Santa Ana, CA Mortgage Calculator
Estimate your monthly mortgage payment in Santa Ana including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$4,110
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $544,000
LTV: 0.01%
P&I Payment
$3,601
Total Interest
$752,359
over loan life
Payoff
30 yr
Closing Costs
$8,778–$16,386
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 | $3,601 | $450 | $3,151 | $543,550 | $3,151 |
| 2 | $3,601 | $453 | $3,148 | $543,097 | $6,299 |
| 3 | $3,601 | $456 | $3,145 | $542,641 | $9,444 |
| 4 | $3,601 | $458 | $3,143 | $542,183 | $12,587 |
| 5 | $3,601 | $461 | $3,140 | $541,722 | $15,727 |
| 6 | $3,601 | $464 | $3,137 | $541,259 | $18,865 |
| 7 | $3,601 | $466 | $3,135 | $540,792 | $21,999 |
| 8 | $3,601 | $469 | $3,132 | $540,323 | $25,131 |
| 9 | $3,601 | $472 | $3,129 | $539,852 | $28,261 |
| 10 | $3,601 | $474 | $3,127 | $539,378 | $31,387 |
| 11 | $3,601 | $477 | $3,124 | $538,900 | $34,511 |
| 12 | $3,601 | $480 | $3,121 | $538,421 | $37,632 |
Months 1–12 of 360
2025 Loan Limits — Orange 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 — Santa Ana Mortgage
What is the average mortgage payment in Santa Ana?
Based on the median home value of $680,000 in Santa Ana, 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 Santa Ana?
The 2025 FHA loan limit for Santa Ana (Orange County) is $1,209,750.
What is the conforming loan limit in Santa Ana?
The 2025 conforming loan limit for Santa Ana is $1,209,750. Loans above this are considered jumbo.