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This payment calculator includes principal and interest only. Please add in your property taxes and homeowners insurance for the full payment amount.
If you are not putting 20% down then you may have mortgage insurance and that amount needs to be calculated according to the loan program used.
For new home purchases in California the property taxes are based on 1.25% of the purchase price and that amount is divided by 12 months to find the amount to be added to the monthly payment for the tax portion. For homeowner's insurance a good rule of thumb is to add $70-$80 a month.
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