Calculators
Your monthly payment is more than principal and interest — property tax, insurance, and HOA dues all stack on top. This breaks down each piece so you see exactly where your money goes, with Unitas Lending's actual payment formula.
$2,573
Estimated total monthly payment (PITI)
$320,000
Loan amount
$2,023
Principal & interest
$400
Monthly tax
$150
Monthly insurance
$408,142
Total interest over 30 years
These calculators provide estimates for educational purposes only — they are not a loan quote, rate lock, pre-approval, or commitment to lend, and actual figures depend on your full application, credit profile, and current rates through Unitas Lending. Property tax, insurance, and HOA figures are user-entered estimates, not verified amounts.
Want real numbers instead of an estimate? Get pre-approved.
Frequently Asked
Principal, interest, property tax, homeowners insurance, and HOA dues if you have them — the full "PITI" payment, not just the loan piece.
This calculator uses the rate and costs you enter. A real quote factors in your credit profile, the specific loan program, points, and current market pricing — always confirm with an actual pre-approval before treating a number as final.
It lowers the loan amount and often removes PMI once you cross 20% down, but the property tax and insurance portions of your payment stay the same regardless of down payment size.