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Compare Today's Home Equity Rates

California Mortgage Calculator

Today's Home Equity Rates
Check Today's Mortgage Rates

California Mortgage Calculator with taxes and insurance, PMI, and extra payments to calculate your monthly mortgage payments with amortization schedule.

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CA Mortgage Calculator

Home Value
$
Down Payment
Mortgage Amount
$
Loan Terms
Interest Rate
PMI (Yearly)
Property Tax (Yearly)
Home Insurance (Yearly)
HOA Fees (Monthly)
Payment Frequency
First Payment Date

Amortization Schedule
Extra Payments
One Time
$ On Date
Monthly or Biweekly
$ Starting Date
Quarterly
$ Starting Date
Yearly
$ Starting Date

California Mortgage Calculator Results

Home Value: $300,000.00
Mortgage Amount: $255,000.00
Monthly Principal & Interest: $1,563.45
Monthly Extra Payment: $0.00
Monthly Property Tax: $250.00
Monthly Home Insurance: $125.00
Monthly PMI: (Until Oct, 2028) $106.25
Monthly HOA Fees: $0.00
Total Monthly Payment:
$2,044.70
Total # Of Payments: 360
Start Date: May, 2024
Payoff Date: Apr, 2054
Down Payment: $45,000.00
Principal: $255,000.00
Total Extra Payment: $0.00
Total Interest Paid: $307,842.35
Total Tax, Insurance, PMI and Fees: $140,737.50
Total of all Payments:
$748,579.85

