Adjust the numbers below to see an estimated price range, monthly payment, and how San Francisco property taxes factor in.
Car loans, student loans, credit cards, and other required minimums — not rent.
Conventional loans typically require at least 3% down. PMI applies below 20% down — you can request cancellation once your loan balance reaches 80% of the home's original value, and it's automatically removed at 78%, assuming a good payment history.
Rates change daily — this is a placeholder. We'll connect you with a lender for a real quote.
Veterans receiving VA disability compensation — and some Purple Heart recipients and surviving spouses — are exempt from the funding fee entirely. The fee is higher on any use after your first VA-backed loan.
Each level applies a different front-end/back-end debt-to-income (DTI) ratio: Conservative (28%/36%), Standard (33%/41%), Stretch (38%/50%). "Stretch" leaves the least monthly cushion and works best with strong reserves or income a lender will count.
San Francisco's effective rate is about 1.2% — adjust if you're buying elsewhere.
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Estimate only — not a loan offer, quote, or pre-approval.
We use your income and monthly debts to estimate a comfortable housing payment, then work backward — accounting for your down payment, interest rate, loan term, property tax, insurance, and HOA dues — to a home price range.
Yes. California's Proposition 13 caps the base property tax rate around 1%, and most San Francisco properties land closer to an effective 1.1–1.3% once local assessments are added. The default here is 1.2%, and you can adjust it.
No — this is a planning estimate, not a lender's underwriting decision. A pre-approval considers your credit, assets, and full financial picture. We can connect you with a trusted lender for that next step.
Yes. San Francisco County's 2026 FHA and conforming loan limit is $1,249,125 for a single-family home. Above that, conventional financing moves into jumbo territory with stricter terms, and FHA financing isn't available at all. VA loans have no county limit for eligible veterans with full entitlement.