Loan Scenario Calculator

Use this calculator to compare CalHFA loans. This tool is intended for loan officers and lending partners. If you are a homebuyer, please have your loan officer walk through this with you. This tool is for estimation purposes only. Final loan figures may be different.

Loan Scenario Calculator Update

12/09/2025 - This calculator is using the new limits effective for all new locks after January 1, 2026, per Program Bulletin 2025-10.


FNMA AMI Lookup tool.

Include All Title/Escrow/Lender Fees, Prepaids, etc.


Note: ZIP funds can only be applied to closing costs

Note: Cannot Exceed 5% of the Purchase Price



Note: ZIP funds can only be applied to closing costs

Note: Cannot Exceed 5% of the Purchase Price



Note: ZIP funds can only be applied to closing costs

Note: Cannot Exceed 5% of the Purchase Price

Calculation Results:


Program Name


Rate Entered:





Base First Loan Amount


Upfront FHA/MI Premium/VA Funding Fee


High Balance Fee





Total First Loan Amount


Total Downpayment


Total Financing From CalHFA





Loan LTV


Loan CLTV


Borrower Estimated Contribution


Includes Minimum Down Payment Requirement Above


Monthly P&I Payment


Estimated Monthly Property Taxes


Estimated Monthly Hazard Insurance Payments


Estimated Monthly Mortgage Insurance Premium


Total Estimated Monthly Payments