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

M. Harris

We were referred to Roland from our loan officer. What I appreciated about working with Roland was the knowledge, honesty, support and communication during the entire process. While looking at houses I felt he had me and my husband's best interests in mind. He let us know if a home was overpriced, he pointed out potential problem areas of homes, he asked the relevant questions that I never even thought to ask, and he negotiated the best offer based on what we best benefit us and our money. I would definitely recommend Roland while purchasing home.

Chee26

What I appreciated about working with Lydia was the knowledge, honesty, support and communication during the entire process. While looking at houses I felt she had me and my husband's best interests in mind. She pointed out potential problem areas of homes, she asked the relevant questions that I never even thought of and some I did, and she helped to negotiate the best offer based on what we could afford. I would definitely recommend Lydia while purchasing home. We appreciated her caring follow up after we purchased the home as well.

charlotte foster

Everybody loves Roland. Oh, you thought the show was called Everybody Loves Raymond? Well, technically I guess it was however after our experience and time with Roland, this is how I see it now. I first found out about Roland through his fantastic, informative and hyper local Tiktok account. I was immediately drawn to his warmness and responsiveness when I initially reached out. When it came time to look for our first house I knew just who to call, and we are so glad that we did. From the very first house tour that we did with Roland we became actual aware of how much he was on " our team". He always pointed out potential hazards and property pitfalls that would have caused us trouble later down the road. His honesty and integrity is very clearly the most important value to him, as a professional and as a person. He educated us endlessly on the entire home buying process from start to finish which we had, literally zero clue about. I feel as though I could effortlessly pass a real estate course given the information he provided to us. No question was too small, not once did he make us feel as though we were inconveniencing him ( despite, I'm sure absolutely doing just that) We spent a lot of time with Roland and despite his patience , I feel like we saw a million houses. Three of which I was positive were " the ones, I couldn't live without them, I'm moving the budget houses". We didn't end up getting those houses and all of them were just stepping stones to our eventual forever home which we did find! Roland stayed so professional and positive throughout the entire journey that we couldn't help but feel a little sad when we we did eventually close on our house! Now, it didn't end there( thankfully, because, everybody loves Roland!) but he provided us with recommendations and vendors to help us with projects in our new home and has continued to check in on us, our family, and the house. He has been so immensely helpful even after closing, he's a gem, in this industry, in this world! We really and truly couldn't recommend him more highly to anyone considering hiring him as their agent. Keith&Charlotte Foster
agent
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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