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Quickly Estimate Affordable Home Payments

Mortgage Payment Range Calculator

Quickly Estimate Your Home Loan Payments

This calculation tool calculates monthly mortgage payments for 5, 10, 15, 20, 25, 30 year & interest-only home loans. Whenever the principal amount or interest rates are changed, these values automatically update.

This calculator includes options for setting your closing costs, HOA, PMI, homeowner's insurance, and property taxes.

Home buyers can then enter a minimum & maximum affordable monthly payment amount & click on the [Calculate Range] button to quickly compute how many months & years it would take to pay off a loan given those monthly payment amounts, along with the total cost of interest over the life of the loan. These fields are yellow to make them visually stand out & by default the minimum is set to a 30-year amortizing loan & the max is set to a 10-year amortizing loan. When you adjust these it will recompute the repayment periods below based on your inputs.

For your convenience current San Diego mortgage rates are published below.

Home Price & Loan Basics Amount
Home Price:
Loan Amount:
Interest rate (APR %):
PMI %:
Closing costs Amount
Discount points :
Origination points :
Finance points?
Other closing costs:
Finance other loan closing costs?
Other Homeownership Costs Amount
Annual property taxes:
Annual homeowners insurance:
Monthly HOA fees:
Years Monthly P&I Monthly Total Total Interest
Min & Max Monthly Payments Principal & Interest Total Monthly
Interest Only:
Your Minimum Monthly Payment:
Your Maximum Monthly Payment:
Years Months Payment Type Total Interest
Your Minimum
Your Maximum

Current Local Mortgage Rates

The following table shows current San Diego 30-year mortgage rates. You can use the menus to select other loan durations, alter the loan amount, change your down payment, or change your location. More features are available in the advanced drop down

Tips & Notes

The minimum monthly payment entered should be more than the interest only amount, such that the loan is paid down over time.

This calculator only accounts for the basic loan costs of principal & interest.

  • Other loan & home ownership related costs (including repairs) can be substantial.
  • If you want to use a calculator which contains other fees like property taxes, homeowner's insurance, PMI & HOA then please use the full-featured calculator on our homepage. We also offer side-by-side comparison calculators for fixed vs arm loans & the following fixed-rate loan durations:

San Diego Home Buyers May Qualify For Low Downpayment Home Loan Options

Explore conventional mortgages, FHA loans, USDA loans, and VA loans to find out which option is right for you.

Find Out What Loan You Qualify For & Get Pre-Approved Today

Check your options with a trusted San Diego lender.

Answer a few questions below and connect with a lender who can help you save today!