Mortgage Affordability Calculator Fremont, CA
How much house can you afford in Fremont? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
Car loans, credit cards, lines of credit, student loans. Not rent.
Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Diversified Mortgage Group
5.0 · 140 reviews · Free pre-approval
Get pre-approved →
Kamna Mittal at Guaranteed Rate Affinity (NMLS #926641)
4.9 · 92 reviews · Free pre-approval
Get pre-approved →
MACCIOLA INC | Voted Best Company 7 Years in a Row
5.0 · 30 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Top-rated mortgage brokers in Fremont
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Diversified Mortgage Group
Known for its user-friendly mobile app that combines home search with mortgage financing, Diversified Mortgage Group offers a wide range of loan options including conventional, FHA, VA, USDA, and renovation loans. Customers appreciate the team’s clear guidance and responsiveness throughout purchase and refinance processes, though some note the fast pace can feel intense.
Kamna Mittal at Guaranteed Rate Affinity (NMLS #926641)
Known for clear communication and timely handling of complex cases, this team guides clients through mortgage processes with transparency and responsiveness. They assist with home purchases and refinancing, often closing on tight schedules without surprises. Customers appreciate their proactive updates and thorough support throughout each step.
MACCIOLA INC | Voted Best Company 7 Years in a Row
Macciola Inc specializes in real estate transactions and loan services across California and Tennessee, using the Brivity platform to streamline the process. The team assists with buying, selling, and financing homes, and clients often highlight their clear communication and smooth, responsive service throughout each step.
Supreme Lending
Known for a wide range of mortgage options including conventional, FHA, VA, and renovation loans, Supreme Lending focuses on guiding clients through each step with patience and clear communication. The team works closely with first-time buyers and seasoned homeowners alike, with many customers appreciating their supportive approach and transparency throughout the process.
Anu Batra | The Batra Team
The Batra Team specializes in guiding clients through the home buying process with attentive support and clear communication. They assist with real estate transactions and connect buyers to lenders, often staying involved even after closing to ensure follow-up needs are met. Customers appreciate their professionalism and personal approach, though some note the process can require patience.
TransGlobal Lending - Top Mortgage Broker in Bay Area
TransGlobal Lending is known for handling complex mortgage situations with clear and prompt communication, often closing loans ahead of schedule. Their team assists with purchase loans and refinancing, providing responsive support throughout the process. Customers appreciate their attentiveness and smooth coordination with lenders.
Stepheny Chang - Mortgage and Real Estate
Specializing in navigating complex mortgage situations, Stepheny Chang offers clear guidance and proactive support throughout the loan process. The team handles everything from loan applications to securing favorable rates, keeping clients informed with regular updates. Customers appreciate the thorough communication and hands-on approach that helps ease the stress of home financing.
Fremont Mortgage Statistics
Home-purchase lending in Alameda County and home costs in Fremont, CA (latest HMDA and Census data)Lenders made 9,676 home-purchase loans in Alameda County in 2025 (average about $898,000) and denied 960 — 9% of decided applications, compared with 12% across California, according to federal mortgage data (HMDA, CFPB). In Fremont, the median home is worth $1,403,800 and 71% of owners have a mortgage, paying a median $4,001 a month (Census ACS 2020–2024).
- Home-purchase loans, 2025
- 9,676▼ 6%10,288 in 2024
- Denial rate
- 9%CA 12%
- Median home value
- $1,403,800CA $734,700
- Monthly cost with a mortgage
- $4,001median · CA $2,946
- Refinance loans made (Alameda County, 2025)
- 8,720 · 5,395 in 2024
- Home-improvement loans made (2025)
- 1,865
- Average home-purchase loan
- $898,000 (CA $711,000)
- Owners with a mortgage
- 71% · 27% of them spend 30%+ of income on housing
- Median household income
- $181,506 (CA $99,122)
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Alameda County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Diversified Mortgage Group | 5.0 | 140 | Quoted per loan | (510) 494-7840 | Visit |
| 2 | Kamna Mittal at Guaranteed Rate Affinity (NMLS #926641) | 4.9 | 92 | Quoted per loan | (650) 316-2169 | Visit |
| 3 | MACCIOLA INC | Voted Best Company 7 Years in a Row | 5.0 | 30 | — | (510) 737-0343 | Visit |
| 4 | Supreme Lending | 5.0 | 26 | Quoted per loan | (650) 400-9284 | Visit |
| 5 | Anu Batra | The Batra Team | 5.0 | 25 | Quoted per loan | (510) 673-8452 | Visit |
| 6 | TransGlobal Lending - Top Mortgage Broker in Bay Area | 5.0 | 9 | Quoted per loan | (650) 430-7299 | — |
| 7 | Stepheny Chang - Mortgage and Real Estate | 5.0 | 7 | Quoted per loan | (650) 427-0222 | Visit |
| 8 | Associated Mortgage Group | 5.0 | 1 | — | (510) 505-1050 | — |
| 9 | Amber Farooqui - PNC Mortgage Loan Officer (NMLS #527380) | 5.0 | 1 | — | (510) 340-8663 | Visit |
| 10 | Horizon Financial Associates | 5.0 | 1 | — | (510) 377-9059 | — |
How this Fremont mortgage affordability calculator works
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
California rules and numbers this calculator uses
- Debt-to-income
- 31% for housing and 43% total, the FHA standard and the long-time Qualified Mortgage limit. Some conventional loans go higher with strong credit and savings.
- Down payment
- At least 3% on a conventional first-time buyer loan (3.5% on FHA). Under 20% down, private mortgage insurance of about 0.6% of the loan a year is added to the payment.
- Property tax
- About 0.69% of the home's value a year, the California average for owner-occupied homes (2024 Census ACS).
- Insurance
- Homeowners insurance assumed at $150 a month; it varies a lot by home and location.
- Rate
- Starts at 7.40% (Freddie Mac 30-year average, October 2026). Change it to the rate you have been quoted.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
Frequently asked questions
10 questionsHow does the Fremont mortgage affordability calculator work?
What is the debt-to-income ratio for mortgages in California?
What's the minimum down payment for a home in Fremont?
How does PMI affect my mortgage in California?
How do interest rates impact how much I can afford?
How do debts affect my mortgage qualification?
What are property taxes like in Fremont, California?
What's the difference between pre-approval and pre-qualification?
How much house can I afford on a $100k salary in Fremont?
What does a mortgage broker do?
General information, not financial advice — consult a qualified professional.