These free mortgage calculators help California homebuyers, homeowners, and investors estimate payments, compare loan programs, and analyze investment returns. Every calculator uses real math with California-specific data including county property tax rates, conforming loan limits ($1,209,750), and FHA/VA program rules. Results are educational estimates — connect with our recommended broker for exact numbers based on your situation.
Payment & Affordability
Amortization Schedule
See how each payment splits between principal and interest. Model extra payments and see how much interest you save.
Affordability Calculator
Input your income, debts, and down payment to see how much home you can afford in California.
DTI Calculator
Calculate your debt-to-income ratio and see which loan programs you qualify for at your DTI level.
Down Payment Calculator
See how much you need to save at different down payment percentages for any California home price.
Compare & Decide
Loan Program Comparison
Side-by-side comparison of Conventional, FHA, VA, and Jumbo for your price and credit score.
Rent vs Buy Calculator
Compare total cost of renting vs buying over 3-10 years with appreciation and equity growth.
Pre-Qualification Check
Estimate your purchasing power in 60 seconds based on income, credit, and savings.
Costs & Refinance
Closing Cost Estimator
California-specific closing costs by county. FHA, VA, and conventional breakdowns included.
Refinance Calculator
See if refinancing saves you money. Compare your current payment to new terms with break-even analysis.
Investors
Need Numbers for Your Exact Situation?
These calculators provide educational estimates. Our recommended broker, Save Financial (NMLS #377740), can run precise numbers for your scenario — income, credit, property, and program — at no cost and no obligation.
Last updated: July 2026. Sources: FHFA, HUD, VA, CalHFA, CFPB, California DRE, California Association of Realtors. All loans subject to credit approval. Rates subject to change.