Free Tool

Mortgage Calculator

Estimate your monthly payment in seconds. Adjust the inputs below to explore your options.

🏠 Loan Details

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$100K – $3M
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Slide to set percentage β€” currently 20%
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Annual interest rate
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Typically 1–1.5% of home value in CA
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Avg. ~$1,200–$2,400/yr in San Diego
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Leave 0 if not applicable
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Required if down payment < 20% β€” typically 0.5–1.5%
Estimated Monthly Payment
β€”
Principal + Interest + Taxes + Insurance + HOA

πŸ“Š Payment Breakdown

P&I β€”
Principal & Interest
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Property Tax
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Homeowners Insurance
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HOA Dues
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PMI
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Loan Amount
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Total Paid Over Life
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Ready to lock in your rate?

Get an accurate quote from Celina β€” no obligation, no pressure. She'll walk you through your real numbers.

Disclaimer: This calculator provides estimates for informational purposes only and does not constitute a loan commitment, pre-approval, or guarantee of any loan terms. Actual monthly payments will vary based on credit score, lender requirements, loan type, and other factors. Property taxes, insurance, HOA fees, and PMI amounts are estimates and may differ from actual costs. Contact Celina Tominna (NMLS #249231) for an accurate personalized quote.

Have Questions About Your Numbers?

Celina can help you understand what you qualify for and find the best loan program for your situation.

Apply Now Call (619) 987-5007