Riverside, CA Mortgage Calculator
Estimate your monthly mortgage payment in Riverside including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$3,281
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $424,000
LTV: 0.01%
P&I Payment
$2,807
Total Interest
$586,397
over loan life
Payoff
30 yr
Closing Costs
$7,057–$13,173
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$644,000
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $2,807 | $351 | $2,456 | $423,649 | $2,456 |
| 2 | $2,807 | $353 | $2,454 | $423,296 | $4,909 |
| 3 | $2,807 | $355 | $2,452 | $422,941 | $7,361 |
| 4 | $2,807 | $357 | $2,450 | $422,584 | $9,810 |
| 5 | $2,807 | $359 | $2,447 | $422,225 | $12,258 |
| 6 | $2,807 | $361 | $2,445 | $421,863 | $14,703 |
| 7 | $2,807 | $363 | $2,443 | $421,500 | $17,147 |
| 8 | $2,807 | $365 | $2,441 | $421,134 | $19,588 |
| 9 | $2,807 | $368 | $2,439 | $420,767 | $22,027 |
| 10 | $2,807 | $370 | $2,437 | $420,397 | $24,464 |
| 11 | $2,807 | $372 | $2,435 | $420,025 | $26,899 |
| 12 | $2,807 | $374 | $2,433 | $419,651 | $29,331 |
Months 1–12 of 360
2025 Loan Limits — Riverside County, CA
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $644,000 | 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 — Riverside Mortgage
What is the average mortgage payment in Riverside?
Based on the median home value of $530,000 in Riverside, 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 Riverside?
The 2025 FHA loan limit for Riverside (Riverside County) is $644,000.
What is the conforming loan limit in Riverside?
The 2025 conforming loan limit for Riverside is $806,500. Loans above this are considered jumbo.