Calculator
Mortgage & Rate Impact
Enter your home price, down payment, and loan term. We pull the current 30-year fixed mortgage rate live from the Federal Reserve so you always see an up-to-date estimate — plus 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
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.