Real Estate Loan Calculator
Estimate monthly payments, PITI, and amortization for fixed, interest-only, balloon, or adjustable-rate loans.
Purchase & Down Payment
Loan Details
Standard loan — same payment for the entire term.
PITI (Optional)
Ready to Analyze
Enter purchase price and loan details to calculate your payment.
Why Use This Calculator
Estimate principal and interest, PITI, PMI, and amortization for fixed, interest-only, balloon, and ARM loan scenarios. Use this as a decision tool, then compare assumptions to real operating data over time.
Turn financing assumptions into live portfolio tracking.
Track each loan, payment, and reserve line item in Abode so your underwriting assumptions stay aligned with reality.
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Mortgage Payoff Calculator
See how extra monthly principal payments cut payoff time and interest.
DSCR Calculator
Calculate DSCR from NOI and debt service using annual or loan-derived inputs.
Frequently Asked Questions
Does this include taxes and insurance?
Yes. If you enter annual property tax and insurance, the calculator shows full PITI in addition to principal and interest.
How is PMI estimated?
PMI is auto-estimated when LTV is above 80% using a simplified annual factor for planning purposes.
Can I compare fixed vs ARM vs balloon quickly?
Yes. Switch loan type and recalculate to compare payment behavior and total financing cost.
Key Terms (Plain English)
PITI
Principal, interest, taxes, and insurance combined into one monthly housing payment view.
Example: If principal + interest is $2,200 and taxes/insurance are $500, PITI is $2,700.
LTV (Loan-to-Value)
Loan balance divided by property value, shown as a percent.
Example: A $320,000 loan on a $400,000 home equals 80% LTV.
Balloon Payment
A lump-sum balance due before full amortization ends.
Example: A 30-year amortized loan with a 7-year balloon requires payoff at year 7.