mortgage calculations, made simple
California Mortgage Calculator Center
Our California Mortgage Calculator Center provides homebuyers and homeowners with a complete set of tools to estimate monthly payments, affordability, refinance savings, and cash-out options. Each calculator is designed to reflect California-specific factors, such as property taxes, insurance, loan limits, and mortgage programs.
Whether you’re buying a home, refinancing, accessing home equity, or comparing mortgage strategies, these calculators provide clear estimates using common California mortgage assumptions. Each tool is built to be easy to use, mobile-friendly, and updated instantly as you change inputs.
Use the sections below to find the calculator that best fits your situation.
Questions? Contact KevinStart Here: Choose the Right California Mortgage Calculator
Each calculator uses common California mortgage assumptions and updates instantly as you change inputs. Pick your goal, and we’ll route you to the right tool.
buying a home
Best for first-time buyers and anyone planning a purchase.
- Purchase Mortgage Calculator
- Affordability Calculator
- Rent vs Buy Calculator
refinancing a mortgage
Best for current homeowners reviewing their refinance options.
- Refinance Mortgage Calculator
- Cash-Out Refinance Calculator
- Refinance Breakeven Calculator
Government Loan Options
Best for eligible FHA, VA, and USDA borrowers.
- FHA Mortgage Calculator
- VA Mortgage Calculator
- USDA Mortgage Calculator
Comparing loan options
Best if you’re deciding between programs.
- Conventional vs FHA Calculator
- Conventional vs VA Calculator
- FHA vs VA Calculator
Purchase and Affordability Calculators
Tools for homebuyers estimating monthly payments, affordability, and purchase scenarios.
Purchase Mortgage Calculator
Affordability Calculator
Refinance and Home Equity Calculators
Tools for homeowners considering refinancing their current mortgage or accessing home equity.
Refinance Mortgage Calculator
Cash-Out Refinance Calculator
Government-Backed Mortgage Calculators
Tools for homeowners considering an FHA, VA, or USDA mortgage that is backed by the United States Government.
FHA Mortgage Calculator
VA Mortgage Calculator
Comparison and Strategy Calculators
Tools designed to help compare mortgage options and strategies.
Conventional vs FHA Calculator
Conventional vs. VA Calculator
How To Use These Calculators
These calculators are designed to provide estimates, not exact loan quotes. Results update instantly as you change inputs, allowing you to explore different scenarios and understand how variables like interest rates, down payments, and loan terms impact your monthly payment and long-term costs.
User input fields for purchase-related calculators
- Purchase price
- Down payment
- Interest rate
- Term
- Property taxes
- Property insurance
- HOA
- PMI (if applicable)
User input fields for refinance-related calculators
- Estimated value
- loan balance
- Current loan balance
- Current interest rate
- Remaining years of the current loan
- New interest rate
- New loan balance
- Term
- Property taxes
- Property insurance
- HOA
- PMI (if applicable)
The user input fields for both purchase and refinance-related calculators are user-friendly and responsive.
Purchase related calculator results data
- Loan amount
- Down payment amount
- Loan-To-Value ratio (LTV)
- Current interest rate
- Total monthly payment
- Principal and interest payment
- Property taxes
- Property insurance
- HOA (if applicable)
- PMI (if applicable)
And below each set of results are additional fields that include benefits and notes.
Refinance-related calculator results data
- New total loan balance
- LTV
- Monthly savings
- Total monthly mortgage payment
- Principal & interest payment
- Taxes
- Insurance
- HOA (if applicable)
- PMI (if applicable)
Like the refinance calculators, the purchase calculators also include fields for benefits and notes (below the results section).
For best results, start with the calculator that matches your current goal: buying, refinancing, or comparing options, and then explore related tools for deeper insight.
Important Assumptions and Limitations
All calculators use standard mortgage formulas and common California assumptions. They do not account for future industry changes, lender-specific pricing, credit score adjustments, or real-time rate locks. Property taxes, insurance, and HOA fees may vary by location.
California Mortgage Finder’s calculators are for illustrative and informational purposes. They are not mortgage, tax, investment, or financial advice. They do not provide quotes, and they are not a guarantee of lending. Please consult a licensed, qualified professional before making any financial decisions. If you want to explore homebuying rates and costs or refinancing options, please contact us directly to discuss.
For personalized loan terms or official quotes, consult a licensed mortgage professional.
California Mortgage Finder
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Frequently Asked Questions
California Mortgage Calculator Center FAQs.
What does a California mortgage calculator show?
A California mortgage calculator estimates your monthly mortgage payment and related costs using common California assumptions.
Depending on the tool, results may include principal and interest, property taxes, homeowners insurance, mortgage insurance (PMI or MIP), HOA dues, and upfront or ongoing loan fees.
These calculators are designed to help you plan and compare scenarios, not replace a loan officer’s official quote.
How accurate are these mortgage calculator results?
These calculators provide solid estimates, but they are not loan offers. Accuracy depends on how closely your inputs match real-world factors such as:
- Property tax rate and insurance costs
- Credit score and loan pricing
- County loan limits and program rules
They’re best used to compare options, budgets, and strategies before speaking with a lender.
Do these calculators include California property taxes and insurance?
Yes. The calculators are built with California-specific assumptions, and many allow you to enter or adjust:
- Estimated property taxes
- Homeowners insurance
- HOA dues (if applicable)
Because property taxes and insurance vary widely by county and home type, you should update these fields whenever possible for the most realistic estimate.
Which mortgage calculator should I use first?
That depends on your situation:
- Buying a home: Start with the Affordability Calculator, then use the Purchase Mortgage Calculator
- Refinancing: Use the Refinance Mortgage Calculator or Cash-Out Refinance Calculator
- Using FHA, VA, or USDA: Start with the appropriate Government Mortgage Calculator
- Comparing programs: Use one of the loan comparison calculators (Conventional vs FHA, VA, etc.)
If you’re early in the process, affordability is usually the best starting point.
What’s the difference between the refinance and cash-out refinance calculators?
A standard refinance calculator estimates savings when replacing your current loan with a new one, usually to lower your rate, payment, or term.
A cash-out refinance calculator estimates how much home equity you could convert to cash, how it affects your loan balance, and what your new monthly payment might look like.
They serve different goals, even though both involve refinancing.
Are FHA, VA, and USDA mortgage calculators different from conventional ones?
Yes. Government loan programs follow different rules, which affect payments:
- FHA loans include upfront and annual mortgage insurance (MIP)
- VA loans may include a VA funding fee and often require no down payment
- USDA loans include upfront and annual guarantee fees and income/location considerations
Using the correct calculator ensures those program-specific costs are reflected.
Can I rely on these calculators before talking to a loan officer?
Absolutely! These calculators help you:
- Set realistic expectations
- Compare loan strategies
- Understand trade-offs before applying
Once you’re comfortable with the numbers, a lloan officer can fine-tune the details and provide official pricing.
Why use these calculators instead of a national mortgage calculator?
Most national calculators use generic assumptions. These tools are designed specifically for California homebuyers and homeowners, with support for:
- Higher home prices
- County-based loan limits
- Common California tax and insurance patterns
- FHA, VA, and USDA programs frequently used in the state
That makes the estimates more relevant for homebuyers and homeowners living in California.
Should I talk to someone if my numbers look close?
Yes. If your estimate looks close to your budget or if you’re comparing multiple strategies, it’s a good idea to review the numbers with a loan officer. Small changes in taxes, insurance, or loan structure can make a big difference.
That’s why support is available if you have questions.
These calculators are designed to simplify complex mortgage decisions so you can move forward with clarity and confidence.