Sacramento, CA Mortgage Calculator
Estimate your monthly mortgage payment in Sacramento including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$2,887
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $376,000
LTV: 0.01%
P&I Payment
$2,489
Total Interest
$520,013
over loan life
Payoff
30 yr
Closing Costs
$6,368–$11,887
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$633,950
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $2,489 | $311 | $2,178 | $375,689 | $2,178 |
| 2 | $2,489 | $313 | $2,176 | $375,376 | $4,354 |
| 3 | $2,489 | $315 | $2,174 | $375,061 | $6,528 |
| 4 | $2,489 | $317 | $2,172 | $374,744 | $8,700 |
| 5 | $2,489 | $319 | $2,170 | $374,426 | $10,870 |
| 6 | $2,489 | $320 | $2,169 | $374,105 | $13,039 |
| 7 | $2,489 | $322 | $2,167 | $373,783 | $15,205 |
| 8 | $2,489 | $324 | $2,165 | $373,459 | $17,370 |
| 9 | $2,489 | $326 | $2,163 | $373,133 | $19,533 |
| 10 | $2,489 | $328 | $2,161 | $372,805 | $21,694 |
| 11 | $2,489 | $330 | $2,159 | $372,475 | $23,853 |
| 12 | $2,489 | $332 | $2,157 | $372,144 | $26,011 |
Months 1–12 of 360
2025 Loan Limits — Sacramento County, CA
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $633,950 | 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 — Sacramento Mortgage
What is the average mortgage payment in Sacramento?
Based on the median home value of $470,000 in Sacramento, 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 Sacramento?
The 2025 FHA loan limit for Sacramento (Sacramento County) is $633,950.
What is the conforming loan limit in Sacramento?
The 2025 conforming loan limit for Sacramento is $806,500. Loans above this are considered jumbo.