Mortgage Calculator

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.

Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

Success Stories

Tharan Chahal

This team was extraordinary! From communication to media, my husband and I felt supported throughout the entire journey of selling our home!

kaveh seivani

We had an absolutely fantastic experience working with Roland and his team to purchase our dream home. From the very first day through closing, the entire process was incredibly smooth, organized, and well planned. Roland was always responsive, knowledgeable, patient, and informative. He took the time to clearly explain every step of the home buying process, helped us understand the disclosures and all the important details, and made sure we always knew what was happening and what came next. What we appreciated most was how well Roland understood what my wife and I were looking for. He listened to our needs and preferences and helped us find a home that truly feels tailored to us, not just any house, but the right one. Buying a home can be stressful and complicated, but Roland and his team made the entire experience feel straightforward and manageable. We always felt supported and well informed, from our initial search all the way through getting the keys. We couldn’t be happier with our new home and the experience we had. We highly recommend Roland and his team to anyone looking to buy or sell a home. Five stars without hesitation!

Mathew DeSanctis

When my wife and I bought a home on Mare Island, Lydia Osage-Smith was the seller's agent. We knew then and there that we wanted to engage her to sell our home when the time came. Sooner than we expected that time came, and each step of the way she came proactively prepared. We attribute her expertise to getting exactly what we wanted for our home relying on her extensive experience in the area. Not only is she and her team professional and knowledgeable, but also some of the kindest and warmest people you will ever meet. If you're looking to buy or sell, you won't go wrong with this team. They understand the ins and outs, and how much a home (and the buying/selling process) can really mean to families like ours.
Roland & Lydia Osage
Roland & Lydia Osage

Agent License ID: 02055089

+1(925) 206-9799 | home@eastbayexclusive.com

Let's get you to your next dream home.

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