Mortgage Calculator

Estimate your monthly payments and compare different loan options

Select Loan Type
Choose the loan program that fits your needs
Loan Details
%
Payment Breakdown
Principal & Interest$3792/mo
PMI$250/mo
Property Taxes$750/mo
Home Insurance$125/mo
Estimated Monthly Payment

$4917

per month

Loan Summary
Loan Amount$600,000
Down Payment$150,000
Loan Term30 years
Total Interest$765,267
Total Cash Needed$150,000

Ready to Get Pre-Qualified?

Connect with our loan officer for personalized assistance

This calculator provides estimates only. Actual rates, payments, and terms may vary. Contact us for personalized quotes and current rates.

Scenario Comparison

Compare up to 4 loan scenarios side by side

Monthly Payment Comparison

Scenario 1
$3792/mo

Total interest: $765,267

Scenario 2
$3792/mo

Total interest: $765,267

First-Time Homebuyer Special

FHA 203(k) Renovation Loan

Purchase and renovate 1-4 unit properties with a single loan

What is FHA 203(k)?

The FHA 203(k) loan allows first-time homebuyers and investors to finance both the purchase price and renovation costs with a single mortgage.

Perfect for fixer-uppers and distressed properties

Covers structural repairs, modernization, and cosmetic updates

Available for 1-4 unit properties (live in one, rent the others)

Only 3.5% down payment required

2026 FHA Loan Limits
Single-Family (1 unit)$1,209,750

Bay Area high-cost area limit

2-Unit Property$1,548,450

Live in one, rent the other

3-Unit Property$1,871,800

Multi-family investment

4-Unit Property$2,326,500

Maximum FHA limit

Limits apply to Santa Clara, San Mateo, San Francisco, and Alameda Counties

3.5%

Minimum Down Payment

1-4

Units Allowed

$2.3M

Max 4-Unit Loan