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30Y Mortgage7.24% Gold$3,919.8 Silver$49.59 Platinum$1,422 Palladium$955 BRK.B$556.11 ▲2.51%JPM$340.58 ▲1.05%LLY$1,410.99 ▼0.46%V$425.51 ▲2.88%WMT$127.69 ▲3.38%ORCL$119.22 ▼8.76%MA$658.10 ▲3.15%XOM$179.67 ▼4.05%JNJ$270.56 ▼0.97%TSM$398.63 ▼1.85%BTC$77,615 ▲1.04%ETH$2,284.33 ▲1.60%BNB$696.69 ▲0.11%XRP$1.27 ▲2.02%SOL$93.2 ▲1.80%TRX$0.32 ▲2.09%ZEC$1,203.82 ▲4.51%HYPE$85.17 ▲1.88%XMR$629 ▲3.69%DOGE$0.08 ▲1.76%30Y Mortgage7.24% Gold$3,919.8 Silver$49.59 Platinum$1,422 Palladium$955 BRK.B$556.11 ▲2.51%JPM$340.58 ▲1.05%LLY$1,410.99 ▼0.46%V$425.51 ▲2.88%WMT$127.69 ▲3.38%ORCL$119.22 ▼8.76%MA$658.10 ▲3.15%XOM$179.67 ▼4.05%JNJ$270.56 ▼0.97%TSM$398.63 ▼1.85%BTC$77,615 ▲1.04%ETH$2,284.33 ▲1.60%BNB$696.69 ▲0.11%XRP$1.27 ▲2.02%SOL$93.2 ▲1.80%TRX$0.32 ▲2.09%ZEC$1,203.82 ▲4.51%HYPE$85.17 ▲1.88%XMR$629 ▲3.69%DOGE$0.08 ▲1.76%

Calculators

Want a dedicated tool? Try the down payment & monthly payment calculator (with PMI) or how long to save.

Free mortgage, affordability, closing-cost and rent-vs-buy calculators for people planning to buy their first home.

Mortgage payment

Home priceDown %Rate %YearsProperty tax %/yrInsurance $/yr

Affordability

Gross income $/yrMonthly debts $Down payment saved $Rate %

Uses 36% total DTI, ~1.5% tax+ins

Closing costs

Home priceClosing cost %

Typical buyer range 2–5%. See your state.

Rent vs buy (N years)

Rent $/moRent growth %/yrHome priceAppreciation %/yrYears

Extra payments

Loan amountRate %YearsExtra $/mo

Extra amount goes to principal every month, starting with the first payment.

Related guides

Debt-to-Income Ratio: The Number That Decides How Much House You Can BuyHow lenders calculate DTI, front-end vs. back-end ratios, worked examples at today's…Your Credit Score and Your Mortgage Rate: What Matters and How to Improve ItHow credit scores are built, why they change what you pay for a mortgage, and…15-Year vs. 30-Year Mortgage: Which Term Fits Your Budget?Compare monthly payments and total interest on 15- and 30-year mortgages at this…

Common questions

Are these calculators free?

Yes. They run in your browser with no sign-up, and nothing you type is sent to us.

Where does the default interest rate come from?

It is this week's average 30-year fixed rate, 7.24%, from Freddie Mac's Primary Mortgage Market Survey as published on FRED.

How much are closing costs?

Buyers typically pay about 2% to 5% of the price. Each state page breaks down transfer taxes and typical fees.

Updated October 29, 2026. Official sources: Freddie Mac PMMS, FRED, Federal Reserve Bank of St. Louis, CFPB: Buying a house.