California Mortgage Amortization Schedule

Date Payment # Interest Principal Tax, Insurance, PMI & Fees Total Payment Balance
May, 2024 1 $1,319.63 $243.83 $481.25 $2,044.70 $254,756.17
Jun, 2024 2 $1,318.36 $245.09 $481.25 $2,044.70 $254,511.09
Jul, 2024 3 $1,317.09 $246.36 $481.25 $2,044.70 $254,264.73
Aug, 2024 4 $1,315.82 $247.63 $481.25 $2,044.70 $254,017.10
Sep, 2024 5 $1,314.54 $248.91 $481.25 $2,044.70 $253,768.19
Oct, 2024 6 $1,313.25 $250.20 $481.25 $2,044.70 $253,517.99
Nov, 2024 7 $1,311.96 $251.50 $481.25 $2,044.70 $253,266.49
Dec, 2024 8 $1,310.65 $252.80 $481.25 $2,044.70 $253,013.69
Jan, 2025 9 $1,309.35 $254.11 $481.25 $2,044.70 $252,759.59
Feb, 2025 10 $1,308.03 $255.42 $481.25 $2,044.70 $252,504.17
Mar, 2025 11 $1,306.71 $256.74 $481.25 $2,044.70 $252,247.43
Apr, 2025 12 $1,305.38 $258.07 $481.25 $2,044.70 $251,989.36
May, 2025 13 $1,304.04 $259.41 $481.25 $2,044.70 $251,729.95
Jun, 2025 14 $1,302.70 $260.75 $481.25 $2,044.70 $251,469.20
Jul, 2025 15 $1,301.35 $262.10 $481.25 $2,044.70 $251,207.10
Aug, 2025 16 $1,300.00 $263.45 $481.25 $2,044.70 $250,943.65
Sep, 2025 17 $1,298.63 $264.82 $481.25 $2,044.70 $250,678.83
Oct, 2025 18 $1,297.26 $266.19 $481.25 $2,044.70 $250,412.64
Nov, 2025 19 $1,295.89 $267.57 $481.25 $2,044.70 $250,145.08
Dec, 2025 20 $1,294.50 $268.95 $481.25 $2,044.70 $249,876.13
Jan, 2026 21 $1,293.11 $270.34 $481.25 $2,044.70 $249,605.79
Feb, 2026 22 $1,291.71 $271.74 $481.25 $2,044.70 $249,334.05
Mar, 2026 23 $1,290.30 $273.15 $481.25 $2,044.70 $249,060.90
Apr, 2026 24 $1,288.89 $274.56 $481.25 $2,044.70 $248,786.34
May, 2026 25 $1,287.47 $275.98 $481.25 $2,044.70 $248,510.36
Jun, 2026 26 $1,286.04 $277.41 $481.25 $2,044.70 $248,232.95
Jul, 2026 27 $1,284.61 $278.85 $481.25 $2,044.70 $247,954.10
Aug, 2026 28 $1,283.16 $280.29 $481.25 $2,044.70 $247,673.81
Sep, 2026 29 $1,281.71 $281.74 $481.25 $2,044.70 $247,392.07
Oct, 2026 30 $1,280.25 $283.20 $481.25 $2,044.70 $247,108.88
Nov, 2026 31 $1,278.79 $284.66 $481.25 $2,044.70 $246,824.21
Dec, 2026 32 $1,277.32 $286.14 $481.25 $2,044.70 $246,538.08
Jan, 2027 33 $1,275.83 $287.62 $481.25 $2,044.70 $246,250.46
Feb, 2027 34 $1,274.35 $289.10 $481.25 $2,044.70 $245,961.36
Mar, 2027 35 $1,272.85 $290.60 $481.25 $2,044.70 $245,670.75
Apr, 2027 36 $1,271.35 $292.10 $481.25 $2,044.70 $245,378.65
May, 2027 37 $1,269.83 $293.62 $481.25 $2,044.70 $245,085.03
Jun, 2027 38 $1,268.32 $295.14 $481.25 $2,044.70 $244,789.90
Jul, 2027 39 $1,266.79 $296.66 $481.25 $2,044.70 $244,493.23
Aug, 2027 40 $1,265.25 $298.20 $481.25 $2,044.70 $244,195.04
Sep, 2027 41 $1,263.71 $299.74 $481.25 $2,044.70 $243,895.29
Oct, 2027 42 $1,262.16 $301.29 $481.25 $2,044.70 $243,594.00
Nov, 2027 43 $1,260.60 $302.85 $481.25 $2,044.70 $243,291.15
Dec, 2027 44 $1,259.03 $304.42 $481.25 $2,044.70 $242,986.73
Jan, 2028 45 $1,257.46 $305.99 $481.25 $2,044.70 $242,680.74
Feb, 2028 46 $1,255.87 $307.58 $481.25 $2,044.70 $242,373.16
Mar, 2028 47 $1,254.28 $309.17 $481.25 $2,044.70 $242,063.99
Apr, 2028 48 $1,252.68 $310.77 $481.25 $2,044.70 $241,753.22
May, 2028 49 $1,251.07 $312.38 $481.25 $2,044.70 $241,440.84
Jun, 2028 50 $1,249.46 $313.99 $481.25 $2,044.70 $241,126.84
Jul, 2028 51 $1,247.83 $315.62 $481.25 $2,044.70 $240,811.23
Aug, 2028 52 $1,246.20 $317.25 $481.25 $2,044.70 $240,493.97
Sep, 2028 53 $1,244.56 $318.89 $481.25 $2,044.70 $240,175.08
Oct, 2028 54 $1,242.91 $320.54 $481.25 $2,044.70 $239,854.53
Nov, 2028 55 $1,241.25 $322.20 $375.00 $1,938.45 $239,532.33
Dec, 2028 56 $1,239.58 $323.87 $375.00 $1,938.45 $239,208.46
Jan, 2029 57 $1,237.90 $325.55 $375.00 $1,938.45 $238,882.91
Feb, 2029 58 $1,236.22 $327.23 $375.00 $1,938.45 $238,555.68
Mar, 2029 59 $1,234.53 $328.93 $375.00 $1,938.45 $238,226.75
Apr, 2029 60 $1,232.82 $330.63 $375.00 $1,938.45 $237,896.13
May, 2029 61 $1,231.11 $332.34 $375.00 $1,938.45 $237,563.79
Jun, 2029 62 $1,229.39 $334.06 $375.00 $1,938.45 $237,229.73
Jul, 2029 63 $1,227.66 $335.79 $375.00 $1,938.45 $236,893.94
Aug, 2029 64 $1,225.93 $337.52 $375.00 $1,938.45 $236,556.42
Sep, 2029 65 $1,224.18 $339.27 $375.00 $1,938.45 $236,217.15
Oct, 2029 66 $1,222.42 $341.03 $375.00 $1,938.45 $235,876.12
Nov, 2029 67 $1,220.66 $342.79 $375.00 $1,938.45 $235,533.33
Dec, 2029 68 $1,218.88 $344.57 $375.00 $1,938.45 $235,188.76
Jan, 2030 69 $1,217.10 $346.35 $375.00 $1,938.45 $234,842.41
Feb, 2030 70 $1,215.31 $348.14 $375.00 $1,938.45 $234,494.27
