California Mortgage Calculator With Taxes, Insurance, PMI and HOA
This California mortgage calculator estimates your full monthly payment: principal and interest, property tax, homeowners insurance, PMI and HOA dues. You enter your own interest rate, and it handles conventional, FHA and VA loans, plus ARMs and interest-only options.
5.0 Google Rating
NMLS #223442
24 Years Closing Loans
Get Your Mortgage Options
By submitting, you agree Ted may call, text or email you. Msg and data rates may apply. Reply STOP to opt out. Disclosures
California Mortgage Calculator at a Glance
What the calculator includes and where its numbers come from.
| Item | How the calculator handles it |
|---|---|
| Monthly payment | Principal and interest, property tax, homeowners insurance, PMI and HOA dues |
| Interest rate | You enter your own; the calculator never assumes one |
| Property tax | Starts at 1.1% per year; California’s base rate is 1% plus local voter-approved bonds |
| Loan programs | Conventional, FHA and VA, with fixed, ARM and interest-only options |
| Mortgage insurance | Estimate only. Conventional PMI comes from your down payment, loan amount and credit score using a national mortgage insurer’s rate card. FHA uses HUD’s current premiums. VA has no monthly mortgage insurance but adds a funding fee. You can type in a real PMI quote instead. |
| Homeowners insurance | Estimate only. Starts at 0.2% of the home price per year. Fire zones, flood insurance and HOA coverage can change it, so check with Ted. |
| Next step | Call or text (415) 717-0477 to check your real numbers |
How much will my mortgage payment be with taxes and insurance?
It depends on your loan amount, interest rate and term, plus your property tax, homeowners insurance and any PMI or HOA dues. Lenders add these together, often called PITI, to get your monthly payment. Enter your numbers in the calculator below to see each piece and the total.
A mortgage calculator California buyers can use for the whole payment, not just principal and interest. Pick your loan program, enter the home price, your down payment and the rate you were quoted, then add taxes, insurance and HOA dues.
| Principal and interest | |
| Property tax | |
| Homeowners insurance | |
| PMI | |
| HOA dues | |
| Loan amount |
Year-by-year loan balance
| Year | Principal paid | Interest paid | Balance |
|---|
Estimates only. This calculator uses the numbers you enter. It is not a loan offer, rate quote or approval. Your actual payment depends on your interest rate, loan program, property taxes, insurance and lender requirements. Homeowners insurance, PMI and FHA mortgage insurance are estimates. FHA figures use HUD’s current premiums and VA figures use VA’s funding fee chart. Insurance can cost more in wildfire zones or where flood insurance is required, and some HOAs cover homeowners or flood insurance. Check with Ted for your actual costs. Ted Erickson, NMLS #223442, Barrett Financial Group, L.L.C., NMLS #181106. Equal Housing Opportunity.
How the California Mortgage Calculator Works
- Principal and interest come from the standard amortization formula for your loan amount, rate and term.
- 5-, 7- and 10-year ARMs show the payment at your rate for the fixed period. Interest-only ARMs show the interest-only payment for the first 5, 7 or 10 years and what the payment becomes when principal payments start. An ARM’s rate can change after its fixed period.
- Property tax is the home price times your tax rate, divided by 12.
- Homeowners insurance starts at 0.2% of the price per year as an estimate; change it to match your quote. Wildfire zones and required flood insurance can cost more, and some HOAs cover homeowners or flood insurance, so check with Ted.
- PMI appears when your down payment is under 20%. It is estimated from your down payment, loan amount and credit score, or you can enter a quote.
- FHA estimates add the 1.75% upfront mortgage insurance to the loan plus an annual premium, from HUD Mortgagee Letter 2023-05. VA estimates add the funding fee from VA’s chart and no mortgage insurance.
- HOA dues are added as you enter them. Condo buyers should include HOA dues.
- The year-by-year table shows how much of each year’s payments go to principal and interest, and your balance.
Property Taxes in California
Under Proposition 13, California limits the property tax rate to 1% of assessed value plus the rate needed for local voter-approved bonds, according to the State Board of Equalization. That is why the calculator starts at 1.1%. Your county tax bill or the listing will show the actual rate, so change it to match.
Loan Limits and Jumbo Loans in California
Fannie Mae and Freddie Mac can only buy loans up to the conforming limit for each county. For 2026 the one-unit limit starts at $832,750 and reaches $1,249,125 in high-cost California counties, set by the FHFA. A larger loan is a jumbo loan, with its own lenders and rules. Ted works with borrowers across California and compares jumbo lenders for you; see jumbo loans.
A calculator only knows the numbers you give it. If you are self-employed, buying a condo or have been turned down before, call or text Ted at (415) 717-0477 and he will tell you plainly which loans fit your situation.
Tell Ted What Happened
Got turned down, stuck in underwriting, or have a deal that doesn’t fit the box? Call or text Ted directly, or start your application online.
Theodore Emery Erickson · NMLS #223442 · (415) 717-0477
Barrett Financial Group, L.L.C. · NMLS #181106 · NMLS Consumer Access
Branch: 3207 Grey Hawk Court, Suite 110, Carlsbad, CA 92010
CA 60DBO-46052 and 41DBO-148702. Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act. Equal Housing Opportunity. Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility.
Mortgage Calculator Questions
Straight answers about estimating a California mortgage payment.
Call or text (415) 717-0477