Buyers
PITI Calculator
Your true monthly housing cost — principal, interest, taxes, insurance, PMI, and HOA all in one number.
Loan & Property Details
Total Monthly Payment (PITI)
Principal & Interest
$2,661
Property Tax
$458
Homeowners Insurance
$300
Loan Amount
$400,000
Down Payment
$100,000
Total Interest (life)
$558,036
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Florida Homeowner Tips
Homestead Exemption
Florida homeowners can reduce assessed value by up to $50,000, lowering your property tax bill significantly.
Insurance is higher in Florida
Hurricane exposure means homeowners insurance in South Florida often runs $4,000–$10,000+/yr depending on location and coverage.
HOA fees vary widely
South Florida condos and gated communities can have HOA fees from $200 to over $2,000/month. Always factor this in.