 356 more months in the full schedule
Scanned invoices, multi-page batches, multi-currency stacks, and direct push into your accounting system. Free for 30 days, no card required.
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02 — How it works
A 30-year mortgage at 6.5% looks like ₹/$ X per month in the principal-and-interest column. Add taxes (escrowed), insurance, PMI, and HOA — and the real cheque that leaves your account is often 30–40% larger. This tool shows you both.
Home price, down payment, rate, term. Pick the program (30-yr conventional, FHA, VA, 15-yr, etc.) — the tool tracks loan-to-value automatically.
Annual property tax, homeowner's insurance, monthly HOA, and PMI rate. PMI auto-drops at 78% LTV (the US default) — or set a manual cutoff.
PDF: PITI summary, loan details, PITI breakdown, affordability check, total cost, yearly summary, monthly schedule. XLSX: 3 sheets with full numeric data.
03 — Closing-table ready
Principal + Interest + Taxes + Insurance — the four-part US-standard monthly mortgage cost. Plus PMI and HOA if applicable.
PMI runs until the loan-to-value ratio drops below 78% (US default), then auto-stops. Or set a manual cutoff month for cards that do it differently.
Conventional 30 / 15-year, FHA, VA, jumbo, 5/1 ARM (first 5 years), or fully custom term. Program defaults set the term automatically.
Optional gross-monthly-income input gives you a front-end DTI ratio (PITI ÷ income) and a comfort rating: comfortable / tight / stretched / risky.
Add a flat extra-principal payment each month to model accelerated payoff — total interest drops and PMI clears faster.
PDF: cards, breakdown, affordability, total cost, yearly summary, first 60 months. XLSX: Summary, Schedule, Yearly — full schedule numeric.
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04 — Common questions
Principal + Interest + Taxes + Insurance — the four components of a full US-style monthly mortgage payment. Most online calculators only show P&I; the lender actually collects all four (taxes and insurance go into an escrow account they pay on your behalf).
Under the US Homeowners Protection Act, PMI auto-cancels when the loan balance reaches 78% of the original home value (assuming on-time payments). The tool defaults to this rule. You can also request manual cancellation at 80% LTV, or pick the "manual months" option to model a different cutoff.
EMI Schedule and Loan Amortization compute principal-and-interest only — fine for personal/auto loans where taxes don't apply. This tool adds the escrow components (tax, insurance, PMI, HOA) that mortgage payments include — and shows the real monthly cheque.
It varies dramatically by US state and county — Texas (~1.6–2.5%), California (~1%), New Jersey (~2.5%) are typical extremes. The tool takes an annual figure rather than a percentage so you can plug in whatever your closing disclosure or tax assessment shows.
Pick the 5/1 ARM program for the first-5-year fixed period. To model the post-reset rate, use the Loan Amortization tool which supports multiple rate segments — this Mortgage tool is best for fixed-rate or initial-period fixed scenarios.
PDF (loan details, PITI breakdown, affordability check, total-cost-over-life, yearly summary, monthly schedule with the first 60 months, totals row, notes — auto-paginated) and XLSX (3 sheets: Summary, Schedule, Yearly). All numeric.