Mortgage calculator: run your own numbers.
Type a home price, your down payment and a rate, and pick a loan term, to estimate a monthly payment and see whether your loan would be conforming or jumbo.
Your numbers
- Loan amount
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- Principal and interest
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- Taxes, insurance, HOA
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- Total interest over the term
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Loan size check · 2026 limits
Type a home price to check the loan size.
Based on FHFA’s 2026 one-unit limits: $832,750 in most counties, up to $1,249,125 in high-cost counties. See limits by county.
This calculator is for education only. It uses the numbers you type in, with a fixed rate and equal monthly payments. Results are estimates, not a quote, a rate offer, a loan approval or a commitment to lend. It leaves out mortgage insurance and other costs that may apply, so an actual payment can be higher. Talk to Sam for figures based on your situation.
How the calculator decides conforming or jumbo.
The calculator takes your down payment off the home price to get a loan amount, then compares that amount with FHFA’s 2026 limits for a one-unit home. At or under $832,750, the national baseline, a loan is conforming in every county. Above $1,249,125, the ceiling for high-cost counties, it is a jumbo loan in every California county. In between, the answer depends on the limit in the county where the home is, so look up the county in the table of 2026 California loan limits by county. It is the loan amount that counts, not the home’s price. The check is about loan size only: it does not say whether a loan would be approved, or on what terms.
Want numbers you can count on?
Sam can give you figures based on your actual loan, credit and property.