California Mortgage Calculator

Estimate your monthly payment and discover how much home you can afford in Northern California.

  • Fast and Accurate Calculations
  • Updated with Current Rates
  • 100% Free, No Obligation

Mortgage Calculator

Estimate your monthly payment in Northern California

Free Tool
Loan Details
Home Price $450,000
$100K$1.2M
Down Payment 20% · $90,000
3%50%
Loan Term
Interest Rate (APR) 6.75%
3.0%10.0%
Property Tax (annual rate) 1.20%
0.5%2.5%
Homeowners Insurance (annual) $1,400
$600$6,000
HOA (monthly, if applicable) $0
$0$800/mo
Estimated Monthly Payment
$2,934
Principal, interest, taxes & insurance
P&I 78%
Principal & Interest
$2,305
Property Tax
$450
Home Insurance
$117
Loan Amount
$360,000
After 20% down
Total Interest Paid
$470,163
Over 30 years
Total Cost of Home
$920,163
Principal + interest
P&I Only
$2,305/mo
Excl. tax & insurance
Talk to Angélica — Free Consultation →

This calculator provides estimates for informational purposes only.
Actual rates and payments may vary. Contact a licensed lender for exact figures.
Angélica Cervantes · DRE# 02370585 · BHHS Drysdale Properties

Year Beginning Balance Principal Paid Interest Paid Ending Balance

How Does This Mortgage Calculator Work?

This calculator helps you estimate your monthly housing payment using many of the same factors lenders consider when evaluating a mortgage. Adjust each field to explore different scenarios and better understand how changes can affect your monthly payment.

Home Price

Enter the estimated value of the property you would like to purchase.
The purchase price serves as the foundation for calculating your loan amount. In general, the higher the home price, the higher your monthly payment will be.

Down Payment

Select how much money you plan to contribute upfront toward the purchase of the home.
A larger down payment reduces the amount you need to finance and can significantly lower your monthly payment.

Loan Term

Choose how long you will have to repay the mortgage.
10 Years Higher monthly payments, lower total interest. 15 Years Balanced payments and interest costs. 30 Years Lower monthly payments, higher total interest.

Annual Interest Rate (APR)

Your interest rate has a major impact on your monthly mortgage payment.
Even a difference of half a percentage point can result in thousands of dollars in additional interest over the life of the loan. This calculator allows you to adjust the rate and compare different financing scenarios.

Property Taxes

Homeowners in California pay annual property taxes based on the value of their home.
This calculator includes an estimate to help you understand the total cost of homeownership, not just the mortgage payment.

Homeowners Insurance

Homeowners in California pay annual property taxes based on the value of their home.
You can adjust the estimated annual premium to create a projection that better reflects your specific situation.

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