The payment calculators on this site produce illustrative estimates based on the inputs shown (purchase price, down payment, interest rate, term, and loan program) and on general assumptions. They do not constitute an approval, denial, commitment, guarantee, or offer of credit on any particular terms. Any loan is subject to a complete application, verification of information, satisfactory appraisal, title, credit and income review, and final underwriting approval, and is subject to program guidelines in effect at the time of closing.
Interest rates and loan terms are illustrative, are not guaranteed, and are subject to change at any time without notice. A rate is not locked or available to you unless and until you have a written rate-lock agreement. The percentage shown in the calculator is an interest rate, not an Annual Percentage Rate (APR); APR reflects certain costs of credit and will differ from the interest rate. Rates referenced from third-party indices (e.g., Freddie Mac PMMS via FRED) are averages and may not reflect a rate available to you.
Your actual interest rate, monthly payment, qualifying loan amount, costs, and eligibility for any program depend on a number of factors, which include but are not limited to:
Property taxes are estimated using a general ad-valorem rate (approximately 1.1% of value, after the standard homeowner’s exemption where shown) and may differ from the amount the county assessor ultimately bills, including supplemental taxes. Many communities also carry Mello-Roos / special assessments (CFDs) that are not reflected in the base estimate. Homeowners (hazard), flood, and other insurance amounts are estimates that vary by carrier, coverage, and property and are not quotes. HOA dues, where shown, are taken from listing data and may be incomplete or out of date.
Mortgage insurance figures are estimates. Private mortgage insurance (PMI) on conventional loans depends on credit score, LTV, coverage, and the MI provider; the rates shown are illustrative at an assumed credit profile and are not a quote. FHA mortgage insurance premiums (UFMIP and annual MIP) are estimated per HUD Mortgagee Letter 2023-05 and are subject to change by HUD. VA funding fees are estimated per the U.S. Department of Veterans Affairs schedule; eligibility, first-time-use status, and exemptions (including for service-connected disability) materially affect the fee and must be confirmed by VA.
Conforming and FHA loan limits are set by county and are updated annually by the Federal Housing Finance Agency (FHFA) and HUD. A loan amount above the applicable county limit is generally a “jumbo” loan with different rates, credit, reserve, and qualification requirements, and a purchase price may exceed the maximum loan amount available under a given program. Any loan-limit warning shown by a calculator is informational and based on stored figures that may not reflect the most current published limits; confirm current limits with your loan originator and at the official HUD lookup (entp.hud.gov) and FHFA/Fannie Mae sources.
We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act. It is illegal to discriminate against any person because of race, color, religion, sex, handicap, familial status, national origin, or other protected class. Credit and insurance products are offered on an Equal Housing Opportunity / Equal Housing Lender basis.
The information and tools on this site are general in nature and are not legal, tax, accounting, or personalized financial advice. You should consult your own licensed professionals regarding your specific situation before making a decision.
Real estate brokerage and mortgage services are offered only where the broker is properly licensed. Listing data is provided courtesy of the California Regional Multiple Listing Service (CRMLS) via Trestle/CoreLogic, is deemed reliable but not guaranteed, and is for consumers’ personal, non-commercial use. Information should be independently verified.
John Abril, California Real Estate Broker — DRE License #01060119 | NMLS ID #280222. Real Estate and Lending, Simplified™, DBA BirdEye Loans, Co. NMLS #2827760, CA DRE #02439951. BirdEye Loans, Inc., Co. NMLS #1846010, CA DRE #01527337 (through 09/13/2026). Brokered by Real Brokerage Technologies, Inc. (REAL Brokerage / MAD Realty Co.), CA DRE #02022092. 3200 E Guasti Rd Suite 100, Ontario CA 91761. 909.635.5813.
Equal Housing Opportunity | Equal Housing Lender. Rates and terms subject to change. Not a commitment to lend. All loans subject to credit approval.
Verify any license at the NMLS Consumer Access database: www.nmlsconsumeraccess.org, and the CA DRE at dre.ca.gov.
This page is provided for general information and does not create any agency, lending, or fiduciary relationship. Terms, programs, and figures are subject to change without notice and may not be available in all areas or to all applicants.