Payment & affordability calculator

See the full monthly payment on a Southern California home — principal & interest, property tax, insurance, PMI and HOA — then find out how much home you can afford. Buy with us and get up to 2% cash back at closing.

Buyer tools

Estimate your monthly payment

Home price

Down payment — 20% ($170,000)

Interest rate — 6.75%

Loan term

Property tax rate (%/yr)

Homeowners insurance ($/yr)

HOA dues ($/mo)

Principal & interest · $680,000 loan$4,410

Property tax$779

Homeowners insurance$250

Estimated total / month$5,440

Estimate only — not a loan offer or approval. A lender will verify income, credit and debts. Confirm current rates and taxes with a licensed lender.

Buyer tools

How much home can you afford?

Annual household income

Monthly debts (cars, cards, loans)

Cash for down payment

Interest rate %

HOA ($/mo)

Comfort level

You could afford a home up to

$804,000

~$5,750/mo · $684,000 loan · 15% down · incl. PMI

Estimate only, based on a 43% debt-to-income target and typical tax/insurance. Not a pre-approval — a lender verifies income, credit and debts. Confirm with a licensed lender.

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