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PITIA

Principal + Interest + Taxes + Insurance + HOA dues. The full monthly housing payment used in DTI calculations.

PITIA is the lender's definition of your monthly housing cost. It rolls together everything you pay related to the home: principal and interest on the mortgage, property taxes (escrowed monthly), homeowner's insurance, mortgage insurance (if applicable), and HOA dues. PITIA is the number divided into income for front-end DTI and the figure DSCR loans use to compare against rental income.

Related terms

DTI (Debt-to-Income Ratio)

Your monthly debt payments divided by gross monthly income. The primary qualification metric for most mortgage programs.

Escrow

A separate account held by the lender to pay property taxes and homeowner's insurance from monthly mortgage payments.

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Today's mortgage rates

Conventional

5.875%

5.911% APR

FHA

5.250%

5.278% APR

VA

5.250%

5.275% APR

Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.

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Today's mortgage rates

Conventional

5.875%

5.911% APR

FHA

5.250%

5.278% APR

VA

5.250%

5.275% APR

Conv: 80% LTV, 780 FICO. FHA: 96.5% LTV, 680 FICO. VA: 100% LTV, 680 FICO. 30-yr fixed. Your rate may vary.

Run Your ScenarioApply Now