Mortgage Calculator

Mortgage calculator

What would my monthly payment be?

Plug in a price and down payment to estimate your full monthly cost, including property taxes, insurance and HOA dues. It’s a quick way to see what fits your budget before you talk to a lender.

Home price

Down payment

Interest rate

Use your lender’s quote

Loan term

Property tax rate

About 1% to 1.25% in most of Orange County, plus any Mello-Roos

Home insurance

$/yr

HOA dues

$/mo

Mortgage insurance (PMI)

%/yr

Usually only applies with less than 20% down. Leave as is and it’s added automatically when needed.

Estimated monthly payment

Principal & interest$0

Property tax$0

Home insurance$0

HOA dues$0

Mortgage insurance$0

Talk through my numbers

Good to know

A few things the calculator can’t see

Your real rate

Rates depend on your credit, loan type and down payment. A pre-approval gives you the number to plug in here.

Mello-Roos and special taxes

Many newer South County communities add special assessments on top of the base tax rate. I’ll pull the actual tax bill for any home you’re considering.

Cash to close

Plan for closing costs in addition to your down payment. Ask your lender for a Loan Estimate once you’re in escrow.

Free guides & resources Let’s talk

This calculator provides estimates for general educational purposes only and is not a loan offer, pre-approval or financial advice. Actual payments depend on your lender, loan program, credit, taxes, insurance and HOA. Consult a licensed lender for exact figures.