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 |
|---|---|---|
| 6.29%−1.00 | $1,979 | −$213 |
| 6.79%−0.50 | $2,084 | −$108 |
| 7.04%−0.25 | $2,138 | −$54 |
| 7.29%base | $2,192 | – |
| 7.54%+0.25 | $2,246 | +$55 |
| 7.79%+0.50 | $2,301 | +$110 |
| 8.29%+1.00 | $2,413 | +$221 |
$320,000 loan · 30-yr · base rate: Mortgage News Daily 30-year fixed, October 29, 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.