Buyer resources
Mortgage Payment Calculator
Your numbers
$180,000
Example rate — adjust for your situation. This is not a current or quoted rate.
Often a little above 1% of the price in California, and higher where special taxes apply. Check the figure for a specific property.
Often applies with less than 20% down. A lender can estimate it.
Everything is calculated in your browser. Nothing you enter here is saved or sent anywhere.
Estimate
Estimated total monthly housing payment
$5,601
30-year fixed at 6.5%
- Principal & interest
- $4,551
- Property taxes
- $900
- Homeowners insurance
- $150
- Loan amount
- $720,000
- Down payment
- $180,000 · 20.0%
- Total interest over the loanIf paid on schedule for the full term
- $918,320
What this estimate includes
Principal and interest use standard fixed-rate amortization. Taxes and insurance are spread evenly across twelve months, and HOA and mortgage insurance are added as entered.
What it leaves out
Closing costs, maintenance, utilities and any special assessments are not part of this figure. Adjustable-rate loans, points and lender credits change the picture too. A lender's Loan Estimate is the document to rely on.
Keep planning
- Homebuying BudgetStart from the monthly amount that feels comfortable and work back to an approximate price range.
- Cash Needed to BuyAdd up the down payment, closing costs and move — and the reserve you want left over afterwards.
- Practice the PaymentSet aside the difference between today's housing cost and a future one, and see how it feels before you commit.
Numbers are a starting point, not a decision.
If you would like to talk through what these figures could mean for a search in San Diego County — areas, timing, what to prioritize — Ardra is glad to help. There is no obligation.
This calculator provides estimates for educational purposes only and does not constitute a loan estimate, pre-approval, lending decision or financial advice. Actual rates, taxes, insurance, mortgage insurance, HOA fees, loan programs and closing costs vary. Consult a qualified lender, and where appropriate a tax or financial professional, regarding your circumstances.