Mortgage Calculator
Estimate your monthly mortgage payments. Payments will vary based on final costs.
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$100,000 (20.0% of home price)
Estimated Monthly Payment
$3,153
Payment Breakdown
Loan Summary
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What goes into your payment?
Principal & Interest
The core of your mortgage payment. Principal reduces your loan balance, while interest is the cost of borrowing. Early payments are mostly interest, but over time, more goes toward principal.
Property Taxes
California property taxes average around 0.73% of your home's assessed value annually. In Fresno County, this typically ranges from $5,000 to $10,000+ depending on your home's value.
Homeowner's Insurance
Protects your investment against damage, theft, and liability. Lenders require it, and in California, costs vary based on location, home age, and coverage level.
Private Mortgage Insurance (PMI)
Required when your down payment is less than 20%. PMI protects the lender and typically costs 0.3% to 1.5% of your loan amount annually. It can be removed once you reach 20% equity.
Let's find your perfect home
Now that you have an idea of your budget, let's connect to discuss your goals and find the perfect property in California's Central Valley.
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