Mar, 2030 71 $1,213.51 $349.94 $375.00 $1,938.45 $234,144.33
Apr, 2030 72 $1,211.70 $351.75 $375.00 $1,938.45 $233,792.57
May, 2030 73 $1,209.88 $353.57 $375.00 $1,938.45 $233,439.00
Jun, 2030 74 $1,208.05 $355.40 $375.00 $1,938.45 $233,083.59
Jul, 2030 75 $1,206.21 $357.24 $375.00 $1,938.45 $232,726.35
Aug, 2030 76 $1,204.36 $359.09 $375.00 $1,938.45 $232,367.26
Sep, 2030 77 $1,202.50 $360.95 $375.00 $1,938.45 $232,006.31
Oct, 2030 78 $1,200.63 $362.82 $375.00 $1,938.45 $231,643.49
Nov, 2030 79 $1,198.76 $364.70 $375.00 $1,938.45 $231,278.79
Dec, 2030 80 $1,196.87 $366.58 $375.00 $1,938.45 $230,912.21
Jan, 2031 81 $1,194.97 $368.48 $375.00 $1,938.45 $230,543.73
Feb, 2031 82 $1,193.06 $370.39 $375.00 $1,938.45 $230,173.34
Mar, 2031 83 $1,191.15 $372.30 $375.00 $1,938.45 $229,801.04
Apr, 2031 84 $1,189.22 $374.23 $375.00 $1,938.45 $229,426.81
May, 2031 85 $1,187.28 $376.17 $375.00 $1,938.45 $229,050.64
Jun, 2031 86 $1,185.34 $378.11 $375.00 $1,938.45 $228,672.53
Jul, 2031 87 $1,183.38 $380.07 $375.00 $1,938.45 $228,292.46
Aug, 2031 88 $1,181.41 $382.04 $375.00 $1,938.45 $227,910.42
Sep, 2031 89 $1,179.44 $384.01 $375.00 $1,938.45 $227,526.40
Oct, 2031 90 $1,177.45 $386.00 $375.00 $1,938.45 $227,140.40
Nov, 2031 91 $1,175.45 $388.00 $375.00 $1,938.45 $226,752.40
Dec, 2031 92 $1,173.44 $390.01 $375.00 $1,938.45 $226,362.40
Jan, 2032 93 $1,171.43 $392.03 $375.00 $1,938.45 $225,970.37
Feb, 2032 94 $1,169.40 $394.05 $375.00 $1,938.45 $225,576.32
Mar, 2032 95 $1,167.36 $396.09 $375.00 $1,938.45 $225,180.22
Apr, 2032 96 $1,165.31 $398.14 $375.00 $1,938.45 $224,782.08
May, 2032 97 $1,163.25 $400.20 $375.00 $1,938.45 $224,381.88
Jun, 2032 98 $1,161.18 $402.27 $375.00 $1,938.45 $223,979.60
Jul, 2032 99 $1,159.09 $404.36 $375.00 $1,938.45 $223,575.24
Aug, 2032 100 $1,157.00 $406.45 $375.00 $1,938.45 $223,168.79
Sep, 2032 101 $1,154.90 $408.55 $375.00 $1,938.45 $222,760.24
Oct, 2032 102 $1,152.78 $410.67 $375.00 $1,938.45 $222,349.58
Nov, 2032 103 $1,150.66 $412.79 $375.00 $1,938.45 $221,936.78
Dec, 2032 104 $1,148.52 $414.93 $375.00 $1,938.45 $221,521.86
Jan, 2033 105 $1,146.38 $417.08 $375.00 $1,938.45 $221,104.78
Feb, 2033 106 $1,144.22 $419.23 $375.00 $1,938.45 $220,685.55
Mar, 2033 107 $1,142.05 $421.40 $375.00 $1,938.45 $220,264.14
Apr, 2033 108 $1,139.87 $423.58 $375.00 $1,938.45 $219,840.56
May, 2033 109 $1,137.67 $425.78 $375.00 $1,938.45 $219,414.78
Jun, 2033 110 $1,135.47 $427.98 $375.00 $1,938.45 $218,986.80
Jul, 2033 111 $1,133.26 $430.19 $375.00 $1,938.45 $218,556.61
Aug, 2033 112 $1,131.03 $432.42 $375.00 $1,938.45 $218,124.19
Sep, 2033 113 $1,128.79 $434.66 $375.00 $1,938.45 $217,689.53
Oct, 2033 114 $1,126.54 $436.91 $375.00 $1,938.45 $217,252.62
Nov, 2033 115 $1,124.28 $439.17 $375.00 $1,938.45 $216,813.45
Dec, 2033 116 $1,122.01 $441.44 $375.00 $1,938.45 $216,372.01
Jan, 2034 117 $1,119.73 $443.73 $375.00 $1,938.45 $215,928.29
Feb, 2034 118 $1,117.43 $446.02 $375.00 $1,938.45 $215,482.27
Mar, 2034 119 $1,115.12 $448.33 $375.00 $1,938.45 $215,033.93
Apr, 2034 120 $1,112.80 $450.65 $375.00 $1,938.45 $214,583.28
May, 2034 121 $1,110.47 $452.98 $375.00 $1,938.45 $214,130.30
Jun, 2034 122 $1,108.12 $455.33 $375.00 $1,938.45 $213,674.98
Jul, 2034 123 $1,105.77 $457.68 $375.00 $1,938.45 $213,217.29
Aug, 2034 124 $1,103.40 $460.05 $375.00 $1,938.45 $212,757.24
Sep, 2034 125 $1,101.02 $462.43 $375.00 $1,938.45 $212,294.81
Oct, 2034 126 $1,098.63 $464.83 $375.00 $1,938.45 $211,829.98
Nov, 2034 127 $1,096.22 $467.23 $375.00 $1,938.45 $211,362.75
Dec, 2034 128 $1,093.80 $469.65 $375.00 $1,938.45 $210,893.10
Jan, 2035 129 $1,091.37 $472.08 $375.00 $1,938.45 $210,421.02
Feb, 2035 130 $1,088.93 $474.52 $375.00 $1,938.45 $209,946.50
Mar, 2035 131 $1,086.47 $476.98 $375.00 $1,938.45 $209,469.52
Apr, 2035 132 $1,084.00 $479.45 $375.00 $1,938.45 $208,990.08
May, 2035 133 $1,081.52 $481.93 $375.00 $1,938.45 $208,508.15
Jun, 2035 134 $1,079.03 $484.42 $375.00 $1,938.45 $208,023.73
Jul, 2035 135 $1,076.52 $486.93 $375.00 $1,938.45 $207,536.80
Aug, 2035 136 $1,074.00 $489.45 $375.00 $1,938.45 $207,047.35
Sep, 2035 137 $1,071.47 $491.98 $375.00 $1,938.45 $206,555.37
Oct, 2035 138 $1,068.92 $494.53 $375.00 $1,938.45 $206,060.85
Nov, 2035 139 $1,066.36 $497.09 $375.00 $1,938.45 $205,563.76
Dec, 2035 140 $1,063.79 $499.66 $375.00 $1,938.45 $205,064.10
Jan, 2036 141 $1,061.21 $502.24 $375.00 $1,938.45 $204,561.86
Feb, 2036 142 $1,058.61 $504.84 $375.00 $1,938.45 $204,057.01
