Your Purchase
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$500,000
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or
Note: PMI estimates may vary for non-standard down payment amounts.
Down Payment$15,000
Loan Amount$485,000
Loan Term30 years
Estimated Payment
Your monthly breakdown
Total
--
P&I
Tax
Insurance
PMI
Principal & Interest
Loan repayment
--
Property Tax
~1.1% · Sacramento County
--
Insurance
~0.35% annually
--
PMI Under 20% down
Drops at 20% equity
--
HOA Fees
Varies by community
--
Total Monthly Payment
--
per month · estimated
Sacramento-Specific Notes
Property taxes here use Sacramento County's average effective rate of ~1.1%. Newer developments in Natomas, Elk Grove, or Folsom often carry Mello-Roos assessments that can add $200-$500+/mo on top of base taxes. Always ask about special assessments before making an offer.
Sacramento County reassesses property tax at the purchase price, so your actual tax bill will be based on what you pay.
Upfront Costs
Cash needed to close
Down Payment--
Est. Closing Costs (~2.5%)--
Reserves (2 mo PITI)--
Total Cash Recommended--
Full Comparison
Every price point, every scenario
| Price | 3% | 3.5% | 5% | 10% | 20% |
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Your Budget
What can you afford?
Your total household income before taxes
Car, student loans, credit card minimums, and similar.
Limit the estimate to a monthly payment you'd feel good about.
Your Result
Maximum home price
You Could Afford Up To
--
based on your target payment
Down Payment--
Loan Amount--
P&I--
Property Tax--
Insurance--
PMI--
Est. Cash to Close
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Sacramento-Specific Notes
This estimate uses Sacramento County's average property tax rate of ~1.1%. Newer developments often carry Mello-Roos assessments that can add $200-$500+/mo. Factor that in if you're looking at Natomas, Elk Grove, Rancho Cordova, or Folsom.
For Reference
What's included in these estimates
Included
30-year and 15-year fixed rates
Property tax ~1.1% annually (Sacramento County)
Homeowner's insurance ~0.35% per year
PMI ~0.85% / 0.75% / 0.50% by down payment
Closing costs ~2.5% of purchase price
Reserves 2 months PITI
Not included
HOA fees ($200-$600+/mo in many communities)
Mello-Roos assessments (common in newer builds)
FHA 1.75% upfront MIP
Good to know
PMI drops at 20% equity
3% conventional typically needs 740+ credit
Affordability uses a 43% debt-to-income guideline
All figures are estimates — consult a licensed lender