Bien Properties

Mortgage & PITI Calculator

FHA · VA · Conventional · Jumbo · Non-QM — full payment breakdown

Rates as of June 3, 2026
1

Loan Type

Conventional30-yr fixed
FHA3.5% down
VA0% down
Jumboover limit
Non-QMalt doc
Occupancy — affects rate & down payment
2

Home Price & Down Payment

$
20% · $150,000
%
$
3

Location, Limits & Local Tax

$
$
4

Interest Rate & Points

%
pts
5

Property Tax, Insurance & MI

%
Set from county — editable
$
Estimated from price & area — editable
$
%
6

Closing Costs

%
$
Finance upfront MIP / funding fee into the loan

Lender, title, escrow, appraisal, recording & prepaids. Upfront MIP (FHA) and the VA funding fee can be rolled into the loan; closing costs are paid in cash unless seller-credited.

Total Monthly Payment (PITI)
$0
P + I + T + I
Principal & Interest$0
Property Tax$0
Home Insurance$0
Mortgage Insurance$0
HOA Dues$0
Total Monthly$0
$0
Loan Amount
0%
Loan-to-Value
0%
Effective Rate
$0
Down Payment
Down Payment$0
Closing Costs$0
Discount Points$0
Upfront MIP / fee$0
Cash to Close$0
Σ

Loan Summary

Principal $0 Interest $0
Total of payments$0
Total interest paid$0
Payoff0 yrs
Disclaimer. This calculator is provided by Bien Properties, Inc. (DRE #02282984) for general illustration and educational purposes only. All figures — including interest rates, mortgage insurance, funding fees, closing costs, property tax rates, and insurance premiums — are estimates and may not reflect your actual terms. County property-tax rates are approximate effective rates for a new purchase (Prop 13 base plus typical local assessments/Mello-Roos) and vary by parcel; insurance is estimated from home value and regional risk and varies by carrier, coverage, and wildfire exposure. This is not a loan commitment, pre-approval, rate lock, or an offer to lend, and is not a Loan Estimate under TRID. Loan limits shown are 2026 FHFA/HUD figures and may be edited per county. Consult a licensed mortgage lender for an official quote and a licensed insurance agent for an accurate premium. Bien Properties is a real estate brokerage, not a mortgage lender. Equal Housing Opportunity.
Sources: FHFA 2026 Conforming Loan Limits; HUD 2026 FHA Loan Limits; Mortgage News Daily / Bankrate / Veterans United (rates as of June 3, 2026); HUD MIP & VA funding fee schedules. Estimates only.