This is an estimate, not a loan decision. This tool is not a loan offer, a preapproval, a commitment to lend, or a determination of what you qualify for. It does not review credit, income, or assets, and it applies the same calculation to every person who uses it. Coldwell Banker Realty is a real estate brokerage, not a lender, mortgage broker, insurance agency, or tax advisor.

Your actual payment depends on your lender, loan program, and the tax and insurance figures for the specific property. Three California items to plan for. Under Proposition 13 the assessed value resets to the purchase price when a home sells, so the seller's current bill generally does not carry over to you; buyers 55 or older, or buyers with a qualifying disability, may be able to transfer a lower base year value under Proposition 19, which changes this line materially. Homeowners insurance varies enormously by fire hazard zone and carrier availability, and coverage may be limited to the California FAIR Plan with a separate difference-in-conditions policy. Mello-Roos and other special assessments are fixed charges that transfer with the property and are separate from the ad valorem rate. Earthquake and flood coverage are separate policies. Confirm every number with a licensed lender, insurance broker, and tax professional before relying on it.