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

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

Ali M

If you want the Best home buying or selling experience please just consider Roland and Lydia. I recently purchased a home with Roland & Lydia Osage and they are a dream team and an absolute pleasure to work with! From the onset of the home buying process, they worked with us care & empathy to understand our needs and then constantly and consistently looked out for our best interest. The most important element in an agent is being personable, listening, flexible, the ability to read the client and understand their requirements and also be able to read the market accurately, offer valuable insights and advise their clients on the best course of action at the time of buying. They were very thorough in everything and ensured that they were looking out for our best interest and explaining what needs to be done at each step of the way (how to setup the contracts, what contingencies are important and how buyers can be protected throughout the process) They made this whole process (which can be overwhelming) very seamless and were speaking to us at each step of the way, explaining everything, setting expectations and constantly communicating with the seller agent to get any questions answered or items addressed. I had numerous questions throughout the process but they took the time to explain everything in detail ie: home prices, comps, area info, pointing out items we should consider when buying a home such as ( Schools, home value appreciation, pros and cons of one area vs another etc) as well as things to look at in detail inside the home to ensure it is a win win situation for us and we feel happy going into the home. I've worked with other agents in the past and usually once the home is closed the agents move onto other clients but not with Roland and Lydia. They are true believers in building relationships and community. They were checking in constantly post our close and post our move to ensure everything was good and if there was support they could provide from their end. They have also have an amazing team which includes home financing, home remodel and everything else that falls in the home domain and their team is very price competitive while providing quality care and craftsmanship. This is a one stop shop for an amazing home buying/ selling or remodeling experience. I would highlight recommend Roland and Lydia as the BEST and most Reliable real estate agents to consider when buying or selling your home.

mkadkison

Little did we know what a great choice we made in having Lydia Osage-Smith represent us in the sale of our condo. A solutions-minded and friendly professional, Lydia kept the momentum on task every step of the way while offering tips, insights and profitable suggestions such as canvassing nearby neighborhoods for potential buyers, professional multi-media marketing, broker tours, on-point staging and a doable open house and showing appointment schedule. Lydia respected our emotional process of preparing our home for market and saying goodbye to the home-base of our fond memories of 20 years there. She gently offered kindness, patience and understanding of our varying needs throughout the process. Lydia made us feel like we were the only client she had and she gave us her undivided attention at any time of the day or evening. She even vacuumed for us before an open house!What qualities await your partnership with Lydia? Charm, brilliance, creativity, energy, tenacity, thoughtfulness, vast technical real estate skills, generosity, humility and a grateful attitude.
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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