How does the foreign national loan calculator work?

It applies your chosen down payment percentage to the purchase price to find your loan amount and LTV, estimates the monthly principal and interest at your rate and term, and totals the cash to close by adding the down payment, estimated closing costs, and reserves.

What down payment should I use?

Foreign national loans typically require 25 to 40 percent down, with about 30 percent common. Try a few options to see how a larger down payment lowers your loan amount, LTV, and rate.

Does it include reserves?

Yes. The cash-to-close estimate adds a reserve figure because foreign national programs require documented reserves. Your actual reserve requirement is set by the lender and loan size.

Is this a pre-approval?

No. It is an educational estimate only. Your actual loan, rate, and cash to close depend on your documentation, the property, the qualifying path, and lender underwriting.

Foreign National Loan Calculator for California: Down Payment & Cash to Close

Foreign National Loan Calculator for California

For an international buyer the key numbers aren't income — they're down payment and cash to close. Enter a price and your down payment and we'll estimate your loan, LTV, monthly payment, and the total cash you'll need, reserves included, for 2026.

MBReviewed by Mike Basti, Mortgage Broker & Founder · NMLS #377740

How it works

Your down payment % × price sets your loan & LTV; we estimate the payment at your rate, then total cash to close = down + closing costs + reserves. Foreign national down is typically 25–40%. See Requirements.

Estimate your foreign national loan

Down payment and cash to close are the numbers that matter here.

Purchase price ($)

Down payment

Interest rate (%)

Term (years)

Closing costs (% of price)

Reserves (months of payment)

Loan amount
Loan-to-value (LTV)
Est. monthly principal + interest
Down payment
+ Est. closing costs
+ Reserves
≈ Total cash to close

Educational estimate only — not a pre-approval, quote, or commitment to lend. Payment shown is principal & interest only (excludes taxes, insurance, HOA). Closing costs and reserves are estimates; actual figures depend on the property, qualifying path, and lender. Figures illustrative for 2026. Not legal, tax, or immigration advice.

What the numbers mean

The calculator applies your down payment percentage to the price to get your loan amount and LTV — the figure lenders price against — then estimates monthly principal and interest at your rate and term. Most important for an international buyer, it totals cash to close: your down payment, estimated closing costs, and the documented reserves foreign national programs require. That total is the real number to plan and, crucially, to be able to source and document.

Expert tip: On a foreign national loan, the number that trips buyers up isn't the payment — it's the total cash to close, and proving where it came from. Because there's no US credit or income backstop, lenders scrutinize your source of funds closely: the down payment, closing costs, and reserves all need a clean, documented, often translated paper trail showing the money is legitimately yours. So when this calculator shows your cash to close, treat it as two tasks: have the funds, and have the documentation for the funds — ideally seasoned in an accessible account with statements you can produce. Buyers who prepare that trail before making an offer close smoothly; those who don't stall at underwriting. We give you the exact sourcing checklist for your country. Get your real numbers →

Reviewed by the licensing team at Save Financial, a California-licensed mortgage brokerage (NMLS #377740, DRE #01875766) founded in 2009 and serving all 58 counties. This page does not provide legal, tax, or immigration advice.

Foreign National Loan Calculator for California

Estimate your foreign national loan

What the numbers mean

Keep learning

See your cash to close? Let's confirm it — and how to document it.