Mortgage calculator
Estimate your full monthly house payment
Most online calculators stop at principal and interest. In the Inland Empire, property taxes, insurance, HOA dues and Mello-Roos special taxes can add hundreds of dollars a month. Enter the numbers from your lender and the home you like to see the whole picture.
- You enter your own rate: we never show or suggest one
- Includes Mello-Roos, HOA and mortgage insurance
- Free, no sign-up, works on your phone
Calculate your payment
Results update as you type. Nothing you enter is saved or sent anywhere.
Your estimated monthly payment
Enter the home price and the interest rate your lender quoted to see your estimate.
Total monthly estimate
. Estimate only, not a loan offer.
- Principal & interest
- Property taxes
- Homeowners insurance
- HOA dues
- Mello-Roos / special taxes
- Mortgage insurance
- Loan amount
- Down payment
Estimates use the numbers you enter and the standard amortization formula. They are not a loan offer, rate quote or approval. Jorge Viteri is a real estate agent, not a lender: talk to a licensed mortgage lender for your actual rate and payment.
Income needed at a debt-to-income ratio you choose
Debt-to-income (DTI) is your monthly debt payments, including this housing payment, divided by your gross monthly income (before taxes). Lenders and loan programs set different limits, so pick the ratio you want to test.
Car loans, credit card minimums, student loans and similar.
Complete the payment estimate above, then enter a DTI percentage.
What goes into a monthly house payment
Your lender will look at the full payment, not just the loan. Here is what each line in the calculator means.
Principal and interest
The loan payment itself, set by the loan amount, your interest rate and the term. On a fixed-rate loan it stays the same every month; in the early years, most of it goes to interest.
Property taxes
California’s base rate is 1% of the assessed value under Proposition 13, plus voter-approved bond rates that vary by area. A home is reassessed when it sells, so your bill is based on your price, not the seller’s old value. You may also get one or two supplemental tax bills after closing, and they aren’t paid from your lender’s impound account.
Homeowners insurance
Lenders require it, and premiums vary widely by home and location, so get a quote early. If you can’t find coverage in the regular market, the California FAIR Plan is the state’s last-resort option. It covers fewer risks, so the Department of Insurance suggests considering a separate difference-in-conditions (DIC) policy.
HOA dues
Common in condos, townhomes and planned communities. Dues pay for shared areas and services, can rise over time, and special assessments are possible. On a resale, the seller must give you the HOA’s governing documents, budget and a statement of current dues and assessments.
Mello-Roos and special taxes
A special tax from a Community Facilities District (CFD), approved by a two-thirds vote, that pays for public facilities such as schools and parks, often in newer developments. It’s based on the land, not the home’s value, is charged in addition to the 1% rate and is usually collected on the county property tax bill.
Mortgage insurance
Conventional loans with less than 20% down usually require private mortgage insurance (PMI), typically paid monthly. FHA loans always require mortgage insurance, with an upfront premium and a monthly one. On most conventional loans, you can ask to cancel PMI once your balance is scheduled to reach 80% of the home’s original value.
Last verified: October 2026. Sources include the California State Board of Equalization, the California Department of Real Estate, the California Department of Insurance and the Consumer Financial Protection Bureau.
New construction
Buying a newer home in the Inland Empire? Check Mello-Roos and HOA first
Mello-Roos districts are often formed to pay for the public facilities new development needs, so special taxes show up most often in newer communities, and a newer home may have HOA dues too. Two homes at the same price can have very different monthly costs. Before you write an offer:
- Ask for the current property tax bill. Special taxes are usually listed on it, separate from the 1% base rate.
- On a resale, the seller of a one-to-four-unit home must make a good-faith effort to get the district’s Notice of Special Tax and give it to you.
- Buying from a builder? Read the Department of Real Estate public report, which the builder must give you before you commit to buy. It covers HOA costs and assessments.
- Ask how much the special tax can increase each year and the year it ends.
- Review the HOA budget and reserve study, and ask about any approved dues increases or special assessments.
Jorge can help you get the tax bill and HOA details for any home you’re considering, so your estimate uses real numbers instead of guesses.
Last verified: October 2026.
Next steps
Ready for real numbers?
- Shopping for a home?Jorge helps you compare the true monthly cost of each home, including taxes, HOA and Mello-Roos.
- Buying your first home?Learn about low down payment loans and California down payment assistance programs.
- Buying with an ITIN?See how ITIN loans work if you don’t have a Social Security number.
Jorge is not a lender
This calculator gives estimates only. It is not a loan offer, a rate quote or a decision about whether you qualify. For your actual rate, payment and costs, compare Loan Estimates from licensed mortgage lenders. You can check a loan officer’s license for free on NMLS Consumer Access.
Get real numbers on a home
Tell Jorge what you’re looking for. He’ll gather tax, HOA and Mello-Roos details for the homes you like and can introduce lenders you can compare.
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FAQ
Frequently asked questions
How accurate is this mortgage calculator?
It uses the standard amortization formula and only the numbers you enter, so it’s as accurate as those numbers. It’s an estimate, not a loan offer, and it can’t tell you whether you qualify. After you apply, your lender must give you a Loan Estimate within three business days showing the estimated rate, monthly payment and closing costs. Compare it with your estimate here. Last verified: October 2026.
Why doesn’t the calculator fill in an interest rate?
Because a rate only means something when a lender quotes it for you. Rates change often and depend on your credit, down payment, loan type, loan amount and more, so a sample rate could make a payment look better or worse than it really is. Get quotes from two or three licensed lenders and enter the rate you’re actually offered.
What property tax rate should I use for a home in California?
Start with 1%, the base rate under Proposition 13, then add the voter-approved bond rates for that area, which vary within each county. The home’s current tax bill shows its total rate. Because a home is reassessed when it sells, apply that rate to your purchase price. Special taxes like Mello-Roos are separate, so enter them on their own line. Last verified: October 2026.
What is Mello-Roos, and how do I find out what a home pays?
Mello-Roos is a special tax charged by a Community Facilities District to pay for public facilities. It’s based on the land rather than the home’s value and is usually collected on the county property tax bill, so start with the current bill. On a resale of a one-to-four-unit home, the seller must make a good-faith effort to give you the district’s Notice of Special Tax. Ask how much it can rise each year and when it ends. Last verified: October 2026.
When can I stop paying mortgage insurance?
On most conventional loans, you can ask your servicer to cancel PMI when your balance is scheduled to reach 80% of the home’s original value, and it must end automatically when the balance is scheduled to reach 78% if you’re current on payments. FHA and VA loans follow different rules, so ask your servicer how they apply to your loan. Last verified: October 2026.
Ready to make your next move?
Talk to Jorge directly — no call centers, no pressure. 20+ years of experience, in English or Spanish.