Payment calculator by program

Estimate a monthly payment using your own numbers. Every field starts blank, including the interest rate: type the rate a lender quoted you.

Weekly national average mortgage rates

National weekly averages from a survey. Not a quote, not an offer, and not your rate. Your rate depends on your loan, your lender, and the day you lock.

30-year fixed-rate mortgage

7.18%

15-year fixed-rate mortgage

6.57%

U.S. weekly averages as of November 5, 2026. Freddie Mac publishes the survey weekly, on Thursdays.

Source: Freddie Mac, Primary Mortgage Market Survey® (freddiemac.com/pmms). Used with attribution; this site isn’t affiliated with or endorsed by Freddie Mac. These averages don’t fill in the calculator; type the rate a lender quoted you.

Estimate principal, interest, taxes, and insurance

Loan programChanges which fee rules apply. ConventionalFHAVAUSDA

Purchase price Dollar amount.

Down payment Dollar amount. 0 is allowed.

Down payment entered asDollars or percent of price.Dollars ($)Percent of price (%)

Interest rate (%) The annual rate a lender quoted you. This site does not supply rates.

Loan termFixed-rate term.30 years25 years20 years15 years10 years

Optional: estimate property taxes from a ZIP code

Only the ZIP code is used, never an address. The lookup runs in your browser using data files from this site. If the tax box is blank, the estimate fills it in; if you typed your own number, it stays, and you get a button to replace it if you want. No insurance figure is supplied: get insurance quotes and type the premium yourself.

ZIP code

Look up estimates

Property taxes per year optional Leave blank to leave taxes out.

Homeowner’s insurance per year optional From your insurance quote. This site doesn’t supply an insurance figure. Leave blank to leave insurance out.

HOA dues per month optional Leave blank if none.

PMI rate (% per year) optional From your lender. PMI varies, so there is no default. Leave blank to leave PMI out.

Estimate paymentClear

What this calculator does and doesn’t do

• Applies each program’s published upfront and annual fee rules, with the source shown under the result.
• Uses a fixed rate for the whole term. For adjustable rates, see How a mortgage payment works and the ARM worst-case calculator.
• Uses the tax and insurance you enter. On a newly built home those can rise after the home is valued; see The new-build escrow jump and the escrow jump calculator.
• Does not check program eligibility, minimum down payments, or loan limits for your county.
• The optional ZIP tax estimate is rough: it uses a county-wide Census ratio (median taxes paid ÷ median home value) and is not a tax bill. No insurance figure is shown; use your own insurance quote.
• Runs entirely in your browser. Nothing you type is sent anywhere or saved.

Guidelines change; confirm with a licensed lender.