Mortgage Calculator

This calculator will help you to determine how much house you can afford and/or qualify for.

Complete or change the entry fields in the "Input" column of all three sections. The calculator will automatically recalculate anytime you press the Tab key after making a change to an input field.

Purchase Information

Purchase Price:

Down Payment Percent:

Down Payment Amount:

Loan Amount:

Annual Interest Rate:

Length of the Mortgage in Years:

Payment Information

Monthly Principal & Interest Payment:

Annual Property Taxes:

Monthly Property Taxes:

Annual Insurance:

Monthly Insurance:

Annual PMI:

Monthly PMI:

Monthly Association Fees:

Monthly Payment (PITI):

Tax Deductable Portion of Payment:

Qualifying Information

Gross Income:

Monthly Debt Payments:

Qualify For Loan?

Maximum Qualifying Loan Amount:

Current Payment to Income Ratio (max approx. 40%):

Current Debt to Income Ratio (max approx. 50%):

Create Amortization Schedule

Longer term loans may take a few moments for the report to be generated.

Current Homes for Sale

Santa Cruz County

Aptos Homes 341 $195k - $15.4m

Capitola Homes 119 $159k - $5.6m

Rio Del Mar / Seascape Homes 159 $195k - $8.8m

Santa Cruz Events 722 $90k - $10.0m

Santa Cruz Homes 722 $90k - $10.0m

Santa Cruz Real Estate 722 $90k - $10.0m

Sumner Woods Homes in Rio Del Mar 159 $195k - $8.8m

Monterey County

$0-$300000 146 $18k - $28.5m

Alta Mesa-Monterey 146 $18k - $28.5m

Big Sur Homes 14 $350k - $22.0m

Carmel Homes 395 $250k - $40.0m

Casanova-Oak Knoll Neighborhood Monterey 146 $18k - $28.5m

Fishermans Flats 146 $18k - $28.5m

Glenwood Circle Monterey 146 $18k - $28.5m

Mar Vista Neighborhood Monterey 146 $18k - $28.5m

Monterey Homes For Sale 146 $18k - $28.5m

Oak Grove Monterey 146 $18k - $28.5m

Old Town Monterey 146 $18k - $28.5m

Pebble Beach Homes 112 $750k - $33.5m

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