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Mortgage calculator

Real PITI math.
Numbers, not estimates.

Full PITI breakdown — principal, interest, taxes, insurance, PMI, HOA. Amortization schedule. Rate sensitivity. Optional DTI ratios when income is provided. Powered by THE KEYVECTRA FORWARD STANDARD™.

01

Loan basics

Price, down payment, rate, term.

$
%

20%+ avoids PMI on conventional.

%

Annual rate.

years

15 or 30 most common.

0 if you're not buying down the rate.

02

Carrying costs

Taxes and insurance default from price; HOA defaults to zero.

estimated
$/yr

Default 1% of price (US median).

estimated
$/yr

Default 0.5% of price.

$/mo

If the property has a master + sub-association (common in Summerlin), enter the sum of both monthly fees.

03

Affordability

Optional. Toggle on for DTI ratio and affordability snapshot.

04

Comparison

Optional. Pick which loan types to compare side-by-side.