Your real monthly payment

Add principal and interest on your loan, property tax, home insurance, and any Mello-Roos, HOA, flood insurance or mortgage insurance. This calculator adds them for you.

California property tax starts at 1% of the purchase price, plus local bonds and assessments. Many Sacramento-area bills land a bit above 1%. Check the tax bill for the home you want.

Most likely. Natomas is FEMA Zone A99, and buyers with federally backed loans need flood insurance there. Get a quote and enter it in the calculator.

A special tax in some newer neighborhoods, common in parts of Elk Grove and Natomas. It shows up on the property tax bill and adds to your monthly cost.

Your down payment plus closing costs. This calculator estimates closing costs at 2.5% of the price. A lender will give you exact numbers.