San Diego Mortgage Calculator

Add principal and interest to property tax, homeowners insurance, any Mello-Roos or HOA dues, and mortgage insurance if your loan needs it. In San Diego, figure property tax on your purchase price at about 1.17%, the 2025-26 county average, and adjust for the tax rate area of the specific home.

Use the purchase price times the tax rate for that tax rate area. The rate is the 1% base under Proposition 13 plus voter-approved bonds. For 2025-26 the San Diego County average was 1.16729%, and individual areas ranged from about 1.02% to 1.29%.

Mello-Roos is a special tax from a Community Facilities District that paid for roads, parks, schools and other infrastructure in a newer community. It is billed with your property taxes, so it raises your monthly housing cost and counts in your debt-to-income ratio. The amount varies by tract, so confirm it for each home. You can look it up by parcel number on the County of San Diego special assessments search.

After a purchase, the County reassesses the home to the new value and bills the difference between the new value and the old assessed value for the rest of the fiscal year, which runs July 1 to June 30. A closing between January 1 and May 31 usually brings two supplemental bills. They are often not paid through your loan, so plan to pay them directly.

The 2026 limit for a one-unit home in San Diego County is $1,104,000 for conforming loans, and the FHA limit is also $1,104,000. A conventional loan above that amount is a jumbo loan. VA buyers with full entitlement have no VA loan limit.

For a purchase, the VA funding fee is 2.15% of the loan on first use with less than 5% down and 3.3% after first use with less than 5% down. It drops to 1.5% with 5% down and 1.25% with 10% down. Veterans who receive VA disability compensation are exempt, and the fee is usually added to the loan.

FHA charges an upfront premium of 1.75% of the base loan, usually added to the loan, plus an annual premium paid monthly. On a 30-year loan the annual premium is 0.50% to 0.75% depending on loan size and down payment. With less than 10% down it lasts for the life of the loan, and with 10% or more it lasts 11 years.

Under the federal Homeowners Protection Act you can ask to cancel PMI when your balance reaches 80% of the original home value, and it ends automatically at 78% if you are current on payments. Some lenders also allow removal based on a new appraisal after values rise.

No. It estimates a monthly payment from the rate you enter. APR includes points and lender fees, and only a lender can quote it. The starting rate is the Freddie Mac weekly national average, so replace it with your own quote for an accurate number.

Lenders compare your total monthly debts, including the new housing payment, to your gross monthly income, and each loan type sets its own limits. VA loans also look at residual income. Enter your income in the optional income check to see your ratios, then confirm with a lender.