Mar, 2036 143 $1,056.00 $507.46 $375.00 $1,938.45 $203,549.56
Apr, 2036 144 $1,053.37 $510.08 $375.00 $1,938.45 $203,039.48
May, 2036 145 $1,050.73 $512.72 $375.00 $1,938.45 $202,526.75
Jun, 2036 146 $1,048.08 $515.38 $375.00 $1,938.45 $202,011.38
Jul, 2036 147 $1,045.41 $518.04 $375.00 $1,938.45 $201,493.34
Aug, 2036 148 $1,042.73 $520.72 $375.00 $1,938.45 $200,972.61
Sep, 2036 149 $1,040.03 $523.42 $375.00 $1,938.45 $200,449.20
Oct, 2036 150 $1,037.32 $526.13 $375.00 $1,938.45 $199,923.07
Nov, 2036 151 $1,034.60 $528.85 $375.00 $1,938.45 $199,394.22
Dec, 2036 152 $1,031.87 $531.59 $375.00 $1,938.45 $198,862.63
Jan, 2037 153 $1,029.11 $534.34 $375.00 $1,938.45 $198,328.30
Feb, 2037 154 $1,026.35 $537.10 $375.00 $1,938.45 $197,791.20
Mar, 2037 155 $1,023.57 $539.88 $375.00 $1,938.45 $197,251.31
Apr, 2037 156 $1,020.78 $542.68 $375.00 $1,938.45 $196,708.64
May, 2037 157 $1,017.97 $545.48 $375.00 $1,938.45 $196,163.15
Jun, 2037 158 $1,015.14 $548.31 $375.00 $1,938.45 $195,614.85
Jul, 2037 159 $1,012.31 $551.14 $375.00 $1,938.45 $195,063.70
Aug, 2037 160 $1,009.45 $554.00 $375.00 $1,938.45 $194,509.71
Sep, 2037 161 $1,006.59 $556.86 $375.00 $1,938.45 $193,952.84
Oct, 2037 162 $1,003.71 $559.75 $375.00 $1,938.45 $193,393.10
Nov, 2037 163 $1,000.81 $562.64 $375.00 $1,938.45 $192,830.46
Dec, 2037 164 $997.90 $565.55 $375.00 $1,938.45 $192,264.90
Jan, 2038 165 $994.97 $568.48 $375.00 $1,938.45 $191,696.42
Feb, 2038 166 $992.03 $571.42 $375.00 $1,938.45 $191,125.00
Mar, 2038 167 $989.07 $574.38 $375.00 $1,938.45 $190,550.62
Apr, 2038 168 $986.10 $577.35 $375.00 $1,938.45 $189,973.27
May, 2038 169 $983.11 $580.34 $375.00 $1,938.45 $189,392.93
Jun, 2038 170 $980.11 $583.34 $375.00 $1,938.45 $188,809.59
Jul, 2038 171 $977.09 $586.36 $375.00 $1,938.45 $188,223.23
Aug, 2038 172 $974.06 $589.40 $375.00 $1,938.45 $187,633.83
Sep, 2038 173 $971.01 $592.45 $375.00 $1,938.45 $187,041.39
Oct, 2038 174 $967.94 $595.51 $375.00 $1,938.45 $186,445.88
Nov, 2038 175 $964.86 $598.59 $375.00 $1,938.45 $185,847.28
Dec, 2038 176 $961.76 $601.69 $375.00 $1,938.45 $185,245.59
Jan, 2039 177 $958.65 $604.81 $375.00 $1,938.45 $184,640.79
Feb, 2039 178 $955.52 $607.93 $375.00 $1,938.45 $184,032.85
Mar, 2039 179 $952.37 $611.08 $375.00 $1,938.45 $183,421.77
Apr, 2039 180 $949.21 $614.24 $375.00 $1,938.45 $182,807.53
May, 2039 181 $946.03 $617.42 $375.00 $1,938.45 $182,190.10
Jun, 2039 182 $942.83 $620.62 $375.00 $1,938.45 $181,569.49
Jul, 2039 183 $939.62 $623.83 $375.00 $1,938.45 $180,945.66
Aug, 2039 184 $936.39 $627.06 $375.00 $1,938.45 $180,318.60
Sep, 2039 185 $933.15 $630.30 $375.00 $1,938.45 $179,688.30
Oct, 2039 186 $929.89 $633.56 $375.00 $1,938.45 $179,054.73
Nov, 2039 187 $926.61 $636.84 $375.00 $1,938.45 $178,417.89
Dec, 2039 188 $923.31 $640.14 $375.00 $1,938.45 $177,777.75
Jan, 2040 189 $920.00 $643.45 $375.00 $1,938.45 $177,134.30
Feb, 2040 190 $916.67 $646.78 $375.00 $1,938.45 $176,487.52
Mar, 2040 191 $913.32 $650.13 $375.00 $1,938.45 $175,837.39
Apr, 2040 192 $909.96 $653.49 $375.00 $1,938.45 $175,183.90
May, 2040 193 $906.58 $656.87 $375.00 $1,938.45 $174,527.03
Jun, 2040 194 $903.18 $660.27 $375.00 $1,938.45 $173,866.75
Jul, 2040 195 $899.76 $663.69 $375.00 $1,938.45 $173,203.06
Aug, 2040 196 $896.33 $667.13 $375.00 $1,938.45 $172,535.94
Sep, 2040 197 $892.87 $670.58 $375.00 $1,938.45 $171,865.36
Oct, 2040 198 $889.40 $674.05 $375.00 $1,938.45 $171,191.31
Nov, 2040 199 $885.92 $677.54 $375.00 $1,938.45 $170,513.78
Dec, 2040 200 $882.41 $681.04 $375.00 $1,938.45 $169,832.73
Jan, 2041 201 $878.88 $684.57 $375.00 $1,938.45 $169,148.17
Feb, 2041 202 $875.34 $688.11 $375.00 $1,938.45 $168,460.06
Mar, 2041 203 $871.78 $691.67 $375.00 $1,938.45 $167,768.39
Apr, 2041 204 $868.20 $695.25 $375.00 $1,938.45 $167,073.14
May, 2041 205 $864.60 $698.85 $375.00 $1,938.45 $166,374.29
Jun, 2041 206 $860.99 $702.46 $375.00 $1,938.45 $165,671.83
Jul, 2041 207 $857.35 $706.10 $375.00 $1,938.45 $164,965.73
Aug, 2041 208 $853.70 $709.75 $375.00 $1,938.45 $164,255.97
Sep, 2041 209 $850.02 $713.43 $375.00 $1,938.45 $163,542.55
Oct, 2041 210 $846.33 $717.12 $375.00 $1,938.45 $162,825.43
Nov, 2041 211 $842.62 $720.83 $375.00 $1,938.45 $162,104.60
Dec, 2041 212 $838.89 $724.56 $375.00 $1,938.45 $161,380.04
Jan, 2042 213 $835.14 $728.31 $375.00 $1,938.45 $160,651.73
Feb, 2042 214 $831.37 $732.08 $375.00 $1,938.45 $159,919.65
