Your credit score, property type, if purchase or refi, occupancy, and percentage of down payment are the main factors that will affect the rate you receive. An online payment calculator is a great tool however it will never be as accurate as having a discussion with an experienced loan professional. SOME TIPS --- Use 1.25% of the sales price to estimate annual property taxes on a California home purchase. Home insurance premium is based on property location, size and amenities with urban homes having lower annual insurance costs than rural foothill or mountain homes. Conventional PMI will vary based on credit score, loan to value and even your debt ratio. Please reach out for a more accurate estimate of monthly PMI based on your unique qualifying criteria.