Free Tool · For Buyers

What would the payment actually be?

The mortgage is only part of it. Property tax, insurance, HOA and mortgage insurance all land in the same monthly bill — this shows the whole number.

The home

$

Below 20% adds mortgage insurance until you build enough equity.

The rest of the payment

California runs about 1.1–1.25% with local assessments. Mello-Roos in newer tracts pushes it higher.

$
$
Your payment each month
$0
—
  • Down payment$0
  • Amount borrowed$0
  • Principal & interest$0
  • Property tax$0
  • Insurance$0
  • HOA$0
  • Mortgage insurance under 20% down$0
  • Total monthly$0
Interest you would pay over the full term $0 The number nobody puts on a listing. Paying a little extra each month cuts it hard — see pay off early.
Have Lisa help you buy

An estimate for planning only — not a quote, pre-approval or guarantee. Your lender and escrow officer provide exact figures. Lisa Ng, REALTOR®, CA DRE #02240398 · eXp Realty of California, Inc., CA DRE #01878277.

Want to know what you can borrow?

Start from what you can comfortably afford each month, then work back to a price.

Try the affordability calculator Or call / text (626) 872-8232