This calculator is provided as a tool for potential applicants to determine whether they would meet the minimum requirements for a University of California Mortgage Origination Program loan. The key program parameters are:

  • Applicants must be members of the Academic Senate or Senior Management Group
  • The ratio of all secured monthly mortgage payments (principal + interest) to total verified monthly household income may not exceed 40% (P&I/Income Ratio). If you are receiving secondary financing, this ratio is called the Combined P&I/Income ratio.
  • The ratio of all monthly debt obligations (housing and non-housing debt) to total verified monthly household income may not exceed 48% (Overall Debt/Income Ratio).
  • Maximum loan-to-value ratios (LTV) are as follows:
    - For MOP loans <= $2,370,000*, maximum LTV is 90%
    - For MOP loans > $2,370,000*, maximum LTV is 80%
* Loans greater than $2,370,000 require additional campus and systemwide approvals.

These parameters indicate the generally allowed factors, however, each loan application is separately reviewed and a pre-approval or final loan approval may be based upon more restricted parameters. Output from this calculator is based on "estimates only" for informational purposes and does not constitute a pre-qualification.

Enter Location:
Purchase County
Select purchase city, if listed. The listed cities have a transfer tax generally paid by the purchaser. If city is not listed, click on Select a City before moving to next field.
County/City Purchase Location:
Total Monthly Income:
Purchase Price
Loan Amount
Loan Term (# of months)
Select Loan Type
Loan Interest Rate
Secondary Financing - loan amount
Secondary Financing - estimated monthly payment
Supplemental Home Loan Program
Monthly Homeowner Association Fees
Monthly Ground Lease (Rent)
Other Monthly Debt Payments (i.e. Mortgage pmts on real estate owned property, installment loans, credit card debts, etc.)
Property Type

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