Mesa, AZ Mortgage Calculator
Estimate your monthly mortgage payment in Mesa including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$2,485
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $320,000
LTV: 0.01%
P&I Payment
$2,118
Total Interest
$442,564
over loan life
Payoff
30 yr
Closing Costs
$5,235–$9,772
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $2,118 | $265 | $1,853 | $319,735 | $1,853 |
| 2 | $2,118 | $266 | $1,852 | $319,469 | $3,705 |
| 3 | $2,118 | $268 | $1,850 | $319,201 | $5,555 |
| 4 | $2,118 | $270 | $1,849 | $318,931 | $7,404 |
| 5 | $2,118 | $271 | $1,847 | $318,660 | $9,251 |
| 6 | $2,118 | $273 | $1,846 | $318,387 | $11,097 |
| 7 | $2,118 | $274 | $1,844 | $318,113 | $12,941 |
| 8 | $2,118 | $276 | $1,842 | $317,837 | $14,783 |
| 9 | $2,118 | $277 | $1,841 | $317,560 | $16,624 |
| 10 | $2,118 | $279 | $1,839 | $317,281 | $18,463 |
| 11 | $2,118 | $281 | $1,838 | $317,000 | $20,301 |
| 12 | $2,118 | $282 | $1,836 | $316,718 | $22,137 |
Months 1–12 of 360
2025 Loan Limits — Maricopa County, AZ
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Mesa Mortgage
What is the average mortgage payment in Mesa?
Based on the median home value of $400,000 in Mesa, a 30-year conventional loan with 20% down at current illustrative rates would result in an estimated P&I payment. Add local property taxes and insurance for a full PITI estimate.
What is the 2025 FHA loan limit in Mesa?
The 2025 FHA loan limit for Mesa (Maricopa County) is $524,225.
What is the conforming loan limit in Mesa?
The 2025 conforming loan limit for Mesa is $806,500. Loans above this are considered jumbo.