Payment Change Calculator
Compare how a change in loan amount, rate, or payment assumption affects your monthly budget.
Mortgage Payment Scenario Calculator
Monthly Mortgage Payment Calculator
Estimate the monthly payment for a home purchase scenario including principal, interest, property taxes, and homeowners insurance.
Enter Your Mortgage Scenario
Property taxes default to 1.25% of the purchase price divided by 12. Homeowners insurance defaults to .35% of the purchase price divided by 12. You can override either number.
Purchase Details
Loan Terms
Taxes & Insurance
Estimated Monthly Payment
This estimate shows principal and interest plus monthly property taxes and homeowners insurance. It does not include mortgage insurance, HOA dues, supplemental assessments, or other housing costs.
Principal & Interest
$4,151
Monthly Property Taxes
$833
Monthly Insurance
$233
Estimated Total Payment
$5,218
Quick read: your total estimated monthly payment is $5,218. The payment is based on a loan amount of $640,000, plus estimated taxes and insurance.
Payment Breakdown
Purchase price$800,000
Down payment$160,000
Loan amount$640,000
Interest rate6.75%
Loan term30 years
Taxes & Insurance Assumptions
Annual property taxes$10,000
Annual homeowners insurance$2,800
Tax rate used1.25%
Insurance rate used0.35%
PITI estimate$5,218
This calculator is for educational purposes only and is not a loan estimate, mortgage approval, commitment to lend, or financial advice. Actual payment may vary based on loan program, credit profile, property type, impounds, mortgage insurance, HOA dues, assessments, lender fees, closing costs, and market conditions.
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Want help running the numbers for your home purchase?
Every buyer’s numbers are different. If you want help comparing payment, down payment, timing, rate strategy, and affordability, call or text and we can look at the real numbers together.
Contact Jason Wheeler at 925-285-2172
This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker #01821025; NMLS# 135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender.
Website Disclaimer: The services referred to herein are not available to persons located outside the state of California. As a broker, C2 Financial Corporation is NOT approved by the FHA or HUD, but C2 Financial Corporation is allowed to originate FHA loans based on their relationships with FHA approved lenders. Jason Wheeler NMLS: 242672 | DRE: 01458438 (MLO). C2 Financial Corporation | NMLS #135622. 10509 Vista Sorrento Pkwy #400, San Diego, CA 92121. Privacy Policy.