Free tool
Mortgage calculator: your true monthly cost
The sticker price isn't the cost. This calculator includes what most leave out — California property taxes, insurance, and HOA — so you see the real monthly number for Santa Cruz County and Santa Clara County homes.
Estimated total monthly payment
Over the life of the loan
Estimates only — actual rates, taxes, and insurance vary by property and borrower. California property tax starts near 1% of assessed value plus local bonds and assessments (often 1.1%–1.3% effective); buyers should also budget for supplemental tax bills in year one. Insurance can be materially higher in mountain and coastal areas — confirm availability early. This tool is general information, not lending advice.
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