Cash Flow

PITI

Principal, Interest, Taxes, and Insurance — the four components of a typical mortgage payment.

Reviewed 9 August 2026 by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Plain-English explanation

When you say 'mortgage payment,' you usually mean PITI.

Examples

$200k loan @ 7%, 30yr = ~$1,330 P&I + ~$300 taxes/ins = $1,630 PITI.

Common mistakes

Forgetting HOA and PMI which sit outside PITI.

PITI

Plain-English explanation

Examples

Common mistakes

Related questions