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Get a quick opinion on whether you could get a loan given your income, savings, credit score, and location.
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This chart shows where your monthly mortgage payment goes—like how much goes toward the loan, taxes, insurance, and other fees—so you can understand what you're really paying for each month. Note that we are estimating your tax, home insurance, and PMI baed on the state you entered. Your actual numbers could vary.
This chart shows how much interest you pay each year versus how much goes toward paying down the loan itself. It also tracks how your total loan balance shrinks year after year, helping you understand how your payments shift over time.
This chart shows how much money you'll have paid in principal (loan amount), interest, taxes, and insurance over time. It helps you see the full cost of the mortgage.
This chart shows how your yearly mortgage payments are split between interest, loan repayment, and other fees. Early in the loan, most of your payments go toward interest. Over time, that shifts — more of your payment goes toward reducing the loan balance. If your equity was under 20% at the beginning of the loan, you will also pay PMI. But that PMI goes away once your equity goes above 20%.
At the beginning, your equity is equal to your down payment. As you make mortgage payments, you slowly pay off the loan — your equity from loan grows.
At the same time, your home may go up in value — that’s your equity from appreciation.
This chart combines both: how much you've paid off and how much your home’s value has grown.
The chart uses the average annual house value appreciation for the last 30 years for the state ou entered.
DISCLAIMER: mortgage-rates.ai is an independent information platform created to promote greater transparency in the mortgage market for the benefit of borrowers. mortgage-rates.ai is not a lender, mortgage broker, or financial advisor, and is not registered with the Nationwide Mortgage Licensing System (NMLS). Nothing contained on this website shall be construed as an offer to lend, solicit, or extend credit of any kind.
The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 400 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.
Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@mortgage-rates.ai
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.
The mortgage rates displayed on this site are collected daily from publicly available sources provided by more than 400 lenders. Mortgage-Rates.ai does not receive compensation for listing these rates, and all rates are presented as published by the respective lenders. While every effort is made to ensure accuracy, the information may contain errors or omissions. Mortgage rates are highly dependent on an individual’s financial circumstances, credit profile, loan terms, and other factors. As such, the rates you are quoted directly by a lender may differ materially from the rates displayed here.
Users should contact lenders directly to obtain formal, binding loan offers. If you identify any discrepancies in the data or would like to have your institution’s rates included, please contact us at content@mortgage-rates.ai
All logos, trademarks, and brand names appearing on this website are the property of their respective owners.