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2021 California Loan Requirements

This page updated and accurate as of February 16, 2026 FHA Mortgage Source

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Purchase price

Please enter here the amount you expect to pay for a home.

Down payment

Down payment is cash that you pay upfront for your home.

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Number of years you have to pay.

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The percentage of interest that you will pay on your mortgage for a specific term.

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Most lenders require home insurance. Enter its price here.

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PMI

PMI is Private Mortgage Insurance which is usually required to pay if your Down payment less than 20%.

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