Free calculator

See the whole payment, not just the sticker.

Slide the numbers around and watch principal, interest, mortgage insurance, and state-modeled taxes and insurance move in real time — the true monthly picture, across Conventional, FHA, and VA. Estimates only, never an offer. When you want your number, the team builds it for real.

Loan type
$550,000
10.0% · $55,000
Or enter an amount

Conventional needs at least 3% down.

6.625%

Illustrative rate for estimating only — not an offer, quote, or rate lock. Your actual rate depends on credit, program, property, and market conditions and is subject to qualification.

Term

Estimated monthly payment

$4,037/mo
  • Principal & interest$3,170/mo
  • PMI$60/mo
  • Est. property taxes$550/mo
  • Est. homeowners insurance$258/mo

Mortgage-insurance figures (PMI) are estimates; your actual quote may differ by insurer, program, and final terms.

  1. 1Estimated at 1.20% of the purchase price. Prop 13 assesses at your purchase price, so a new purchase runs about 1.2% — the ~0.7% figure you see quoted averages in long-held homes. Mello-Roos districts run higher.
  2. 2A statewide average. Real premiums swing widely with wildfire, wind, hail and flood risk, roof age, and which carriers still write in your ZIP — two similar homes nearby can differ by thousands a year. Flood is a separate policy.
Loan amount
$495,000
Down payment
$55,000 · 10.0%
Loan-to-value
90.0%

Estimates only — not an application, not a credit decision, and not an offer or rate lock. Taxes and insurance are modeled from state averages; your actual figures depend on the property, program, and qualification. Homeowners insurance and property taxes vary widely by county, carrier, and coverage.

The next step

That's the ballpark. Want your number?

A slider estimate is a start — but your real payment depends on your credit, your down payment, the exact property, and the program that actually fits. Tell us a little about you and the team builds a tailored scenario inside your own client portal — real numbers, no guessing. Takes about two minutes.

  • Built by a real human on the PPH team — not an auto-quote
  • Lives in your private client portal to revisit anytime
  • No SSN, no credit pull, no obligation

Prefer a human right now? Call or text 619-777-5700.