San Francisco, CA Mortgage Calculator
Estimate your monthly mortgage payment in San Francisco including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$8,001
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $1,080,000
LTV: 0.01%
P&I Payment
$7,149
Total Interest
$1,493,653
over loan life
Payoff
30 yr
Closing Costs
$15,851–$29,589
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$1,209,750
Conforming Limit
$1,209,750
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $7,149 | $894 | $6,255 | $1,079,106 | $6,255 |
| 2 | $7,149 | $899 | $6,250 | $1,078,207 | $12,505 |
| 3 | $7,149 | $904 | $6,245 | $1,077,302 | $18,749 |
| 4 | $7,149 | $910 | $6,239 | $1,076,393 | $24,989 |
| 5 | $7,149 | $915 | $6,234 | $1,075,478 | $31,223 |
| 6 | $7,149 | $920 | $6,229 | $1,074,558 | $37,452 |
| 7 | $7,149 | $926 | $6,223 | $1,073,632 | $43,675 |
| 8 | $7,149 | $931 | $6,218 | $1,072,701 | $49,893 |
| 9 | $7,149 | $936 | $6,213 | $1,071,765 | $56,106 |
| 10 | $7,149 | $942 | $6,207 | $1,070,823 | $62,313 |
| 11 | $7,149 | $947 | $6,202 | $1,069,876 | $68,515 |
| 12 | $7,149 | $953 | $6,196 | $1,068,923 | $74,712 |
Months 1–12 of 360
2025 Loan Limits — San Francisco County, CA
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $1,209,750 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $1,209,750 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — San Francisco Mortgage
What is the average mortgage payment in San Francisco?
Based on the median home value of $1,350,000 in San Francisco, 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 San Francisco?
The 2025 FHA loan limit for San Francisco (San Francisco County) is $1,209,750.
What is the conforming loan limit in San Francisco?
The 2025 conforming loan limit for San Francisco is $1,209,750. Loans above this are considered jumbo.