Free, accurate calculations for all California loan types
Calculate monthly payments for conventional mortgages with down payments as low as 3%. PMI included when down payment is less than 20%.
Monthly Payment
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FHA loans allow down payments as low as 3.5% with flexible credit requirements. Includes upfront and annual MIP (mortgage insurance premium).
Monthly Payment
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Note: FHA loans require upfront MIP (1.75% of base loan) and annual MIP (0.85% for loans over $726,200 or LTV >95%). MIP is required for the life of the loan for down payments less than 10%.
VA loans offer 0% down payment for eligible veterans and service members. No PMI required. Includes VA funding fee.
Monthly Payment
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VA Funding Fee: First-time use with 0% down: 2.15% | Subsequent use: 3.3% | Can be waived for disabled veterans. No PMI required on VA loans.
USDA loans offer 100% financing for eligible rural and suburban properties. Includes upfront guarantee fee and annual fee.
Monthly Payment
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USDA Requirements: Property must be in USDA-eligible area. Income limits apply. 1% upfront guarantee fee and 0.35% annual fee apply.
Calculate available proceeds from a Home Equity Conversion Mortgage. For homeowners 62 and older.
Estimated Available Proceeds
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Important: HECM proceeds depend on age, home value, interest rates, and closing costs. No monthly payments required. Loan becomes due when you sell, move, or pass away. You retain home ownership.
Calculate your available credit line and estimate monthly payments on a Home Equity Line of Credit.
Maximum Credit Line
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HELOC Features: Variable interest rate, interest-only payments during draw period (typically 10 years), then principal & interest during repayment period. Rates and payments can change.
Calculate the cost and savings of assuming an existing FHA or VA loan with a lower interest rate.
Monthly Savings vs New Loan
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Assumption Benefits: Lower interest rate, potential savings. VA assumption fee: ~$300. FHA assumption requires creditworthiness review. Seller may need lender approval to be released from liability.
Determine if refinancing makes sense. Calculate new payments, break-even point, and total savings.
New Monthly Payment
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Let's discuss which loan program is right for you.