Buy and finance

Mortgage calculator and loan types

See your full monthly payment with San Diego property tax, insurance, PMI and HOA, plus how much equity you build.

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Run the numbers

Monthly payment

Mortgage calculator

Home price ($)

Down payment (%)

Interest rate (%)

Loan term (years)

Property tax rate (%)

Homeowners insurance ($/yr)

HOA ($/mo)

PMI or MIP (%/yr)

VA loan (no PMI)

Estimates only. Your rate depends on credit, loan type and points. Property tax in California is about 1% of the purchase price plus local bonds.

Loan amount

Principal and interest

Property tax

Insurance

PMI / MIP

HOA

Total monthly payment

Total interest over the loan

Income needed at a 43% debt ratio (no other debt)

When	Loan balance	Equity if value grows 3%/yr

Options

Loan types

Conventional

3% to 20% down
PMI below 20% down; it comes off at 78% loan-to-value
Best for good credit

FHA

3.5% down with 580+ credit
Mortgage insurance (MIP) for most of the loan
Flexible credit

VA

0% down for eligible veterans and service members
No PMI
Funding fee waived for veterans with a service-connected disability rating

CalHFA

California first-time buyer programs
Down payment and closing cost help
Income limits apply

Jumbo

Above the conforming loan limit
Common in coastal San Diego
Higher credit and reserves

Investor / DSCR

Qualifies on the rental income
20% to 25% down
For rentals and ADUs

HELOC / cash-out refi

Borrow against equity
ADU builds, repairs, debt payoff

Reverse mortgage (HECM)

Age 62+
No monthly payment; loan due when the last borrower leaves
See how it affects heirs and trusts on our estate page

Buying or selling?

Talk to a broker

We help San Diego buyers, sellers and investors with pricing, offers, rentals and ADU properties.

David Thomas Mejia, Broker · CA DRE #01448424

We are a real estate brokerage, not a lender. Loan terms come from your lender.