California Mortgage Calculator — Prop 13, CalHFA & Mello-Roos
Estimate CA mortgage payments with Prop 13 taxes, Mello-Roos, and PMI. Includes CalHFA down payment help and state income tax impact.
✓ Formula verified: March 2026For informational purposes only
California Mortgage Calculator
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Enter Values
Monthly Payment (Principal & Interest)
$5,359.48
Loan Amount
$600,000
Down Payment
▲ 20.0% ($150,000)
Total Interest Paid
$364,707
Total Cost of Loan
$964,707
Annual Property Taxes
$5,775/yr
What if your home price changes? $675000 → $4,689.55 · $750000 → $5,359.48 · $825000 → $6,029.42
Scenario Comparison
Conservative (5%)
$16,470.09
$6,470.09 interest
Your scenario (7%)
$20,096.61
$10,096.61 interest
Aggressive (10%)
$27,070.41
$17,070.41 interest
High-risk (14%)
$40,224.71
$30,224.71 interest
Best return
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Monthly Payment Breakdown
Principal & Interest$5,359
Property Tax$481
Total Monthly$5,841
Down Payment
20.0%
Loan Term
15 yr
California Specific
Prop 13 limits property tax to ~1% of assessed value with a 2%/yr cap. CA also has state income tax (1-13.3%).
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