Mortgage calculator
Estimate your monthly payment — principal, interest, property tax, insurance, and HOA — for any home price. Numbers update as you type.
Monthly payment
$6,098.21
- Principal & interest
- $5,056.54
- Property tax
- $916.67
- Insurance
- $125.00
- HOA
- $0.00
How to read the result
The big number at the top of the result panel is your total monthly out-of-pocket cost: P+I + property tax + insurance + HOA. That's the figure to compare against your budget.
Below it, each line shows how that total breaks down. Principal & interest is the loan repayment itself. Property tax in California runs around 1.0–1.25% of price annually depending on city and assessment. Insurance varies by home type — coastal properties cost more.
The yearly amortization schedule (toggle at the bottom) shows how your equity builds over time. In year one, most of your payment goes to interest; in year 25 of a 30-year loan, almost all of it goes to principal.
What this calculator doesn't include
- • PMI / mortgage insurance (applies if you put less than 20% down on a conventional loan)
- • Mello-Roos (special assessments common in newer OC developments — can add $100–$500/month)
- • Closing costs (one-time, ~1–2% of price for buyers)
- • Maintenance reserves (rule of thumb: 1% of price annually)
Get pre-approved
Numbers look right? The next step is a real pre-approval from a lender. I'll introduce you to lenders I trust in Orange County.