Long Beach, CA Mortgage Calculator
Estimate your monthly mortgage payment in Long Beach including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$4,367
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $576,000
LTV: 0.01%
P&I Payment
$3,813
Total Interest
$796,615
over loan life
Payoff
30 yr
Closing Costs
$9,237–$17,242
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 | $3,813 | $477 | $3,336 | $575,523 | $3,336 |
| 2 | $3,813 | $480 | $3,333 | $575,044 | $6,669 |
| 3 | $3,813 | $482 | $3,330 | $574,561 | $10,000 |
| 4 | $3,813 | $485 | $3,328 | $574,076 | $13,327 |
| 5 | $3,813 | $488 | $3,325 | $573,588 | $16,652 |
| 6 | $3,813 | $491 | $3,322 | $573,097 | $19,974 |
| 7 | $3,813 | $494 | $3,319 | $572,604 | $23,293 |
| 8 | $3,813 | $496 | $3,316 | $572,107 | $26,610 |
| 9 | $3,813 | $499 | $3,313 | $571,608 | $29,923 |
| 10 | $3,813 | $502 | $3,311 | $571,106 | $33,234 |
| 11 | $3,813 | $505 | $3,308 | $570,600 | $36,541 |
| 12 | $3,813 | $508 | $3,305 | $570,092 | $39,846 |
Months 1–12 of 360
2025 Loan Limits — Los Angeles 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 — Long Beach Mortgage
What is the average mortgage payment in Long Beach?
Based on the median home value of $720,000 in Long Beach, 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 Long Beach?
The 2025 FHA loan limit for Long Beach (Los Angeles County) is $1,209,750.
What is the conforming loan limit in Long Beach?
The 2025 conforming loan limit for Long Beach is $1,209,750. Loans above this are considered jumbo.