Free tool
Mortgage payment calculator
Estimate your monthly payment including taxes, insurance and HOA dues. Adjust any number to see how it changes.
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Loan term
Estimated monthly payment
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- Principal & interest
- Property tax
- Insurance
- HOA
- Loan amount
Estimate only. Does not include mortgage insurance, which may apply with less than 20% down. Not a loan offer.
Property tax
In California, the base rate is about 1.1% of the purchase price, but special assessments (like Mello-Roos) can raise it in newer communities. Ask Bill for the real number on a specific address.
Mortgage insurance
With less than 20% down, most loans add mortgage insurance. VA loans don't. Bill can show you how to minimize or remove it.