Mortgage Calculators

How These Calculators Work

All ten calculators above are built on the same core engine - the standard mortgage amortization formula M = P × [ r(1+r)ⁿ ] / [ (1+r)ⁿ − 1 ] (where P is your loan amount, r is your monthly interest rate, and n is the number of monthly payments) - then each one applies that formula from a different angle: your monthly payment, a refinance comparison, extra-payment payoff, how much home you can afford based on your income, the interest/principal split over time, the tax value of your mortgage interest and property tax, APR vs. note rate, an interest-only payment jump, whether paying points is worth it, or the income needed for a given home price. Open a calculator above for the full walkthrough and formula specific to that question.

California rules & 2026 figures that apply

• The 2026 FHFA baseline conforming loan limit for Sacramento County (1-unit) is $832,750, up 3.3% from $806,500 in 2025; CA high-cost counties top out at $1,249,125 (150% of the baseline) for 2026 (FHFA, 2026 Conforming Loan Limit Values).
• Sacramento County's 2026 FHA loan limit is estimated at roughly $764,750 for a single-family home (Community First Mortgage, Sacramento County FHA Loan Limits 2026) - confirm the exact current figure with your loan officer or HUD's official lookup tool.
• Veterans and service members with full VA entitlement have no maximum VA loan amount cap under the Blue Water Navy Vietnam Veterans Act of 2019 - approval is still based on income, credit and the appraisal (Military.com, 2026 VA Loan Limits).
• Typical debt-to-income (DTI) guidelines by loan type: conventional loans generally allow up to 36% DTI on manual underwriting, up to 45% with strong compensating factors, and up to 50% through Fannie Mae's Desktop Underwriter (Fannie Mae Selling Guide, B3-6-02). FHA commonly benchmarks 31% housing / 43% total DTI, and USDA benchmarks 29% housing / 41% total DTI, both allowing higher ratios with automated underwriting or documented compensating factors (Lower, DTI Limits By Loan Type). VA loans weigh residual income more heavily than a strict DTI ceiling.
• Under California's Proposition 13, the base property tax rate is 1% of assessed value; with voter-approved local bonds and assessments layered on top, most Sacramento County parcels land at an effective rate of roughly 1.05%-1.3% (about 1.10% within Sacramento city limits) (JVM Lending, Sacramento Property Taxes 2026). Buying a home also triggers a one-time supplemental property tax bill once the county reassesses to the new purchase price.
• Mortgage loan originators doing business in California must be licensed through the Nationwide Multistate Licensing System (NMLS) under the CA Department of Financial Protection and Innovation (DFPI) (DFPI, About Mortgage Loan Originators). The Home and Commercial Loan Company, Inc. is licensed under NMLS #1665729.

Estimates only, not a commitment to lend. Figures above reflect publicly reported 2026 program limits and CA tax rules as of this writing and can change - confirm current numbers and your specific eligibility with one of our loan officers before making a decision. The Home and Commercial Loan Company, Inc. is an Equal Housing Opportunity lender, NMLS #1665729.