Mortgage calculator

Can You Afford Your
Bay Area Dream Home?

Estimate your monthly mortgage payment instantly. Then call Nita to discuss your real buying power.

$400K$1,000,000$3M
5%20% — $200,00050%
4%6.5%9%
15 yr30 years30 yr
Estimated Monthly Payment
$5,054
principal + interest
$800K
Loan Amount
$1.02M
Total Interest
$1.82M
Total Cost

These estimates are for principal and interest only. Your actual payment will also include property taxes (~1.1% in CA), homeowner's insurance (~0.5%), and possibly HOA fees.

Discuss your budget with Nita

Understanding your payment

What's really in your
monthly payment (PITI).

Want a real number,
not just an estimate?

Nita can connect you with a trusted lender to get pre-approved.

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Common questions

Frequently asked
questions.

It gives a solid estimate of principal and interest based on the numbers you enter, but your actual payment will also include property taxes, insurance, and possibly HOA fees. A lender can give you an exact figure based on your credit and finances.

Typically yes, on conventional loans — private mortgage insurance (PMI) protects the lender until you reach 20% equity. It's usually a small monthly add-on, and some loan programs handle it differently.

Rates vary by lender, loan type, and your credit profile. Use the slider to explore different scenarios, then get a personalized rate quote from a lender before making decisions.