Mar, 2042 215 $827.58 $735.87 $375.00 $1,938.45 $159,183.79
Apr, 2042 216 $823.78 $739.67 $375.00 $1,938.45 $158,444.11
May, 2042 217 $819.95 $743.50 $375.00 $1,938.45 $157,700.61
Jun, 2042 218 $816.10 $747.35 $375.00 $1,938.45 $156,953.26
Jul, 2042 219 $812.23 $751.22 $375.00 $1,938.45 $156,202.04
Aug, 2042 220 $808.35 $755.11 $375.00 $1,938.45 $155,446.93
Sep, 2042 221 $804.44 $759.01 $375.00 $1,938.45 $154,687.92
Oct, 2042 222 $800.51 $762.94 $375.00 $1,938.45 $153,924.98
Nov, 2042 223 $796.56 $766.89 $375.00 $1,938.45 $153,158.09
Dec, 2042 224 $792.59 $770.86 $375.00 $1,938.45 $152,387.23
Jan, 2043 225 $788.60 $774.85 $375.00 $1,938.45 $151,612.39
Feb, 2043 226 $784.59 $778.86 $375.00 $1,938.45 $150,833.53
Mar, 2043 227 $780.56 $782.89 $375.00 $1,938.45 $150,050.64
Apr, 2043 228 $776.51 $786.94 $375.00 $1,938.45 $149,263.70
May, 2043 229 $772.44 $791.01 $375.00 $1,938.45 $148,472.69
Jun, 2043 230 $768.35 $795.10 $375.00 $1,938.45 $147,677.59
Jul, 2043 231 $764.23 $799.22 $375.00 $1,938.45 $146,878.37
Aug, 2043 232 $760.10 $803.36 $375.00 $1,938.45 $146,075.01
Sep, 2043 233 $755.94 $807.51 $375.00 $1,938.45 $145,267.50
Oct, 2043 234 $751.76 $811.69 $375.00 $1,938.45 $144,455.81
Nov, 2043 235 $747.56 $815.89 $375.00 $1,938.45 $143,639.92
Dec, 2043 236 $743.34 $820.11 $375.00 $1,938.45 $142,819.80
Jan, 2044 237 $739.09 $824.36 $375.00 $1,938.45 $141,995.44
Feb, 2044 238 $734.83 $828.62 $375.00 $1,938.45 $141,166.82
Mar, 2044 239 $730.54 $832.91 $375.00 $1,938.45 $140,333.91
Apr, 2044 240 $726.23 $837.22 $375.00 $1,938.45 $139,496.68
May, 2044 241 $721.90 $841.56 $375.00 $1,938.45 $138,655.13
Jun, 2044 242 $717.54 $845.91 $375.00 $1,938.45 $137,809.22
Jul, 2044 243 $713.16 $850.29 $375.00 $1,938.45 $136,958.93
Aug, 2044 244 $708.76 $854.69 $375.00 $1,938.45 $136,104.24
Sep, 2044 245 $704.34 $859.11 $375.00 $1,938.45 $135,245.13
Oct, 2044 246 $699.89 $863.56 $375.00 $1,938.45 $134,381.57
Nov, 2044 247 $695.42 $868.03 $375.00 $1,938.45 $133,513.54
Dec, 2044 248 $690.93 $872.52 $375.00 $1,938.45 $132,641.03
Jan, 2045 249 $686.42 $877.03 $375.00 $1,938.45 $131,763.99
Feb, 2045 250 $681.88 $881.57 $375.00 $1,938.45 $130,882.42
Mar, 2045 251 $677.32 $886.13 $375.00 $1,938.45 $129,996.29
Apr, 2045 252 $672.73 $890.72 $375.00 $1,938.45 $129,105.57
May, 2045 253 $668.12 $895.33 $375.00 $1,938.45 $128,210.24
Jun, 2045 254 $663.49 $899.96 $375.00 $1,938.45 $127,310.27
Jul, 2045 255 $658.83 $904.62 $375.00 $1,938.45 $126,405.65
Aug, 2045 256 $654.15 $909.30 $375.00 $1,938.45 $125,496.35
Sep, 2045 257 $649.44 $914.01 $375.00 $1,938.45 $124,582.34
Oct, 2045 258 $644.71 $918.74 $375.00 $1,938.45 $123,663.61
Nov, 2045 259 $639.96 $923.49 $375.00 $1,938.45 $122,740.11
Dec, 2045 260 $635.18 $928.27 $375.00 $1,938.45 $121,811.84
Jan, 2046 261 $630.38 $933.07 $375.00 $1,938.45 $120,878.77
Feb, 2046 262 $625.55 $937.90 $375.00 $1,938.45 $119,940.86
Mar, 2046 263 $620.69 $942.76 $375.00 $1,938.45 $118,998.11
Apr, 2046 264 $615.82 $947.64 $375.00 $1,938.45 $118,050.47
May, 2046 265 $610.91 $952.54 $375.00 $1,938.45 $117,097.93
Jun, 2046 266 $605.98 $957.47 $375.00 $1,938.45 $116,140.46
Jul, 2046 267 $601.03 $962.42 $375.00 $1,938.45 $115,178.04
Aug, 2046 268 $596.05 $967.40 $375.00 $1,938.45 $114,210.63
Sep, 2046 269 $591.04 $972.41 $375.00 $1,938.45 $113,238.22
Oct, 2046 270 $586.01 $977.44 $375.00 $1,938.45 $112,260.78
Nov, 2046 271 $580.95 $982.50 $375.00 $1,938.45 $111,278.28
Dec, 2046 272 $575.87 $987.59 $375.00 $1,938.45 $110,290.69
Jan, 2047 273 $570.75 $992.70 $375.00 $1,938.45 $109,298.00
Feb, 2047 274 $565.62 $997.83 $375.00 $1,938.45 $108,300.16
Mar, 2047 275 $560.45 $1,003.00 $375.00 $1,938.45 $107,297.16
Apr, 2047 276 $555.26 $1,008.19 $375.00 $1,938.45 $106,288.98
May, 2047 277 $550.05 $1,013.41 $375.00 $1,938.45 $105,275.57
Jun, 2047 278 $544.80 $1,018.65 $375.00 $1,938.45 $104,256.92
Jul, 2047 279 $539.53 $1,023.92 $375.00 $1,938.45 $103,233.00
Aug, 2047 280 $534.23 $1,029.22 $375.00 $1,938.45 $102,203.78
Sep, 2047 281 $528.90 $1,034.55 $375.00 $1,938.45 $101,169.23
Oct, 2047 282 $523.55 $1,039.90 $375.00 $1,938.45 $100,129.33
Nov, 2047 283 $518.17 $1,045.28 $375.00 $1,938.45 $99,084.05
Dec, 2047 284 $512.76 $1,050.69 $375.00 $1,938.45 $98,033.36
Jan, 2048 285 $507.32 $1,056.13 $375.00 $1,938.45 $96,977.23
Feb, 2048 286 $501.86 $1,061.59 $375.00 $1,938.45 $95,915.64
Mar, 2048 287 $496.36 $1,067.09 $375.00 $1,938.45 $94,848.55
