The figures on this page are estimates for general information. They are not a rate quote, a pre-approval, or a loan commitment.
Անվճար · առանց մուտք գործելու · միայն գնահատական
California Mortgage Calculator
Գնահատեք ամսական վճարը կամ տեսեք մոտավոր պատկերացում, թե որքան կարող եք փոխառել։ Սրանք ցուցադրական թվեր են, ոչ գնային առաջարկ և ոչ նախնական հաստատում։
Միայն գնահատական։ Ոչ գնային առաջարկ, ոչ նախնական հաստատում։
Ցանկանո՞ւմ եք անհատականացված գնահատական
Լիցենզավորված բրոքերը կարող է դիտարկել ձեր ամբողջական պատկերը և, որտեղ դա տեղին է, աշխատել իրական նախնական հաստատման ուղղությամբ։ Հստակ պատասխան 24–48 ժամում։
ՍկսելԱյս հաշվիչը տրամադրում է գնահատականներ միայն ընդհանուր տեղեկատվական նպատակներով։ Թվերը ցուցադրական են և չեն հանդիսանում տոկոսադրույքի առաջարկ, նախնական հաստատում, վարկ տրամադրելու պարտավորություն, երաշխավորված վճար կամ գործարքի փակման ծախսերի որևէ զեղչի խոստում։ Վարկի իրական պայմաններն ու որակավորումը կախված են ստուգված եկամտից, վարկային պատմությունից, զբաղվածությունից, ակտիվներից, գույքից և ամբողջական անդերրայթինգից։ DTI հարաբերակցությունները հիմնված են պարզեցված ենթադրությունների վրա և կարող են չարտացոլել բոլոր պարտքերը կամ եկամտի աղբյուրները։ Ցուցադրված FHA վարկի սահմանաչափերը վերաբերում են Կալիֆոռնիայի բարձրարժեք տարածքներին և տարբերվում են ըստ վարչաշրջանի։ Տոկոսադրույքները գնահատականներ են և փոփոխվում են շուկայական պայմաններին զուգահեռ։ Սա ֆինանսական, հարկային կամ իրավաբանական խորհրդատվություն չէ։ Ձեզ վերաբերող կոնկրետ թվերի համար դիմեք լիցենզավորված հիփոթեքային մասնագետի։
cahbi · John Palmer · CA DRE 010-55719 · NMLS 240187 · Բնակարանային հավասար հնարավորություն։ Վարկ տրամադրելու պարտավորություն չէ։
Sample monthly payments in Los Angeles County
Worked examples at an illustrative rate, using the Los Angeles County new-buyer property tax rate of 1.15% rather than the published average. Every figure below is an illustration, not an offer.What makes a California mortgage payment different
| Purchase price | Down | Loan amount | P&I | Tax | Insurance | PMI | Monthly total |
|---|---|---|---|---|---|---|---|
| $500,000 | 5% | $475,000 | $3,002 | $479 | $117 | $265 | $3,863 |
| $500,000 | 10% | $450,000 | $2,844 | $479 | $117 | $188 | $3,628 |
| $500,000 | 20% | $400,000 | $2,528 | $479 | $117 | — | $3,124 |
| $650,000 | 5% | $617,500 | $3,903 | $623 | $117 | $345 | $4,987 |
| $650,000 | 10% | $585,000 | $3,698 | $623 | $117 | $244 | $4,681 |
| $650,000 | 20% | $520,000 | $3,287 | $623 | $117 | — | $4,026 |
| $800,000 | 5% | $760,000 | $4,804 | $767 | $117 | $424 | $6,111 |
| $800,000 | 10% | $720,000 | $4,551 | $767 | $117 | $300 | $5,734 |
| $800,000 | 20% | $640,000 | $4,045 | $767 | $117 | — | $4,929 |
| $950,000 | 5% | $902,500 | $5,704 | $910 | $117 | $504 | $7,235 |
| $950,000 | 10% | $855,000 | $5,404 | $910 | $117 | $356 | $6,788 |
| $950,000 | 20% | $760,000 | $4,804 | $910 | $117 | — | $5,831 |
| $1,100,000 | 5% | $1,045,000 | $6,605 | $1,054 | $117 | $583 | $8,359 |
