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Real estate calculators

Four free interactive calculators built around California rules and Simi Valley specifics. Mortgage payment, affordability, property tax (including the supplemental bill that surprises new buyers), and closing costs.

These calculators run entirely in your browser. Nothing is sent anywhere. They cover what most online calculators get wrong about California: Mello-Roos, supplemental property tax, transfer tax rates, and CA-specific closing-cost conventions. For a precise estimate tied to your specific situation, request a CMA or talk to Brian.

Mortgage Payment

Estimate your full monthly payment (PITI) including principal, interest, property tax, insurance, HOA, and Mello-Roos.

CA effective rate. Default 1.18% = 1% Prop 13 + 0.18% local.
$0 for older neighborhoods.

Your Monthly Payment

Total monthly (PITI+)

$0
Principal & Interest$0
Property Tax$0
Insurance$0
HOA$0
Mello-Roos$0
Loan Amount$0
Total Interest (life of loan)$0
How this is calculated: Standard amortization formula on principal and interest, then adds annualized property tax (CA effective rate), insurance, HOA, and Mello-Roos divided by 12. Down payments below 20% would also have PMI which is not modeled here.

What Can I Afford?

Estimates your maximum home price using a 28% front-end ratio and 36% back-end debt-to-income standard.

Car loans, student loans, credit card minimums.
Lower DTI = lower max price but more breathing room.

What You Can Afford

Max comfortable home price

$0
Max monthly housing$0
Max P&I budget$0
Max loan amount$0
Total all-in (loan + down)$0
How this is calculated: Maximum total housing payment is your selected DTI ratio of gross income. Subtract estimated property tax (1.18%), insurance (~$150/mo), and a $50/mo HOA reserve. The remainder is your P&I budget. Solve the amortization formula for principal at the given rate. Add your down payment to get max purchase price.

California Property Tax

Estimates annual property tax plus the supplemental bill that arrives 6 to 9 months after closing.

Long-term Simi Valley owners often have assessed values 30-60% below market.
Affects supplemental bill timing.

Your Property Tax

First-year cost

$0
Annual base property tax$0
Annual Mello-Roos$0
One-time supplemental bill$0
Total Year 1$0
Year 2+ annual$0
The supplemental bill explained: California reassesses your property at the purchase price after closing. The county sends a one-time bill for the difference between the seller's old basis and your new basis, prorated for partial-year ownership. Most lender impound accounts do NOT cover this. Budget for it. Full guide here.

Closing Costs (CA)

California-specific buyer and seller closing-cost estimate. Assumes Ventura County conventions.

Estimated Closing Costs

Total buyer closing costs

$0
Disclaimer: All California closing costs are negotiable between buyer and seller. The defaults shown reflect typical Ventura County conventions but actual splits vary by transaction. Lender fees vary widely. Full line-by-line breakdown.

Want a precise estimate for your specific deal?

These calculators give you ballpark numbers. For an exact estimate tied to your address, lender, and timing, I will pull the specific data and walk you through it.

Talk to Brian