Run the numbers before you fall in love.
Estimate a monthly payment with principal, interest, property tax, insurance, HOA and PMI, then bring real quotes from a lender before you write an offer.
Want an intro to a local lender or two? Book a 30-minute call and I’ll point you in the right direction.
Your estimated monthly payment.
Change any number and the estimate updates instantly. Nothing you type here is saved or sent anywhere.
Defaults are placeholders, not quotes. Plug in your lender’s rate and your own insurance quotes. California property tax is generally based on purchase price (about 1% plus local assessments, which vary by parcel), so check the actual tax bill for any home you’re considering.
| Principal & interest | $0 |
| Property tax | $0 |
| Insurance | $0 |
| HOA | $0 |
| PMI | $0 |
| Loan amount | $0 |
| Down payment | $0 |
What the calculator can’t tell you.
A payment estimate is a starting point. On the Peninsula, a few costs swing more than people expect.
Get real quotes for
- Your rate. Get more than one loan quote. Small differences add up.
- Insurance. Property insurance can vary significantly by location on the Monterey Peninsula. It’s always advised to obtain multiple insurance quotes during due diligence, prior to removing contingencies.
- Jumbo loans. At higher prices, ask your lender about jumbo terms and reserve requirements.
Don’t forget
- Property tax is reassessed on purchase in California, so the seller’s tax bill isn’t yours. Special assessments vary by parcel.
- HOA dues, if any, and what they cover.
- Upkeep on older homes, landscaping, and utilities. These vary a lot, so plan for them home by home.
- This calculator is an estimate only, not a loan offer or financial advice.
Know your number, then shop.
The buyers who have the easiest time here know their comfortable monthly number before they tour, not after. It makes every decision faster and every offer stronger.
I’m not a lender, but I work with good ones and I’m happy to connect you with a couple so you can compare.
I’m a Broker Associate at Compass in Carmel-by-the-Sea (DRE# 01980970), licensed since 2015, and I’ve been involved in nearly 1,000 transactions on the Monterey Peninsula.
Jonathan
Turn the estimate into a plan.
Once you know your range, I’ll set up a search that fits it and walk you through how buying works here.
Or call or text me at 831-747-0310 · [email protected]