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.
$
$
%
%
Advanced
Payment
Schedule
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

Sonia Gomez

I knew I wanted to work with Roland and his team when I started seeing his videos on social media. He knows the East Bay real estate market very well, but more importantly he knows a lot about homes. I appreciate his respect for the historical character of older houses. On top of all this, Roland is genuinely invested in finding his clients a home that suites them well. Working with Roland was easy and fun! He is patient, and I can’t say this enough, he is incredibly knowledgeable about the competitive East Bay market, and he tells you what you need to hear. He helped my husband and I find the perfect home!for us. His entire team is warm, friendly, and on top of things. It was a dream to work with Roland and the East Bay Exclusive team!

Gemini Brett

Roland is an incredibly knowledgeable, helpful, attentive, and generally amazing realtor. He hung in with us for almost a year until we found the right house for us. We highly recommend working with Roland and Lydia.

Tharan Chahal

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

Name
Phone*
Message

By checking this box, I agree by electronic signature to the Electronic Disclosure Consent Agreement; to receive recurring marketing communication from East Bay Exclusive, including auto-dialed calls, texts, and artificial/prerecorded voice messages (message frequency varies; data rates may apply; reply "STOP" to opt-out of texts or "HELP" for assistance); and to the Terms of Service and Privacy Policy of this website. Consent not required to make a purchase. I understand that I can call to obtain direct assistance.