Why is my MI not being included in the PITI?

The reason your MI is not calculating in is that your LTV cutoff is set at 78% and your LTV on the Mortgage is below that point. If this is an FHA loan, make sure to enter 360 in the MI cutoff month field so that MC  knows it has to carry MI for the life of the loan.  Once you fix the cutoff, the payment will show the right amount.

Also make sure that you have entered the Property Value amount.  This will determine the LTV percentage of the loan then the system will know when the loan has reached the LTV cutoff for conventional and low LTV FHA loans.