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What Can You Actually Afford?

Use this mortgage calculator to see your real monthly payment—including taxes, insurance, and PMI. No BS. No email required.

Mortgage Payment Calculator

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Additional Monthly Costs

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Estimated Monthly Payment

$0

Principal & Interest + Taxes + Insurance + HOA
Loan Amount$400,000
Total Payment$0
Total Interest$0

Monthly Payment Breakdown

Principal & Interest$2,661
Property Tax$500
Home Insurance$150

Here's What This Calculator Actually Shows You

Most mortgage calculators lie to you. They show you the principal and interest payment—but that's NOT what you'll actually pay every month. This calculator shows you the REAL number:

  • Principal & Interest: Your base loan payment
  • Property Taxes: 1.25% annually in Ventura County (that's $875/month on a $700K home)
  • Homeowners Insurance: About 0.5% annually ($290/month on a $700K home)
  • PMI: If you put down less than 20%, add $200-400/month
  • HOA Fees: If your property has them (common in condos and new developments)

Bottom line: If you're looking at a $700K house in Ventura County, your REAL payment is probably $5,000-5,500/month, not the $3,500 the bank calculator shows you. Want to know your exact numbers? Call me: (805) 393-6278

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