PITI = 本金 + 利息 + 房产税 + 保险。月供中每一项的占比清晰可见。
使用 主房贷计算器 输入你的实际参数（首付、利率、年限）即可获得完整 PITI 分解。
首付 20%、房产税 1.2%/年、保险 $1,200/年、PMI 0.5%：
| 项目 | 月供 | 占比 |
|---|---|---|
| 本金 & 利息 P&I | $1,516 | 67% |
| 房产税 | $300 | 13% |
| 房屋保险 | $100 | 5% |
| PMI（< 20% 首付） | $100 | 4% |
| HOA | $250 | 11% |
| PITI 总额 | $2,266 | 100% |
房产税各州差异大：HI 0.3%/年最低，NJ 2.5%+ 最高。HOA 仅在小区/公寓有。escrow 账户由贷款机构管理，按月收税+保险费，年末结算。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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