Mortgage Calculator
Estimate your monthly payment.
Plug in a home price, down payment, and rate to see principal, interest, taxes, insurance, and HOA — tuned for Southern California buyers.
Loan details
= $170,000
Typical CA range: 1.1% – 1.25%
Your estimate
Estimated monthly payment
$5,202
- Principal & interest
- $4,298
- Property taxes
- $779
- Homeowners insurance
- $125
- HOA
- $0
- Loan amount
- $680,000
- Down payment
- $170,000
Estimates only. Actual rates, taxes, and insurance vary by property, credit, and program. Contact a loan officer for a tailored quote.
Blended Rate Calculator
See if a HELOC actually saves you money
Enter your mortgage plus any credit cards, auto loans, or installment debt. We’ll calculate your true blended interest rate across everything you owe, then compare it to consolidating that debt onto a Home Equity Line of Credit.
Your mortgage
Other debt
HELOC scenario
Assumes all non-mortgage debt moves to the line.
Your blended rate today
7.16%
- Total debt
- $576,000
- Total monthly payments
- $4,730
- Interest cost per year
- $41,256
- Non-mortgage debt
- $56,000
- Its interest per year
- $8,756
With a HELOC at 8.75%
6.49%
- Interest saved per year
- $3,856
- HELOC interest-only payment
- $408/mo
- Monthly cash flow freed up
- $1,122/mo
A HELOC lowers your blended rate from 7.16% to 6.49% — worth a closer look.
Blended rate is a balance-weighted average and assumes an interest-only HELOC draw period. HELOC rates are variable and can change. Estimates only — not a commitment to lend.