Calculator
Mortgage payment
This is principal and interest only. Property tax, insurance, and HOA sit on top. The default rate is this week’s Freddie Mac 30-year average, 6.95% as of September 17, 2026.
Principal and interest
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- Interest over the full term if the rate never changes—
- Total paid—
Formula: standard fully amortizing payment. Source for the default rate: Freddie Mac PMMS, week of September 17, 2026. Not a lender quote.