THE NUMBERS BEHIND THE HOME
Imagine the home.
Understand the mortgage.
A clear look at monthly payments, interest, and the path to paying it off.
Your mortgage
MONTHLY PRINCIPAL & INTEREST
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per month · fixed rate
- Loan amount
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- Down payment
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- Total interest
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- Total loan payments
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- Final payment date
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Principal and interest only. Property tax, insurance, HOA fees, PMI and closing costs are excluded. The final payment adjusts for cent rounding. This is an estimate, not a lender quote or APR.
EVERY PAYMENT, CLEARLY
Amortization schedule
All amounts in USD. Copy table pastes into separate spreadsheet columns.
| Payment | Date | Payment ($) | Principal ($) | Interest ($) | Balance ($) |
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About the rate and shareable links
Initial reference: Fed target upper bound 4.00% + 3.32 percentage-point spread = 7.32%. Spread calibrated to Freddie Mac’s October 22, 2026 30-year average.
The Fed does not set mortgage rates. This simplified Fed-plus estimate is calibrated to a 30-year conventional mortgage benchmark; other terms, jumbo loans and individual borrowers can have different rates. Enter a lender’s rate when available. Changing the date does not retrieve a historical rate.
New York Fed benchmark · Freddie Mac mortgage survey
Prefill links accept value (home value in USD), down (percent), date (YYYY-MM-DD), term (whole years), and rate (annual percent). Omitted date defaults to today; omitted rate uses the dated benchmark. Invalid or repeated values must be corrected before calculation.
Your calculations run in your browser. Shared links contain the numbers you entered; only share values you intend others to see.