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Mortgage Calculator

Estimate a monthly payment, or see a ballpark of what you might be able to borrow. These are illustrative numbers, not a quote or a pre-approval.

Home price$500,000

$50,000$2,000,000

Down payment20%

0%50%

Down: $100,000 · Loan: $400,000

Interest rate6.500%

1.000%12.000%

Loan term30 yrs

10 yrs30 yrs

Additional costs

Property tax %

Insurance / yr

HOA / mo

Estimated monthly payment

$3,086.61

30-year fixed at 6.5% · estimate

Estimate only. Not a quote or pre-approval.

Total interest

$510,178

128% of loan

Total cost

$1,111,178

Over 30 years

Monthly breakdown

Principal & interest: $2,528
Property tax: $458
Insurance: $100

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Important disclosures

This calculator provides estimates for general informational purposes only. The figures are illustrative and do not constitute a rate quote, a pre-approval, a loan commitment, a guaranteed payment, or a promise of any closing-cost credit. Actual loan terms and qualification depend on verified income, credit history, employment, assets, the property, and full underwriting. DTI ratios use simplified assumptions and may not reflect every debt or income source. FHA loan limits shown are for California high-cost areas and vary by county. Rates are estimates and change with market conditions. This is not financial, tax, or legal advice. Contact a licensed mortgage professional for figures specific to you.

cahbi · John Palmer · CA DRE 010-55719 · NMLS 240187 · Equal Housing Opportunity. Not a commitment to lend.