Here's an easy to use guide for estimating your mortgage payment

Keep in mind that property taxes and insurance must be paid in addition and a lender will take this into consideration when determining your maximum loan amount.

Also, there may be Homeowner Association fees and Mello-Roos assessments (Mello-Roos assessments are created when a builder passes along the cost of streets, lights sewer, etc to the homeowner, usually charged on your property tax bill, and are in addition to the property taxes). These fees vary from development to development.

California property taxes are based on 1% of the purchase price (plus some small amount for schools, etc), usually ending up about 1.2%. Property purchased at $150,000 would be assessed at approximately $1,800 for the first year.

Estimate of monthly principle and interest payment. Locate the current interest rate and look under the column for either 15-year or 30-year rates. Multiply that figure by the number of thousands of dollars of loan amount (i.e. if you are borrowing $185,000, you multiply by 185)