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

D'anna Kaufman

From day one, meeting with Roland and Lydia, we knew we were in great hands. Their presentation was thorough, professional, and gave us complete confidence in the process. The weekly phone calls to walk us through each step of preparing our home for sale were seamless, supportive, and incredibly helpful. We were impressed with every aspect of the journey and appreciated how smoothly everything came together to achieve our goal of selling our home. The custom marketing videos they created showcased our home beautifully—we absolutely loved them! We wholeheartedly recommend Roland and Lydia to anyone looking to buy or sell a home. We would gladly refer them to our friends and family and are truly grateful for their expertise, professionalism, and dedication.

DannaKaufman

From day one, meeting with Roland and Lydia, we knew we were in great hands. Their presentation was thorough, professional, and gave us complete confidence in the process. The weekly phone calls to walk us through each step of preparing our home for sale were seamless, supportive, and incredibly helpful.We were impressed with every aspect of the journey and appreciated how smoothly everything came together to achieve our goal of selling our home. The custom marketing videos they created showcased our home beautifully—we absolutely loved them!We wholeheartedly recommend Roland and Lydia to anyone looking to buy or sell a home. We would gladly refer them to our friends and family and are truly grateful for their expertise, professionalism, and dedication.

mathew kuzmik

My wife and I feel incredibly lucky and appreciative to have worked with Roland Osage and his team. As first-time homebuyers, we could not have asked for a better guide through the process. Roland was patient, attentive, enthusiastic, and consistently clear in his communication, helping us understand each step while also giving us thoughtful, professional feedback when we needed it most. He listened carefully to our needs and wants, and struck the perfect balance throughout the process; everything felt completely catered to who we are and what we were looking for. We toured many, many houses on this journey, and every home Roland personally selected made me think, “Man, this guy really gets us.” We attribute all of the success we had in finding a great home to his guidance, judgment, and support. I could keep going, but I’ll just say this: I enjoyed the collaboration so much that I want to buy another house just to keep working with him.
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.

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