Mortgage payment calculator

See what a home could cost each month, including the property tax, insurance, HOA dues, and Mello-Roos that many online calculators leave out.

The loan

Home price

Down payment

Interest rate

Use the rate from your lender quote.

Loan term

Ongoing costs

Property tax rate

California’s base rate is 1%, plus local assessments. Check the home’s tax bill.

Mello-Roos and special assessments

Common in newer neighborhoods. Listed on the tax bill.

Homeowners insurance

HOA dues

Mortgage insurance rate

Applied only when the down payment is under 20%.

This is an estimate for planning only, not a loan offer. It leaves out closing costs, and actual taxes, insurance, and mortgage insurance vary by property, lender, and credit.

Estimated monthly payment

Enter a rate

Principal and interest: –
Property tax: –
Mello-Roos: –
Insurance: –
HOA dues: –
Mortgage insurance: –

Loan amount: –
Down payment: –

Want numbers you can count on?

Ashley can walk you through these costs and introduce you to trusted local lenders for a real quote.

Call or text 916-335-4203 Email ashleystonehomes@gmail.com