Keep in mind there are several factors that affect a mortgage rate. Some of the those include credit score, property type, occupancy, and percentage of down payment-among others. These factors would have a direct affect on the mortgage rate you ultimately receive. An online payment calculator is a great tool however it will never be as accurate as what you can discover from a discussion with an experienced loan professional. Remember to use 1.25% of the sales price to estimate property taxes on a California home purchase. Home insurance will be based on property location and amenities like square footage etc. with urban subdivision homes typically having lower annual insurance costs than rural foothill or mountain homes. Conventional PMI will vary based on credit score, loan to value and debt ratio. Please reach out for a more accurate estimate of monthly PMI based on your unique qualifying criteria.