Your full monthly payment — principal, interest, tax, insurance and HOA — plus lifetime interest.
A mortgage payment is usually quoted as "PITI" — principal, interest, taxes and insurance. The principal-and-interest part comes from the loan amount, rate and term using the standard amortisation formula; taxes and insurance are added on top, typically collected monthly into an escrow account. The numbers worth watching: a longer term lowers the monthly payment but sharply increases the total interest, and putting less than 20% down usually means paying private mortgage insurance (PMI) until you build enough equity. This is an estimate for planning — your lender's quote will reflect your exact rate, fees and escrow. To see the upfront cash, use the cash-to-close estimator; to work backwards from income, try affordability.