difficulty accessing content, forms, documents, or services, contact hello@cahbi.com so we can provide assistance or an alternative format."},"calc":{"additionalCosts":"Additional costs","amortCaption":"Yearly amortization: principal, interest, and remaining balance for each year of the loan.","amortizationSchedule":"Amortization schedule","convDti":"28% front-end / 45% back-end DTI","conventionalLoan":"Conventional loan","creditExcellent":"Excellent. Typically the strongest rates","creditFair":"Fair. Often FHA-eligible, usually higher rates","creditGood":"Good. Typically competitive rates","creditPoor":"Below 580. Limited options; FHA may need 10% down","ctaBody":"A licensed broker can review your full picture and, where it fits, work toward a real pre-approval. A clear answer in 24–48 hours.","ctaButton":"Get started","ctaHead":"Want a personalized estimate?","debtsHint":"Include car payments, student loans, credit-card minimums, and child support.","disclosureBody":"This calculator provides estimates for general informational purposes only. The figures are illustrative and do not constitute a rate quote, a pre-approval, a loan commitment, a guaranteed payment, or a promise of any closing-cost credit. Actual loan terms and qualification depend on verified income, credit history, employment, assets, the property, and full underwriting. DTI ratios use simplified assumptions and may not reflect every debt or income source. FHA loan limits shown are for California high-cost areas and vary by county. Rates are estimates and change with market conditions. This is not financial, tax, or legal advice. Contact a licensed mortgage professional for figures specific to you.","disclosureHead":"Important disclosures","donutAriaLabel":"Monthly payment breakdown by category","downLoanLine":"Down: {dp} · Loan: {loan}","dtiAxisMax":"50%","dtiAxisMin":"0%","dtiConvMax":"45% conv. max","dtiExistingDebts":"existing debts only (before mortgage)","dtiFront":"28% front","dtiHeading":"Your debt-to-income ratio","estimatedMaxHomePrice":"Estimated max home price","estimatedMonthlyPayment":"Estimated monthly payment","estimatedRateLine":"Estimated rate: {x}% (base {y}% adjusted for credit)","eyebrow":"Free · no login · estimate only","fhaDti":"31% front-end / 47% back-end DTI","fhaLoan":"FHA loan","h1":"California Mortgage Calculator","headerCta":"Get started","intro":"Estimate a monthly payment, or see a ballpark of what you might be able to borrow. These are illustrative numbers, not a quote or a pre-approval.","labelAnnualGrossIncome":"Annual gross income","labelBaseMarketRate":"Base market rate","labelCreditScore":"Credit score","labelDownPayment":"Down payment","labelHoaPerMonth":"HOA / mo","labelHomePrice":"Home price","labelInsurancePerYear":"Insurance / yr","labelInterestRate":"Interest rate","labelLoanTerm":"Loan term","labelMonthlyDebts":"Monthly debts","labelPropertyTaxPct":"Property tax %","licenseLine":"cahbi · John Palmer · CA DRE 010-55719 · NMLS 240187 · Equal Housing Opportunity. Not a commitment to lend.","maxLoanLabel":"Max loan:","metaDescription":"Estimate a California monthly payment with county property tax, insurance, PMI and HOA. Built by a dual-licensed broker. Estimates only, not a quote or pre-approval.","metaTitle":"California mortgage calculator: property tax, PMI, HOA · cahbi","minCreditConv":"Min 620 credit score","minCreditFha":"Min 500 credit score","minDownLabel":"Min down:","mipLabel":"MIP:","mipPerYear":"{x}%/yr","monthlyBreakdown":"Monthly breakdown","notEligible":"Not eligible","overYears":"Over {n} years","pctOfLoan":"{n}% of loan","pmiLikely":"PMI likely","pmiLikelyPlus":"+ PMI likely","resultCaption":"Estimate only. Not a quote or pre-approval.","segHoa":"HOA","segInsurance":"Insurance","segPrincipalInterest":"Principal & interest","segPropertyTax":"Property tax","skipToMain":"Skip to main content","suffixYrs":" yrs","tabAffordability":"Affordability estimate","tabPayment":"Payment estimate","tablistAriaLabel":"Ca