Apr, 2048 288 $490.84 $1,072.61 $375.00 $1,938.45 $93,775.94
May, 2048 289 $485.29 $1,078.16 $375.00 $1,938.45 $92,697.78
Jun, 2048 290 $479.71 $1,083.74 $375.00 $1,938.45 $91,614.04
Jul, 2048 291 $474.10 $1,089.35 $375.00 $1,938.45 $90,524.69
Aug, 2048 292 $468.47 $1,094.99 $375.00 $1,938.45 $89,429.71
Sep, 2048 293 $462.80 $1,100.65 $375.00 $1,938.45 $88,329.05
Oct, 2048 294 $457.10 $1,106.35 $375.00 $1,938.45 $87,222.71
Nov, 2048 295 $451.38 $1,112.07 $375.00 $1,938.45 $86,110.63
Dec, 2048 296 $445.62 $1,117.83 $375.00 $1,938.45 $84,992.80
Jan, 2049 297 $439.84 $1,123.61 $375.00 $1,938.45 $83,869.19
Feb, 2049 298 $434.02 $1,129.43 $375.00 $1,938.45 $82,739.76
Mar, 2049 299 $428.18 $1,135.27 $375.00 $1,938.45 $81,604.49
Apr, 2049 300 $422.30 $1,141.15 $375.00 $1,938.45 $80,463.34
May, 2049 301 $416.40 $1,147.05 $375.00 $1,938.45 $79,316.29
Jun, 2049 302 $410.46 $1,152.99 $375.00 $1,938.45 $78,163.30
Jul, 2049 303 $404.50 $1,158.96 $375.00 $1,938.45 $77,004.34
Aug, 2049 304 $398.50 $1,164.95 $375.00 $1,938.45 $75,839.39
Sep, 2049 305 $392.47 $1,170.98 $375.00 $1,938.45 $74,668.41
Oct, 2049 306 $386.41 $1,177.04 $375.00 $1,938.45 $73,491.37
Nov, 2049 307 $380.32 $1,183.13 $375.00 $1,938.45 $72,308.23
Dec, 2049 308 $374.20 $1,189.26 $375.00 $1,938.45 $71,118.98
Jan, 2050 309 $368.04 $1,195.41 $375.00 $1,938.45 $69,923.57
Feb, 2050 310 $361.85 $1,201.60 $375.00 $1,938.45 $68,721.97
Mar, 2050 311 $355.64 $1,207.81 $375.00 $1,938.45 $67,514.16
Apr, 2050 312 $349.39 $1,214.07 $375.00 $1,938.45 $66,300.09
May, 2050 313 $343.10 $1,220.35 $375.00 $1,938.45 $65,079.74
Jun, 2050 314 $336.79 $1,226.66 $375.00 $1,938.45 $63,853.08
Jul, 2050 315 $330.44 $1,233.01 $375.00 $1,938.45 $62,620.07
Aug, 2050 316 $324.06 $1,239.39 $375.00 $1,938.45 $61,380.68
Sep, 2050 317 $317.65 $1,245.81 $375.00 $1,938.45 $60,134.87
Oct, 2050 318 $311.20 $1,252.25 $375.00 $1,938.45 $58,882.62
Nov, 2050 319 $304.72 $1,258.73 $375.00 $1,938.45 $57,623.88
Dec, 2050 320 $298.20 $1,265.25 $375.00 $1,938.45 $56,358.64
Jan, 2051 321 $291.66 $1,271.80 $375.00 $1,938.45 $55,086.84
Feb, 2051 322 $285.07 $1,278.38 $375.00 $1,938.45 $53,808.46
Mar, 2051 323 $278.46 $1,284.99 $375.00 $1,938.45 $52,523.47
Apr, 2051 324 $271.81 $1,291.64 $375.00 $1,938.45 $51,231.83
May, 2051 325 $265.12 $1,298.33 $375.00 $1,938.45 $49,933.50
Jun, 2051 326 $258.41 $1,305.05 $375.00 $1,938.45 $48,628.46
Jul, 2051 327 $251.65 $1,311.80 $375.00 $1,938.45 $47,316.66
Aug, 2051 328 $244.86 $1,318.59 $375.00 $1,938.45 $45,998.07
Sep, 2051 329 $238.04 $1,325.41 $375.00 $1,938.45 $44,672.66
Oct, 2051 330 $231.18 $1,332.27 $375.00 $1,938.45 $43,340.39
Nov, 2051 331 $224.29 $1,339.16 $375.00 $1,938.45 $42,001.23
Dec, 2051 332 $217.36 $1,346.09 $375.00 $1,938.45 $40,655.13
Jan, 2052 333 $210.39 $1,353.06 $375.00 $1,938.45 $39,302.07
Feb, 2052 334 $203.39 $1,360.06 $375.00 $1,938.45 $37,942.01
Mar, 2052 335 $196.35 $1,367.10 $375.00 $1,938.45 $36,574.91
Apr, 2052 336 $189.28 $1,374.18 $375.00 $1,938.45 $35,200.73
May, 2052 337 $182.16 $1,381.29 $375.00 $1,938.45 $33,819.45
Jun, 2052 338 $175.02 $1,388.44 $375.00 $1,938.45 $32,431.01
Jul, 2052 339 $167.83 $1,395.62 $375.00 $1,938.45 $31,035.39
Aug, 2052 340 $160.61 $1,402.84 $375.00 $1,938.45 $29,632.55
Sep, 2052 341 $153.35 $1,410.10 $375.00 $1,938.45 $28,222.44
Oct, 2052 342 $146.05 $1,417.40 $375.00 $1,938.45 $26,805.04
Nov, 2052 343 $138.72 $1,424.73 $375.00 $1,938.45 $25,380.31
Dec, 2052 344 $131.34 $1,432.11 $375.00 $1,938.45 $23,948.20
Jan, 2053 345 $123.93 $1,439.52 $375.00 $1,938.45 $22,508.68
Feb, 2053 346 $116.48 $1,446.97 $375.00 $1,938.45 $21,061.71
Mar, 2053 347 $108.99 $1,454.46 $375.00 $1,938.45 $19,607.26
Apr, 2053 348 $101.47 $1,461.98 $375.00 $1,938.45 $18,145.27
May, 2053 349 $93.90 $1,469.55 $375.00 $1,938.45 $16,675.73
Jun, 2053 350 $86.30 $1,477.15 $375.00 $1,938.45 $15,198.57
Jul, 2053 351 $78.65 $1,484.80 $375.00 $1,938.45 $13,713.77
Aug, 2053 352 $70.97 $1,492.48 $375.00 $1,938.45 $12,221.29
Sep, 2053 353 $63.25 $1,500.21 $375.00 $1,938.45 $10,721.08
Oct, 2053 354 $55.48 $1,507.97 $375.00 $1,938.45 $9,213.12
Nov, 2053 355 $47.68 $1,515.77 $375.00 $1,938.45 $7,697.34
Dec, 2053 356 $39.83 $1,523.62 $375.00 $1,938.45 $6,173.73
Jan, 2054 357 $31.95 $1,531.50 $375.00 $1,938.45 $4,642.22
Feb, 2054 358 $24.02 $1,539.43 $375.00 $1,938.45 $3,102.80
Mar, 2054 359 $16.06 $1,547.39 $375.00 $1,938.45 $1,555.40
Apr, 2054 360 $8.05 $1,555.40 $375.00 $1,938.45 $0.00

