The Full Monthly Cost of Owning a Home — Explained, Not Hidden.
TruePITI is an independent mortgage calculator built around a simple observation: most payment quotes show principal and interest while leaving out the costs that decide what you actually pay each month. We show the full number — with the math and the sources behind it.
Our Story
Most mortgage payment quotes show principal and interest. They leave out the costs that decide what you actually pay each month — PMI, property taxes and homeowners insurance can add several hundred dollars to a payment on a typical loan, and a generic national tax rate can be far off for a specific county.
Many popular calculators repeat the same gap: some hide PMI entirely, others apply a tax rate that has nothing to do with where the buyer is looking. A household budgeting on one number can discover at closing that the real payment is meaningfully higher.
TruePITI was built to close that gap: it shows the complete PITI picture — principal, interest, property taxes, homeowners insurance and PMI — computed in the browser with nothing sent to a server. It is free, and it always shows its math. Established 2026.
Full-PITI Accuracy
Taxes, insurance, PMI, and HOA — the costs other calculators leave out of the quote.
Private by Design
Every calculation runs in your browser. No account, no email, no data collection.
Analyst-Grade Guides
FHA, VA, USDA, refinancing, DTI, escrow — written from primary sources, with the math shown.
How TruePITI Is Built
Internal editorial process
Content is researched from primary sources and written by our editorial team. We do not present team members as licensed mortgage originators, brokers, loan officers or financial advisors — because we do not currently claim any such credential.
Calculation engine
All financial math runs on-device in a single shared engine, checked with automated tests and cross-checked against independent calculations. Every calculator documents its formula and assumptions on the page.
TruePITI is an independent educational project: no team member is a licensed mortgage originator, broker, or financial advisor, and nothing on this site is personalized financial advice. We do not currently claim third-party expert review; an external credentialed review is planned before any "expert-reviewed" label is used.
Editorial Integrity & Methodology
The numbers on TruePITI come from primary sources, not press releases:
- •Rate benchmarks are synced from the Freddie Mac Primary Mortgage Market Survey (PMMS) and Federal Reserve Economic Data (FRED)
- •Amortization, DTI, and PMI formulas follow CFPB-standard calculation methods, computed locally in your browser
- •Calculator algorithms are checked against Freddie Mac PMMS and agency formula references, with automated tests on the shared calculation engine
- •Advertisers have no input into rate data, calculator logic, or editorial content — full stop
How TruePITI Stays Free
TruePITI is funded by display advertising (pending) and, where labeled, product links. Outbound links to lender marketplaces are informational; as of September 2026 no lender referral program is active. That doesn't change the math: your PITI, DTI and PMI calculations run in your browser using the numbers you enter, not ours. We don't sell loans and we never share your information.
What We Offer
Full PITI Mortgage Calculator
Principal, interest, taxes, insurance, PMI, and HOA — all in one place
Amortization Schedule
Full printable payment breakdown by month and year
Affordability Calculator
How much house can you really afford?
DTI & 28/36 Gauge
Debt-to-income analysis with lender-style thresholds
FHA, VA & USDA Support
Loan-type-specific fees: MIP, funding fees, guarantee fees
County-Level Rate Data
State and county benchmarks across all 50 states
Company
© 2026 TruePITI. All rights reserved. TruePITI is a Delaware-registered independent publisher of financial education tools. It is not a mortgage lender, broker, or financial advisor. All products and services referenced on this site are trademarks of their respective owners. Use of this site constitutes acceptance of our Terms of Service and Privacy Policy.
Important Disclaimer
TruePITI is an independent educational website. We are not a mortgage lender, broker, or financial advisor. All calculators provide estimates for educational purposes only — actual rates, payments, and terms depend on your lender, credit profile, and local market conditions. Outbound links to lender marketplaces are informational; where a product link may earn us a commission (currently only Amazon Associates book links), it is labeled. No commercial arrangement ever affects our calculator results or editorial content. Please consult a licensed mortgage professional for advice tailored to your situation.