Mortgage Calculator

Calculate your monthly mortgage payment with state-specific interest rates. Includes principal, interest, taxes, insurance, and HOA fees.

Loan Details

Home Price$400,000

Down Payment (20.0%)$80,000

State

Loan Term

Interest Rate (Auto-applied for CA)6.95%

Additional Costs (Optional)

Property Tax Rate (Auto-applied for CA)1.20%

Home Insurance (Annual)$1,200/year

HOA Fees (Monthly)$0/month

Monthly Payment

$2,618

Principal & Interest$2,118

Property Tax$400

Home Insurance$100

Loan Amount

$320,000

Total Interest Paid

$442,564

Total Cost

$842,564

Includes down payment, interest, and loan amount

About This Calculator

This mortgage calculator provides estimates based on the information you enter. Interest rates are approximate for CA as of January 2025 and may vary by lender, credit score, and market conditions. Property tax rates and insurance costs are estimates. For accurate quotes, consult with mortgage lenders and insurance providers.