When lenders underwrite your loan, they calculate your principal, interest, insurance and property taxes (PITI) as if they were paid monthly.  This calculator does the same thing.  Of course, you may have to mentally add mortgage insurance, if required, and Homeowner's Association Fees.

Years:

Interest:

Loan Amount:

Annual Tax:

Annual Insurance:

Principal & Interest 

Property Taxes

Homeowners Insurance 

Total PITI Payment