Calculator
Mortgage & Rate Impact
Enter your home price, down payment, and loan term. The current 30-year fixed mortgage rate is pre-filled from Freddie Mac and Federal Reserve and updated weekly. Find out what a 1-point rate change would mean.
Your Home Details
Monthly Payment
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principal + interest
Loan Amount
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Total Interest
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Total Cost
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What If Rates Changed?
Rate −1%
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—
Current Rate
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your estimate
Rate +1%
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Principal vs. Interest Over Loan Life
Monthly Payments by Home Price
See pre-computed payment tables for common home prices.
Mortgage Payments by City
See how a mortgage on the same home compares across 350 U.S. metros — with local rent data so you can compare buying vs renting in your city.
Each city page uses live Freddie Mac rates and Zillow rent data.
About the Rate Data
The rate shown is the most recent weekly 30-year fixed-rate mortgage average published by Freddie Mac via the Federal Reserve Bank of St. Louis (FRED). It is fetched live each time you load this page. You can override it with any rate your lender has quoted you. This calculator estimates principal and interest only — it does not include property taxes, homeowners insurance, or PMI.