Mortgage rates

National averages from free public sources, each with its source and as-of date. Jump to the calculator.

Rate comparison

Product	Rate	As of	Frequency	Source

Trend

Mortgage calculator

Home price ($) Down payment ($) Down payment (%) Loan term Interest rate (%) Property tax (% of price per year) Home insurance ($ per year) HOA ($ per month, optional) Extra monthly payment ($, optional)

Monthly payment breakdown

Amortization schedule by year

Year	Principal paid	Interest paid	Ending balance

Full monthly amortization schedule

Month	Payment	Principal	Interest	Balance

Estimates only, not a loan offer. PMI is a rough guess based on loan to value and varies by lender, credit score, and loan type. Taxes, insurance, and HOA vary by location. Ask a lender for a Loan Estimate.

Payoff what-if

Compare your current loan against extra payments. Defaults are sample numbers, not yours.

Current balance ($) APR (%) Remaining months Monthly P&I payment ($, blank = calculate) Next payment date Escrow, shown separately ($/mo, optional) Extra principal per month ($) Yearly extra, e.g. bonus ($, every 12th payment) One-time lump sum ($) Lump sum date Biweekly payments (13 per year) Target payoff in months (solves extra monthly, optional)

Baseline With extra payments

Amortization table (scenario vs baseline)

#	Date	Payment	Interest	Principal	Ending balance	Total interest	Total paid

Not financial advice. Extra money goes 100% to principal. Biweekly is modeled as one extra monthly payment per year spread across 12 months, which approximates 13 payments a year. Check with your servicer that extra payments are applied to principal and whether any prepayment terms apply. Estimates only.

Rate data: Freddie Mac PMMS and Optimal Blue Mortgage Market Indices (OBMMI), retrieved from FRED, Federal Reserve Bank of St. Louis. These are national averages, not offers. Your rate will differ. This product uses the FRED API but is not endorsed or certified by the Federal Reserve Bank of St. Louis.