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›What is PITI?

Principal, Interest, Taxes and Insurance — the four parts of your monthly housing payment that lenders use to qualify you.

›Should I make a 20% down payment?

20% avoids private mortgage insurance (PMI) on US conforming loans, but lower down payments are common (3-5% with FHA / first-time buyer programs).

›Does this include HOA fees?

No — add HOA dues separately to your total monthly cost. We only model PITI.

›Fixed or variable rate?

We assume a fixed rate. For ARMs the early-term rate is the same calculation; later years vary with the index.

›Is the calculator free?

Yes — fully free, no signup, runs in your browser.