Payment sensitivity
How much does a rate change cost?
Rates move a little almost every week. This shows what a quarter, half, or full point does to your monthly principal and interest, so you can judge whether it's worth waiting, or locking now.
$
$
%
| Rate | Monthly P&I | vs. base |
|---|---|---|
| 5.88%−1.00 | $1,894 | −$209 |
| 6.38%−0.50 | $1,997 | −$106 |
| 6.63%−0.25 | $2,050 | −$53 |
| 6.88%base | $2,103 | – |
| 7.13%+0.25 | $2,157 | +$54 |
| 7.38%+0.50 | $2,211 | +$108 |
| 7.88%+1.00 | $2,321 | +$218 |
$320,000 loan · 30-yr · base rate: Mortgage News Daily 30-year fixed, September 4, 2026
Important disclosures
- This calculator is for general information only and is not financial, tax, or lending advice.
- It is not a loan approval, a commitment to lend, or a rate quote.
- Your actual rate and APR depend on your credit, loan-to-value, debt-to-income, loan program, and the lender, and change daily.
- Property taxes, homeowner's insurance, HOA dues, PMI, and mortgage insurance are estimated or excluded unless shown, and vary by home and location.
- FHA loans carry mortgage insurance premiums; VA loans have eligibility requirements and a funding fee. Neither is included in the principal-and-interest figure.
- Talk to a licensed lender for numbers specific to your situation.