Buying
Mortgage Calculator
Principal and interest is only part of the payment. This breaks out the whole thing.
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$180,000 down · $720,000 financed
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Use the rate your lender quoted you. The starting value is a placeholder, not a current market rate.
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California base rate is 1% plus local assessments and bonds, which vary by parcel. Your county tax bill shows the exact figure.
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Estimated monthly payment
$5,563
Principal & interest$4,551
Property taxes$863
Insurance$150
HOA$0
Excludes mortgage insurance, which most loans add when the down payment is under 20%.
This is an estimate for planning purposes only, not a loan offer, a pre-approval, or a guarantee of terms, costs, or proceeds. Your actual figures depend on your lender, your credit, the property, and the final contract. Talk to a lender for a real quote.