MBReviewed by Mike Basti, Mortgage Broker & Founder · NMLS #377740
How it works
Down % is set by your credit tier & occupancy (15% strong primary → 30% investment). Loan = price − down. Payment = P&I + taxes + insurance (PITI). Cash to close ≈ down + closing costs. See Requirements.
California ITIN Loan Calculator
Estimated monthly payment (PITI)
$0
Down payment (15%)$0
Loan amount$0
Principal & interest$0
Property tax + insurance + HOA$0
Est. cash to close (down + costs)$0
Reading your result
- Down payment follows your credit tier — 15% for a strong primary buyer, up to 30% for investment.
- PITI is the true monthly cost: principal, interest, taxes, insurance (and HOA).
- Cash to close is your down payment plus closing costs (~2–4% of price); reserves may be required on top.
- Lowering the rate — via a bigger down payment, stronger credit, or shopping lenders — cuts the P&I directly.
Expert tip: The number to focus on isn't the payment — it's the cash to close. For an ITIN buyer, that's usually the real gate: 15–25% down plus closing costs plus reserves is a meaningful sum, and it's what determines whether you can move now or need a few more months of saving. Run the calculator with your actual credit tier, then compare the cash-to-close to what you have. If you're close, a stronger alternative-credit file can sometimes move you to a lower down-payment tier and shrink the gap. We'll tell you exactly which lever moves your number most. Confirm my 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 from offices in Newport Beach and Marina del Rey.