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Monthly payment calculator

See the whole monthly picture.

Principal and interest are only part of the story. Add taxes, insurance, HOA dues and mortgage insurance to see a fuller estimate, then call me for real numbers.

Loan type

2026 conforming loan limit: $832,750 (one unit)

$

Down payment

Enter down payment as
$

$15,000 · 3.0% of home price

%

Example only. Enter a rate or use the slider to see how it changes the estimate.

%
$
$

Mortgage insurance (PMI)

PMI: 0.7% a year, based on a 740 credit score.

Estimated monthly payment

$4,019 per month

Estimates for illustration only, not a loan offer or commitment to lend.

Maximum loan amount reached

You've reached the maximum loan amount for San Bernardino/Riverside County. The 2026 conforming loan limit there is $832,750, so at a $500,000 price the loan is held at that amount and the down payment is raised to $15,000 (3.0%).

Principal & interest
$3,066
Property tax
$521
Home insurance
$150
HOA dues
$0
Mortgage insurance
$283
Loan amount
$485,000

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