Mortgage calculator

WHAT WOULD MY
PAYMENT BE?

Your full monthly payment, not just principal and interest. Taxes, insurance, HOA and mortgage insurance are all in here, and if you're house hacking, you can see what your tenants cover.

Starting at this week's average: 7.03% · 30-yr fixed · Sep 24, 2026
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Loan type
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Taxes, insurance, HOA & mortgage insurance
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Long Beach and most of LA County run about 1.1% to 1.25% a year in property tax on the purchase price (Prop 13's 1% plus local bonds). Newer areas with Mello-Roos can be higher. Condo buyers: don't forget HOA.

Your estimated monthly payment
$0 /mo
Monthly payment breakdown
  • Principal & interest$0
  • Property tax$0
  • Home insurance$0
  • HOA dues$0
  • PMI$0
Loan amount
$0
Down payment
$0
Total interest
$0
Paid off
 
Talk to Franky about these numbers

Amortization

Watch your equity grow.

Early payments are mostly interest. Each year, more of your payment goes to principal, which is equity you own.

Loan balance, principal paid, and interest paid over time
Loan balance Principal paid (your equity) Interest paid
Year by year schedule
YearPrincipalInterestPMIBalance
Updated every Thursday

This week's average rates

7.03%
30-year fixed
6.42%
15-year fixed

National weekly average from the Freddie Mac PMMS, week of Sep 24, 2026. It assumes 20% down and excellent credit, so your rate may be higher or lower. Shown for information only; not an offer of credit or an APR.

Next step

Turn the estimate into a real number.

A lender pre-approval tells you your actual rate and budget. I'll connect you with lenders I trust and walk you through which of the three paths (condo, a home with ADU potential, or a 2 to 4 unit house hack) fits these numbers.

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Let's go over your numbers.

Send me your info and I'll see the scenario you just ran, so we can pick up right where you left off. No automated follow-up, just me.

Your calculator numbers are included so I can follow up with real answers.

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For estimates only. This is not a loan offer, pre-approval, or commitment to lend. Franky J. Lopez is a licensed REALTOR® (DRE #02200584) with Sage Real Estate (DRE #02163228), not a mortgage lender or loan originator. Rates shown are Freddie Mac national survey averages for informational purposes only, not an offer of credit or an annual percentage rate (APR). Your actual rate, payment, and mortgage insurance depend on your credit, down payment, loan type, points, and lender. FHA estimates include the 1.75% upfront mortgage insurance premium added to the loan; VA estimates include a first-use funding fee added to the loan. Property tax and insurance are estimates; get quotes for your specific property.