Mortgage Calculator | RJ Estate — San Diego & Riverside County

🏠 Free Mortgage Tools

Know Your NumbersBefore You Make an Offer.

4 free calculators built for first-time buyers and VA loan holders in San Diego & Riverside County.

Monthly Payment Calculator

Find out exactly what your monthly mortgage payment will be — including principal, interest, taxes and insurance.

Home Price

Down Payment

Interest Rate6.5%

Loan Term30 years

Annual Property Tax (Est. 1.1% of home price)

Annual Home Insurance (Est. 0.5% of home price)

Auto-estimated from home price. You can override these.

📋 Your Estimate

Enter your info below to unlock your personalized mortgage estimate.

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📋 Your Estimate

Estimated Monthly Payment

per month

Principal & Interest—

Property Tax—

Home Insurance—

Loan Amount—

Total Interest Paid—

Total Cost—

VA Loan Eligibility Checker

Check if you qualify for a VA loan and see what benefits you may be entitled to.

Select all that apply to you:

I am currently on Active Duty

I am a Veteran (honorably discharged)

I serve/served in the National Guard or Reserves

I am the surviving spouse of a veteran

Served 90+ consecutive days during wartime

Served 181+ days during peacetime

Served 6+ years in Guard/Reserves

🎖️ VA Loan Benefits

IF ELIGIBLE, YOU GET:

No down payment required (up to conforming loan limits)

No private mortgage insurance (PMI) — saves $100–$300/month

Competitive interest rates — often lower than conventional

Limited closing costs by law

No prepayment penalties

VA appraisal protects you from overpaying

Reusable — use your benefit multiple times

💡 San Diego & Riverside County limit: VA loans go up to $1,089,300 with no down payment required.

Home Affordability Calculator

Find out how much home you can afford based on your income, debts, and down payment.

Annual Household Income

Monthly Debt Payments

Down Payment Available

Interest Rate6.5%

Loan Type

📊 Your Affordability

Maximum Home Price

Max Monthly Payment—

Debt-to-Income Ratio—

Recommended Price Range—

Loan Amount—

⚠️ Based on 43% DTI limit. Actual approval depends on credit score, lender, and other factors.

Refinance Calculator

See how much you could save by refinancing your current mortgage to a lower rate.

Current Loan Balance

Current Interest Rate7.5%

New Interest Rate6.5%

Remaining Loan Term25 years

Estimated Closing Costs

🔄 Refinance Savings

Monthly Savings

per month

Current Payment—

New Payment—

Break-Even Point—

5-Year Savings—

Lifetime Savings—

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Get personalized guidance on VA loans & finding the right home in San Diego & Riverside County.

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