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

Ryan and Jenny

Working with Roland and his team was an outstanding experience from start to finish. He is incredibly accommodating and consistently went out of his way to fit showings and calls into our schedule. His level of expertise is immediately clear—he knows the market inside and out and offered valuable insights at every step. What impressed me most is how honest and thorough he is. Roland doesn’t sugarcoat things; he calls out potential issues with homes right away, even ones I never would’ve noticed. It’s clear he truly cares about helping his clients make the right decision, not just closing a deal. If you want a realtor who is professional, knowledgeable, and genuinely invested in your best interest, Roland is the one to choose.

comfortofhome2u

Lydia is an amazing professional. She knows her craft and very attentive to the needs of the client. She went way beyond her duty as far as making sure all details of the transactions were perfect. Thank you, Lydia for a job well done and plus.

daysygonzalez8228

Working with Lydia Osage was truly an incredible experience. She helped us find our very first home, and as first-time buyers, we had a lot to learn. We met her at a viewing and instantly appreciated her welcoming and genuine approach. After sharing our information, she followed up with a beautifully made informational presentation that taught us so much about the home-buying process—things we didn’t even know we needed to know.Lydia is extremely knowledgeable about the East Bay Area and homes in general. Every little quirk or detail about a property, she knew. She was available to us every step of the way, always patient, always supportive. She guided us through placing multiple offers and negotiated on our behalf so well. Even though we didn’t get the first homes we tried for, she never gave up on us, and we eventually landed the home we truly wanted. She negotiated our final offer so skillfully that we got everything we hoped for.Lydia—and her son, who works alongside her—are truly exceptional at what they do. She is helpful, professional, dedicated, and genuinely cares about her clients. I wish more people knew about her, because she made our first home-buying experience better than we could have imagined. We are so grateful for her!
Roland Osage
Roland 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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