Mortgage Payment Calculator

Your real Florida monthly payment

This tool uses real Central Florida county data to build a full PITI estimate: principal, interest, county taxes, insurance, HOA, and PMI. Enter a price and down payment, pick your county, and see what you would actually pay each month.

Home price

Down payment

Interest rate (%)

Loan term

Florida county

Home insurance (per year)

Prefilled with a Florida estimate. Edit to match a real quote.

HOA (per month)

PMI rate (% of loan per year)

Applies when your down payment is under 20 percent. Drops off near 20 percent equity.

This will be my primary residence (apply homestead exemption)

Get these numbers reviewed by a local advisor

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Questions buyers ask

What is PITI?

PITI stands for principal, interest, taxes, and insurance, the four core parts of a monthly mortgage payment. This calculator adds HOA dues and PMI where they apply, so the total reflects what actually leaves your account each month rather than just the loan payment.

Are Florida taxes and insurance included?

Yes. Property taxes use your selected county's actual total millage on a new-purchase basis, with the homestead exemption applied when you check the box. Home insurance uses a Florida estimate that you can edit to match a real quote, since premiums vary widely by location, roof age, and coverage.

When does PMI drop off?

Private mortgage insurance generally applies when your down payment is under 20 percent. It typically falls away once you reach about 20 percent equity, either through payments or appreciation, and lenders are required to remove it automatically at 22 percent equity on the original schedule for most loans.

Disclosure. This tool provides estimates for general informational purposes only. It is not a loan offer, pre-approval, appraisal, or tax or legal advice, and actual figures depend on your lender, property, and circumstances. Property-tax estimates use current county millage on a new-purchase basis and will vary by taxing district, city limits, and CDD community. Evolve Estates Group is brokered by eXp Realty. Equal Housing Opportunity.