Compare Monthly vs. Bi-weekly

Payment Frequency Monthly Bi-weekly
Payments / Year 12 26
Each Payment $2,044.70 $1,003.84
Total Extra Payments $0.00 $0.00
Total Interest $307,842.35 $239,845.58
Total Tax, Insurance, PMI & Fees $140,737.50 $113,307.69
Total Payment $748,579.85 $653,153.27
Total Savings $0 $95,426.58
Payoff Date Apr, 2054 Sep, 2048

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California Mortgage Calculator with Taxes and Insurance

The mortgage calculator CA has many options such as PMI, property tax, home insurance, payment frequency (monthly and bi-weekly), monthly HOA fees, and extra payments. You will also get an amortization schedule with monthly payment details and a summary of the mortgage on the payoff. Best of all, the amortization schedule is printable and exportable as an Excel spreadsheet or as a pdf file.


How do mortgages work?

A mortgage is a loan that you apply to finance the purchase of your home. The lender gives the borrowers a lump sum to help them buy a house. In return, the borrower repays the loan with interest on a monthly basis for a predetermined number of years, usually 30 years. On a conventional mortgage, the buyer puts down a down payment and the rest is financed by a bank. A mortgage is a secured loan that uses the home as collateral which means the lender can put the house into foreclosure to recoup their loss if the buyer defaults or fails to make monthly payments.


How does mortgage interest work?

There are different types of mortgages such as fixed and variable interest rates. With a fixed-interest mortgage, the monthly payments are the same over the course of the loan. A mortgage with variable interest will have unpredictable monthly payments. Variable interest rate mortgages usually have lower monthly payments initially and higher monthly payments down the road. If the interest rate rises too fast in the future, the borrowers could be faced with pressure paying their mortgages.


Fixed-rate mortgage pros and cons

There are pros and cons of mortgages with fixed interest rates vs variable rates. Pros of fixed-rate mortgage

  • Fixed month payment - the monthly payments are unchanged through the term no matter how high the interest rate rises in the future.
  • Easy to understand - fixed-rate mortgages are easier to understand which is good for first-time buyers. It is also easier to make comparisons between lenders and see which lender gives you the best option.
  • Peace of mind - knowing that monthly payments would never rise gives peace of mind to borrowers.
  • Inflation - if you are paying $1,000 in monthly payments today, you will be still paying the $1,000 twenty years later even though the same $1,000 twenty years from now is probably worth much less than today's money.
  • Build equity faster - variable interest rates usually have lower monthly payments initially, but that means the homeowners are building equity slower. With a fixed interest rate mortgage, borrowers can build equity much faster.

