Total monthly payment including principal & interest, property tax, insurance, PMI (if under 20% down), and HOA. With total interest paid over the life of the loan.
PMI of ~0.5% of loan is added automatically if down payment is under 20%. Property tax % varies by state — see state tax overview for accurate state rates (TX: 1.74%, IL: 2.11%, CA: 0.71%, FL: 0.83%, NV: 0.59%).