| $1,100,000 | 10% | $990,000 | $6,257 | $1,054 | $117 | $413 | $7,841 |
| $1,100,000 | 20% | $880,000 | $5,562 | $1,054 | $117 | — | $6,733 |
| $1,400,000 | 5% | $1,330,000Jumbo | $8,407 | $1,342 | $117 | $743 | $10,607 |
| $1,400,000 | 10% | $1,260,000Jumbo | $7,964 | $1,342 | $117 | $525 | $9,947 |
| $1,400,000 | 20% | $1,120,000 | $7,079 | $1,342 | $117 | — | $8,537 |
| $1,800,000 | 5% | $1,710,000Jumbo | $10,808 | $1,725 | $117 | $955 | $13,605 |
| $1,800,000 | 10% | $1,620,000Jumbo | $10,240 | $1,725 | $117 | $675 | $12,756 |
| $1,800,000 | 20% | $1,440,000Jumbo | $9,102 | $1,725 | $117 | — | $10,943 |
Rows tagged Jumbo exceed the Los Angeles County conforming limit. Jumbo financing prices differently, usually requires a larger down payment, and often carries reserve requirements, so those rows are not directly comparable to the conforming rows above them.
Totals exclude HOA dues, any Mello-Roos assessment, and first-year supplemental tax. Homeowners insurance is held at a conservative statewide figure and runs materially higher in wildfire-exposed areas. Figures as of August 2026.
California property tax by county: published average vs. what a buyer pays
The middle column is the number most calculators use. The column beside it is the number to actually budget against.
| County | Published average | New buyer pays | Understated by | Mello-Roos |
|---|---|---|---|---|
| Los Angeles | 0.68% | 1.15%–1.25% | 1.69× | Less common |
| Orange | 0.62% | 1.05%–1.15% | 1.69× | Common |
| San Diego | 0.65% | 1.10%–1.20% | 1.69× | Common |
| Santa Clara | 0.64% | 1.15%–1.30% | 1.80× | Less common |
| Riverside | 0.75% | 1.10%–1.25% | 1.47× | Common |
| San Bernardino | 0.67% | 1.10%–1.20% | 1.64× | Common |
| Ventura | 0.67% | 1.05%–1.18% | 1.57× | Common |
New-buyer rates combine the 1% Proposition 13 base with typical voter-approved local indebtedness, and exclude any Mello-Roos assessment. Exact rates are set per tax rate area, so confirm yours with the county assessor. Figures as of August 2026.
2026 conforming loan limits by California county
The national baseline for a one-unit property is $832,750. High-cost counties reach a ceiling of $1,249,125. California spans the entire range, which is why the same purchase price can be a conforming loan in one county and a jumbo in the next.
| County | 2026 limit, one unit | Tier |
|---|---|---|
| Los Angeles | $1,249,125 | High-cost area |
| Orange | $1,249,125 | High-cost area |
| San Diego | $1,104,000 | High-cost area |
| Santa Clara | $1,249,125 | High-cost area |
| Riverside | $832,750 | National baseline |
| San Bernardino | $832,750 | National baseline |
| Ventura | $1,035,000 | High-cost area |
Source: Federal Housing Finance Agency, 2026 Conforming Loan Limit Values. Limits are set annually and apply to loans originated during the calendar year.
Assumptions and sources
Every figure on this page comes from a named source and is reviewed on a set schedule. Current as of August 2026.
