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.

Payment

Schedule

Your mortgage payments over 30 years will add up to $0.

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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

Andy Hartzell

We're very glad we chose Roland and Lydia to sell our house in Oakland. They're complete pros who clearly love what they do, whether it's bringing out the best features of a home or soothing the fraying nerves of the homeowners. Roland's video walkthrough was more than an ad--it was a fitting tribute to the house we'd spent 25 years fixing up. The sales process was surprisingly smooth, and we ended up with a price we're happy with.

Angela

Lydia and Roland are a mother and son dream team who did God's work with helping me close the sell of my home in an unbelievably short amount of time in a extremely tough market. From the tasteful staging of my home, to pricing it right to attract potential buyers, to navigating the complex process of my home transactions, Lydia and Roland were there in very step of the way with encouragement and empowerment. Roland is not only a stellar realtor, he is also a social media marketing pro. He has a true talent in real estate with visionary solutions and deep roots in the East Bay. What sets Lydia apart is that she truly cares about her clients. She is warm, compassionate, punctual, knowledgeable, resourceful, and professional. I knew I had not only one but two realtors I could trust, and felt like I was treated like a member of their family. Home buying and selling is not just a transaction, it is a huge part of your life journey. Lydia and Roland listen, and genuinely want to be part of your story and help you to get to the next life chapter. I would not hesitant to recommend Lydia and Roland to anyone in the Bay Area and I am forever grateful for their help. If you're looking for a top notch real estate team, look no further than Lydia and Roland!

Globalist

Lydia and Roland are a mother and son dream team who did God's work with helping me close the sell of my home in an unbelievably short of amount of time in an extremely tough market. From the tasteful staging of my home, to pricing it right to attract potential buyers, to navigating the complex process of my home transactions, Lydia was there very step of the way with encouragement and empowerment. What sets Lydia apart is that she truly cares about her clients. She is warm, compassionate, punctual, knowledgeable, resourceful, and professional. I knew I had a realtor I could trust, and felt like I was treated like a member of her family. Home buying and selling is not just a transaction, it is a huge part of your life journey. Lydia listens, and genuinely wants to be part of your story and helps you to get to the next life chapter. I would not hesitant to recommend Lydia to anyone in the Bay Area and I am forever grateful for her help. If you're looking for a top notch real estate team, look no further than Lydia and Roland!

Roland Osage

Agent | License ID: 02055089

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