Mortgage Payment Calculator With Real Local Property Taxes
Most calculators use a generic property tax estimate. This one starts with each city's actual tax rate and parcel charges, so your estimate reflects what homeowners there really pay. Pick a city:
| Principal & interest | |
| Property tax, parcel taxes & Mello-Roos | |
| Home insurance | |
| Mortgage insurance (est., under 20% down) | |
| HOA dues | |
| Loan amount | |
| Cash for down payment |
Lower rate, or help with closing costs? Compare your options
You can usually pay points upfront for a lower rate, take the standard rate, or accept a slightly higher rate and get a lender credit toward closing costs.
| Option | Rate | Monthly P&I | Upfront | Upfront + interest |
| Buy down the rate | ||||
| Standard rate | ||||
| Higher rate + lender credit |
Other ways to cover closing costs: a seller credit negotiated in the offer, or part of your buyer’s agent commission credited back to you, if the contract and lender allow it. Credits can’t exceed your actual closing costs, and loan programs cap seller contributions.
Points vs. lender credit: how much more or less you pay than the standard rate
Upfront cost (or credit) plus interest paid, compared with the standard rate (the $0 line). Above $0 costs more; below $0 saves money. Where the buy-down line crosses $0 is your break-even.
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Loan balance vs. equity
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Estimate for illustration only, not a loan offer or rate quote. The interest rate and the rate-per-point trade-off shown are examples you can change; real pricing varies by lender and day. Your actual rate, APR and payment depend on credit, loan type, points and market conditions. Mortgage insurance is a rough estimate. Loans arranged through SI MTG, the mortgage division of Salimi Investments, NMLS# 300923, a mortgage broker, not a lender, which compares pricing from multiple wholesale lenders.
Want the full picture for Fremont, including closing costs, transfer tax, utilities and loan limits? See the Fremont, CA guide.
Bilal Salimi · Broker DRE# 01480904 · NMLS# 300923 (SI MTG, the mortgage division of Salimi Investments; a broker, not a lender) · CA Insurance Lic. #0F85254 · (510) 786-8739