Payment Calculator

Mortgage Estimator Tool

Mark Johnson’s payment calculator can help you determine your monthly mortgage payments in California. If you would like to get started or to find out if you prequalify for a home loan today, call us at 805-563-1100.

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Mortgage Details


Private mortgage insurance typically costs between 0.5% to 1% of the entire loan amount on an annual basis.
Expect to pay $35 a month per $100,000 in home value.

Your Monthly Payment
$1,838
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Payment Breakdown
$1,838


Principal & Interest
$1,083



Taxes
$507



Mortgage Insurance
$73



Home Owners Insurance
$108



HOA
$100


Monthly Payment Estimates
by interest rate


Purchase Price Loan Amount 4.50% 4.75% 5.00% 5.25% 5.50% 5.75%
$225,000 $213,750 $1,838 $1,903 $1,936 $1,969 $2,002 $2,036
$235,000 $213,750 $1,871 $1,903 $1,936 $1,969 $2,002 $2,036
$245,000 $213,750 $1,871 $1,903 $1,936 $1,969 $2,002 $2,036
$255,000 $242,250 $2,093 $1,903 $1,936 $1,969 $2,002 $2,036
$265,000 $242,250 $2,093 $1,903 $1,936 $1,969 $2,002 $2,036
$275,000 $242,250 $2,093 $1,903 $1,936 $1,969 $2,002 $2,036
$275,000 $242,250 $2,093 $1,903 $1,936 $1,969 $2,002 $2,036
Cost of Waiting $36 $73 $110 $148 $186
*Cost of waiting estimates are based on the percentage (%) down entered into the calculator.



Yearly Cost of Waiting
$225,000


  • $432
  • $432
  • $876
  • $1,320
  • $1,776
  • $2,232




Life of the Loan Cost of Waiting
$225,000


  • $12,960
  • $12,960
  • $26,280
  • $39,600
  • $53,280
  • $66,960




*Cost of waiting estimates are based on the percentage (%) down entered into the calculator.
Disclosure: Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues. All loans are subject to approval and credit terms may vary.

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