- Property tax, new buyer
- 1.05%–1.30%What makes a California mortgage payment differentCA Board of Equalization
- Mello-Roos, where it applies
- +0.30%–0.80%What makes a California mortgage payment differentCounty assessor CFD rolls
- Supplemental tax
- One-time, first yearWhat makes a California mortgage payment differentCA Board of Equalization
- Conforming loan limit
- 2026 FHFA, by countyFHFA
- Homeowners insurance, annual
- $1,400–$2,800CA FAIR Plan
Interest rates are supplied by you in the calculator above. cahbi does not publish rates, because the rate you qualify for depends on your full financial picture.
The terms on this page, in plain language
- PITI
- Principal, interest, taxes, and insurance: the four parts of a typical monthly mortgage payment. Lenders look at PITI rather than principal and interest alone when deciding what you qualify for.
- Proposition 13
- A 1978 California measure capping property tax at 1% of assessed value and limiting assessed-value growth to 2% a year while you own the home. Assessed value resets to the purchase price when the property changes hands.
- Supplemental property tax
- A one-time bill issued after the county reassesses a property at its new purchase price. It covers the difference between the prior owner's assessed value and yours, prorated from your closing date to the end of the fiscal year on June 30.
- Mello-Roos
- An assessment levied inside a Community Facilities District to pay for infrastructure such as roads, schools, and parks. It is charged on top of the base property tax rate and is most common in newer master-planned communities.
- Impound account
- An account your lender uses to collect property tax and insurance alongside your monthly payment, then pays those bills on your behalf. Also called an escrow account. It raises your monthly payment but removes the large annual bills.
- Conforming loan limit
- The largest loan amount Fannie Mae and Freddie Mac will purchase, set annually by the FHFA and varying by county. Above it, a loan is a jumbo and is priced and underwritten differently.
Common questions
What property tax rate should I use for a California mortgage calculator?
Use roughly 1.05% to 1.30% of your purchase price, depending on county, and add more if the property sits in a Mello-Roos district. Do not use the published average effective rate for your county. Those averages are held down by Proposition 13 and describe long-time owners rather than someone buying today.
What is the supplemental property tax bill in California?
When you buy, the county reassesses the property at your purchase price and sends a one-time bill for the difference between the previous owner's assessed value and yours, prorated to the end of the fiscal year. If the seller owned the home for a long time, that gap can be large. Set money aside for it, because it arrives outside your regular payment and is not covered by your impound account in the first year.
How much does Mello-Roos add to a monthly payment?
Typically an extra 0.3% to 0.8% of assessed value per year on top of the base rate, though the exact amount is set by the individual district and has a fixed end date. On a $900,000 home that can be several hundred dollars a month. Any listing inside a Community Facilities District should disclose it, and it is worth confirming before you write an offer.
Why is homeowners insurance so expensive in parts of California?
Wildfire risk has led several carriers to limit new policies in exposed areas, which pushes more buyers toward the California FAIR Plan and supplemental coverage. In those areas insurance can run well above the statewide typical range, and it is worth getting a quote early, because it changes what you can afford and lenders require coverage in place before closing.
When does a California mortgage become a jumbo loan?
When the loan amount exceeds the FHFA conforming limit for that county. In 2026 that ranges from $832,750 in counties at the national baseline up to $1,249,125 in high-cost counties. Because California spans the full range, the same purchase price can be conforming in one county and jumbo in the county next door.
How much do I need for a down payment in California?
Less than most people expect. Conventional financing can start at 3% down for qualified buyers and FHA at 3.5%, and California has down payment assistance programs through CalHFA. Below 20% you will generally pay mortgage insurance, which the table above includes. The right answer depends on your full picture, which is what a conversation is for.
How accurate is this calculator?
It is an estimate for general information, and it is built to be more realistic for California than a national tool because it uses new-buyer property tax rates rather than Proposition 13-depressed averages. It is not a rate quote, a pre-approval, or a loan commitment. Your actual terms depend on verified income, credit, assets, the property, and full underwriting.
What happens after I run the numbers?
You can have a licensed broker look at your full picture rather than an estimate. John Palmer is dual-licensed for both the home and the loan, runs Fannie Mae underwriting upfront, and gives you a clear answer in 24 to 48 hours.