What would the payment be?

Run a scenario for any Southern California address. Conventional, FHA, VA, jumbo, and non-QM, including temporary buydowns. Estimates only — reach out for real numbers.

Property ZIP

Purchase and financing

Purchase price

Down payment

Interest rate (%)

Term

Estimated credit score

Taxes, insurance and dues

Property tax rate (% / yr)

Homeowners insurance ($/yr)

Mello-Roos / CFD ($/mo)

HOA dues ($/mo)

Temporary buydown — often paid by the seller

Structure

A buydown lowers the payment for the first year or two. You still qualify at the full note rate, and the cost is funded at closing.

Estimated cash to close

Down payment-

Lender and third-party fees-

Title, escrow and recording-

Prepaid interest and insurance-

Impound account setup-

Estimated closing costs and prepaids-

Estimated cash to close-

Escrow / impound account

Closing costs are modeled on recent Southern California settlement statements and exclude any seller credit. Your actual costs depend on the lender, title company, escrow company and closing date.

Estimated monthly payment

Principal and interest-

Mortgage insurance-

Property taxes-

Homeowners insurance-

Mello-Roos-

HOA dues-

Total monthly payment-

Loan amount-

Down payment-

Loan to value-

Estimated cash to close-

Mortgage insurance ends-

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A quick conversation gets you an accurate rate quote, a payment you can rely on, and a pre-approval that agents and sellers take seriously.

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Christian Arceo, Mortgage Consultant | NMLS 2137391 | CA-DFPI 2137391 | HomeSmart Home Loans, Corp NMLS 1866349

EQUAL HOUSING OPPORTUNITY This calculator provides estimates for general information only. It is not a Loan Estimate, a pre-approval, a rate lock, a credit decision, or a commitment to lend, and it does not include an APR. Interest rates shown are entered by the user and are not quoted rates. Property taxes, insurance, Mello-Roos or CFD assessments, HOA dues, mortgage insurance, and closing costs are estimates that vary by property, lender, and closing date, and your actual figures will differ. All loans are subject to credit approval, income and asset verification, property appraisal, and program guidelines. Not all applicants will qualify. Terms and programs are subject to change without notice.