A precise, transparent payment calculator built for San Diego's market conditions — including county property tax, homeowners insurance, PMI, HOA dues, and every major loan program. No email wall. No surprises.
| Loan Program | Rate | APR | Change | Est. Payment | |
|---|---|---|---|---|---|
|
30-Year FixedConventional · Conforming
|
6.375% | 6.481% | ↓ 0.062 | $4,994 /mo | Get Quote → |
|
15-Year FixedConventional · Conforming
|
5.625% | 5.762% | ↓ 0.045 | $6,592 /mo | Get Quote → |
|
5/1 ARMAdjustable Rate Mortgage
|
5.875% | 6.912% | ↑ 0.025 | $4,733 /mo | Get Quote → |
|
30-Year FHA3.5% down · First-time buyers
|
6.125% | 7.081% | ↓ 0.050 | $4,861 /mo | Get Quote → |
|
30-Year VA0% down · Eligible veterans
|
5.990% | 6.241% | — 0.000 | $4,790 /mo | Get Quote → |
|
30-Year JumboAbove $1,209,750 (SD limit)
|
6.625% | 6.712% | ↓ 0.075 | $9,600 /mo | Get Quote → |
Pacific Crest Home Loans has served San Diego County homebuyers since 2009. Their team specializes in jumbo financing for the coastal corridor, VA loans for military families in Coronado and Point Loma, and first-time buyer programs county-wide — all with transparent pricing and in-house underwriting.
The standard 30-year loan. Requires solid credit and typically 5–20% down. Once equity exceeds 20%, PMI can be removed — lowering your payment for the remainder of the loan.
Explore Conventional →A government-backed option designed for first-time and credit-flexible buyers. Down payments can start as low as 3.5%, though mortgage insurance is required for the life of most FHA loans.
Explore FHA →Available to eligible active-duty service members, veterans, and surviving spouses. Zero down payment, no PMI, and competitive rates make this an exceptional benefit, especially in a military town like San Diego.
Explore VA →Required for any San Diego loan above the 2026 conforming limit of $1,209,750. Jumbo loans follow stricter underwriting, but the best lenders can often deliver rates competitive with conventional loans.
Explore Jumbo →Fixed rate for an introductory period (commonly 5, 7, or 10 years), then adjustable. A sensible option for borrowers who expect to sell or refinance before the first rate adjustment.
Explore ARM →Replace your current mortgage with a new one — to lower your rate, shorten your term, or pull equity through a cash-out refinance. Our calculator makes it easy to model the break-even.
Explore Refinance →San Diego is one of the least affordable major metropolitan housing markets in the United States, which makes understanding your full payment — not just principal and interest — essential before writing an offer. Property taxes in San Diego County run roughly 1.11% of assessed value once voter-approved bonds and Mello-Roos fees are included, a meaningful line item on a million-dollar home.
Because median prices sit above most national loan limits, jumbo financing is common across neighborhoods like La Jolla, Del Mar, Carmel Valley, and Rancho Santa Fe. The 2026 conforming limit for San Diego County is $1,209,750 — loans above that threshold require jumbo underwriting, typically with stronger credit and reserve requirements.
For first-time buyers, FHA financing remains viable even in higher-priced neighborhoods thanks to the elevated FHA loan limit. Military buyers stationed at MCAS Miramar, Naval Base San Diego, or Camp Pendleton should carefully evaluate the VA loan — zero down, no monthly mortgage insurance, and the same loan limits as conventional conforming in high-cost counties.
Homeowners insurance in San Diego is generally reasonable compared with fire-prone inland counties, but expect higher premiums east of Interstate 15. Flood insurance is typically only required in FEMA-designated zones near the San Diego River, Los Peñasquitos Lagoon, and portions of the Mission Valley floodplain.
Finally, the rate environment matters more in San Diego than in most markets. Because loan sizes are large, even a quarter-point rate difference can translate to $150–$300 per month. Shop lenders, compare loan estimates carefully, and factor the full monthly cost into any offer.