Free Tool

Mortgage Rate Calculator

Run live payment estimates for 30-year, 15-year, adjustable-rate, and reverse mortgages. All calculations include PITI — principal, interest, taxes, insurance, and HOA.

Loan Details

$
%
%
% of value
$
$

Monthly Payment Breakdown

Total Monthly Payment (PITI + HOA)

$5,326

Principal & Interest

$4,397

Property Tax

$779

Insurance

$150

HOA

$0

Loan Amount

$680,000

Down Payment

$170,000

Total Interest Paid

$902,889

Total Cost of Loan

$2,087,389

* Estimates only. Consult a licensed mortgage professional for exact figures.

Historical Context

U.S. Mortgage Rate Trends

January 2020 – April 2026 · Source: Freddie Mac Primary Mortgage Market Survey

Jan '20Jan '21Jan '22Jan '23Jan '24Jan '25Jan '262%4%6%8.5%
  • 30Y Fixed
  • 15Y Fixed
  • 5/1 ARM

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