Tools
Mortgage calculator
Model principal & interest, property taxes, insurance, HOA, and PMI for Silicon Valley purchase scenarios. Adjust down payment and rate to see how monthly cash flow shifts.
Loan inputs
Estimates for planning only — not a lender quote.
20% · $290,000
Property tax
Typical Bay Area range ~0.9–1.2% before Mello-Roos.
PMI typically drops at or below 80% LTV.
Optional prepayment applied after scheduled principal.
Estimated total payment
$8,846/mo
Loan $1,160,000 · LTV 80.0% · Payoff 360 months
Principal & interest$7,332
Taxes$1,329
Insurance$185
HOA$0
PMI$0
Extra$0
Payment & amortization
- Principal & interest
- Taxes
- Insurance
Next step
Want a payment plan that fits your offer strategy?
We'll stress-test rates, HOA, and Mello-Roos against your true monthly budget before you write.