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Homebuyer Calculator

Full PITI payment for FHA, VA, Conventional, Jumbo, NonQM and DSCR loans with amortization.

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Homebuyer Calculator

Complete PITI payment for FHA, VA, Conventional, Jumbo, NonQM, and DSCR loans with amortization and term comparison.

Bay Area avg 1.1-1.4%

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These figures are estimates. For exact numbers on your scenario, send your info and Bilal will follow up the same business day — no credit pull, no obligation.

CA DRE #01480904 · NMLS #300923 · No credit pull to start

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How to Estimate Your Real Monthly Payment

Your mortgage payment is more than principal and interest. In California, property taxes (generally about 1% of the purchase price plus local assessments, and Mello-Roos in many newer communities), homeowners insurance, HOA dues and mortgage insurance can add hundreds or thousands of dollars a month.

Use this calculator to see your full monthly payment (often called PITI) before you shop, so you can set a comfortable budget.

How to Use It
  1. Enter the home price and your down payment
  2. Enter an interest rate and loan term
  3. Add property taxes, insurance and any HOA dues
  4. Review the full payment breakdown
Related

Frequently Asked Questions

What is PITI?
Principal, interest, taxes and insurance — the four main parts of a monthly mortgage payment. HOA dues and mortgage insurance are added on top when they apply.
Do I need mortgage insurance?
Conventional loans with less than 20% down usually require private mortgage insurance (PMI). FHA loans carry their own mortgage insurance premium. VA loans have no monthly mortgage insurance.
Why might my actual payment be different?
Your final rate, escrow requirements and taxes set at purchase all affect the payment. California also issues a supplemental property tax bill after you buy, which is worth planning for.
Want Your Exact Numbers?

Calculators give estimates. A licensed broker can show your real rate and the programs you qualify for — no credit pull to start.

Get My Personalized Quote → or call 510-786-8739

Results are estimates for illustration only and are not a loan approval or commitment to lend. SI MTG · CA DRE #01480904 · NMLS #300923.

MIA — Mortgage Intelligence Assistant
Online · SI MTG Team
Hi! I'm MIA, your SI MTG mortgage assistant. I can help you find the right loan program, explain rates, or get you started. What can I help you with today?
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SI MTG · CA DRE #01480904 · NMLS #300923 · Not financial advice
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