Cons of fixed-rate mortgage

  • Falling interest rate - if the interest rate falls dramatically in the future, you won't be able to take advantage of it unless you refinance the mortgage which comes with closing costs and other fees.
  • It could be costly - if the interest rate was high when you got your mortgage, you are locked into this high-interest rate for the rest of the term which could be costly.
  • Higher monthly payments - fixed interest rates usually have higher monthly payments than ARM in the initial period. Borrowers who cannot afford the higher monthly payments may not be able to buy a home.

The best time to use a fixed interest rate is when the interest rate is low and it is expected that the interest rate would rise in the near future. Borrowers would want to lock into this low rate so that they won't have to refinance the loan at a later point. However, it is hard to predict when the interest rate will rise or fall. One thing borrowers can do is compare the current rate to the interest rate in recent years and watch the inflation data. Usually, when inflation is high, the Fed may hike interest rates to fight inflation, in that case, it would be a wise idea to use a fixed interest rate.



How do mortgage payments work?

The monthly mortgage payments are divided into two parts, the principal and interest payments. It is the principal part that allows the homeowner to reduce their debt and build equity in their house. The interest payment is recalculated each month based on how much money you owe to the bank. Therefore, at the beginning of the term when your balance is the largest, most of the monthly payments are for interest payments with little going toward the principal. It could be years before the balance between the principal and interest payments begin to shift with more money going toward the principal than interest.


What do mortgage lenders look for?

Before starting to apply for a mortgage, first learn how the mortgage process works and what mortgage lenders are looking for. There is only one thing that mortgage lenders want to learn about the borrowers, the ability and willingness to repay the mortgage and interest. There are other costs that are associated with owning a house, such as property tax and home insurance. If your down payment is less than 20% on a conventional mortgage, you will need to pay for private mortgage insurance which is an additional cost. Mortgage lenders want to know how much you make, and how much debt you have to decide whether you are able to repay the loan, tax, insurance, and all the other costs. They also look at your credit score to check if you pay your other debts on time. If you are, then you will most likely repay your mortgage payments on time. Although the bank can foreclose the house and recoup their loss in case the borrower stops making payments, they do not like to deal with foreclosures. It is in the best interest of banks to make money from interest payments than seeing their borrowers default.


How to get the best mortgage rate?

Borrowers that are financially strong with good credit scores will get the best interest rates from lenders. Lenders will either deny borrowers with bad credit scores or charge them with high-interest rates. Borrowers with bad credit scores are more likely to default on the mortgage, and therefore more riskier to the bank than borrowers with high credit standing. To offset this type of risk, the banks will charge them a higher interest rate. Many banks will deny applications from borrowers with a credit score lower than 620. A higher interest rate would cost borrowers thousands and thousands of dollars in interest payments over the course of the term. Therefore, it is important to maintain a good credit score if you ever plan to buy a house on a mortgage. Paying off existing debts will help improve your credit score because it lowers your overall debt and credit utilization which in turn will raise your credit score. Lowing your debt will also lower your LTV which is a factor that lenders use to judge whether or not you will get the loan. The lower your LTV, the better. In addition to improving your credit score, you should shop around and compare the interest rates of different lenders. There are also other charges such as closing costs and fees that you should take into account when doing comparisons from lenders. After some research, borrowers should be able to find a lender that offers them the best mortgage rate and the least fees and closing costs on the mortgage.


How to apply for a mortgage?

Once you select a lender, you will need to prepare lots of documents to show the bank that you have the ability to repay the loan and that you are responsible for your loans. Following are some common documents that you need.


Documents needed for mortgage application

  • W2 or 1099 - if you work for a company, you will need the W2 for the last 2 years. If you are self-employed, you will need 1099 from the last 2 years.
  • Bank statements - show bank statements and investment accounts for the last 2 months as proof that you have the money for the down payment and closing costs.
  • Recent Pay Stub - show recent pay stubs to prove that you are currently an employee and getting paid.
  • Tax documents - you will need the personal tax documents from the last 2 years. If you own a business, you will need to provide the business tax documents as well.
  • Signed contract - you will need a signed contract and sales agreement between the seller and you.

Your bank may ask for other documents, it is recommended that you submit the documents and statement promptly to avoid any delays in closing the deal. For those who are self-employed, the banks may need additional documents. Communicate with your mortgage loan originator to learn where you stand. Mortgage loan originators usually deal with dozens of mortgage applications, sometimes they may forget to inform you that you need additional documents. Therefore, it is wise to follow up with them from time to time if you have not heard from them.



How to use the California mortgage calculator?

This house payment calculator California with PMI has advanced options for a home mortgage. If you are looking for a simple mortgage calculator for other types of loans such as auto loans, you may want to use the simple mortgage calculator. If you would like to include taxes and insurance, you can simply enter the yearly property tax and yearly home insurance amount into the mortgage calculator with PMI California. These amounts will be included in the CA Mortgage Calculator, you can also enter a 0 for the property tax or home insurance if you do not want to include these amounts in your mortgage calculator and the mortgage amortization California. This California Mortgage Calculator with Extra Payment has everything you need to calculate your mortgage in California such as PMI, extra payment, taxes and insurance. In addition, the mortgage calculator California gives you biweekly and monthly payment options so you can view your mortgage amortization schedule by monthly or biweekly. The amortization schedule is both printable and downloadable so you can save it on your computer or have a physical copy.

For commercial loans in California, please use the California commercial mortgage calculator.


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