Clear answers.
Real calculations.
Use practical California mortgage tools without a login, a lead form, or pages of lessons.
Estimate interest saved and how much sooner you could pay off your mortgage.
Estimate your monthly mortgage payment
Enter your own price, down payment and assumed interest rate. This runs in your browser and does not submit your numbers.
— Property tax
— Insurance + HOA + MI
— Loan amount
—
Illustrative estimates only. Tax rate, insurance, HOA and mortgage insurance vary. Default rate is a sample input, not a current offer. Excludes closing costs and other charges. Results are not loan qualification, a rate quote or approval. Confirm actual terms with a licensed professional.
Buying Power
Estimate a purchase range from gross income, debts and down payment.
Closing Costs
Plan the total cash needed including down payment, fees, prepaids and deposits.
Debt-to-Income
Compare your estimated mortgage payment and recurring debts with gross monthly income.
Refinance
Compare current and proposed mortgage principal-and-interest payments.
California loan limits by county
See published 2026 FHFA conforming and HUD FHA forward limits for 1–4 residential units. No out-of-state options.
What goes into your California mortgage payment?
The monthly principal-and-interest amount is only one part of the cost of owning a home. To estimate a more complete housing budget, include property taxes, homeowners insurance, homeowners association dues, and mortgage insurance when applicable. Depending on the loan and your escrow arrangement, some expenses may be paid to the loan servicer and others paid separately.
Our payment calculator lets you enter an assumed interest rate, property-tax percentage, and monthly insurance, HOA, and mortgage-insurance amounts. Its tax calculation is an estimate based on the purchase price you enter—not a property-specific assessment from a county tax assessor. A zero-dollar mortgage-insurance or HOA entry means you have not included that cost; it does not establish that the cost will be zero.
Before choosing a price range, compare several scenarios and leave room for maintenance, utilities, and unexpected expenses. Calculator results are planning estimates, not a loan approval or offered interest rate.
Next: Estimate my monthly payment · Check my debt-to-income ratio · Ask a California mortgage question
For general guidance, see the CFPB explanation of principal, interest, and total monthly payment and its Loan Estimate guide.
A conversation can make the numbers clearer.
Explore your California mortgage questions with a professional. Try our extra-payment savings calculator →