Adjust the sliders to instantly see your estimated payment, total interest, and a full amortization schedule.
| Purchase Price | $400,000 |
| Down Payment | $80,000 (20%) |
| Loan Amount | $320,000 |
| Interest Rate | 6.5% |
| Loan Term | 30 years |
PITI = Principal + Interest + Taxes + Insurance. This is your true all-in monthly housing cost.
Note: This does not include HOA fees, PMI, or flood insurance if applicable. FHA loans include an MIP premium. PMI typically applies to conventional loans with less than 20% down.
How your loan balance changes over time. Early payments are mostly interest — principal payoff accelerates over the life of the loan.
| Year | Payment | Principal | Interest | Balance |
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