San Diego, CA Mortgage Calculator
Estimate your monthly mortgage payment in San Diego including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$5,276
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $696,000
LTV: 0.01%
P&I Payment
$4,607
Total Interest
$962,577
over loan life
Payoff
30 yr
Closing Costs
$10,958–$20,455
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$1,006,250
Conforming Limit
$1,006,250
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $4,607 | $576 | $4,031 | $695,424 | $4,031 |
| 2 | $4,607 | $579 | $4,028 | $694,844 | $8,059 |
| 3 | $4,607 | $583 | $4,024 | $694,262 | $12,083 |
| 4 | $4,607 | $586 | $4,021 | $693,675 | $16,104 |
| 5 | $4,607 | $590 | $4,018 | $693,086 | $20,121 |
| 6 | $4,607 | $593 | $4,014 | $692,493 | $24,136 |
| 7 | $4,607 | $596 | $4,011 | $691,896 | $28,146 |
| 8 | $4,607 | $600 | $4,007 | $691,296 | $32,153 |
| 9 | $4,607 | $603 | $4,004 | $690,693 | $36,157 |
| 10 | $4,607 | $607 | $4,000 | $690,086 | $40,158 |
| 11 | $4,607 | $610 | $3,997 | $689,476 | $44,154 |
| 12 | $4,607 | $614 | $3,993 | $688,862 | $48,147 |
Months 1–12 of 360
2025 Loan Limits — San Diego County, CA
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $1,006,250 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $1,006,250 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — San Diego Mortgage
What is the average mortgage payment in San Diego?
Based on the median home value of $870,000 in San Diego, 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 Diego?
The 2025 FHA loan limit for San Diego (San Diego County) is $1,006,250.
What is the conforming loan limit in San Diego?
The 2025 conforming loan limit for San Diego is $1,006,250. Loans above this are considered jumbo.