Mortgage Comparison

Compare mortgages with real numbers.

See 30-year fixed, 15-year fixed, and 5/1 ARM loans side by side with live rates, full monthly payments, and a recommendation tuned to how long you plan to own.

Live rates from Freddie Mac, updated June 25, 2026

Down Payment

Amount you can put down

$
$0$500,000

Credit Score

Your estimated FICO score

720Good
300850

Ownership Period

How long you plan to own

7years
1 year30 years

Max Monthly Payment

Total you're comfortable paying (PITI)

$
$500/mo$10,000/mo

Your Loan Options

Based on your inputs, here is how each loan stacks up

30-Year Fixed

Lowest monthly payment, predictable rate

Estimated Monthly Payment

$3,000

Principal, interest, taxes, insurance, PMI

Interest Rate6.24%
Loan Term30 years
Down Payment$60,000 (14.1%)
Loan-to-Value (LTV)85.9%
Est. Affordable Loan$365,731
Est. Home Price$425,731

Monthly Breakdown

Principal + Interest$2,249
Property Tax$390
Homeowners Insurance$177
PMI$183

Over Time

Total Interest (full term)$444,086
Interest Paid (7-yr ownership)$152,450
Payoff Balance at Sale$329,224
Recommended

15-Year Fixed

Build equity fast, pay less interest overall

Estimated Monthly Payment

$3,000

Principal, interest, taxes, insurance, PMI

Interest Rate5.59%
Loan Term15 years
Down Payment$60,000 (17.1%)
Loan-to-Value (LTV)82.9%
Est. Affordable Loan$290,489
Est. Home Price$350,489

Monthly Breakdown

Principal + Interest$2,387
Property Tax$321
Homeowners Insurance$146
PMI$145

Over Time

Total Interest (full term)$139,249
Interest Paid (7-yr ownership)$94,517
Payoff Balance at Sale$184,462

Why we recommend this

  • Maximizes equity built before you sell
  • Lowest total interest paid during your ownership period
  • Lowest remaining balance when you sell or pay off the loan

5/1 ARM

Fixed for 5 years, then adjusts annually

Estimated Monthly Payment

$3,000

Principal, interest, taxes, insurance, PMI

Interest Rate5.75% initial
Rate After Year 57% est.
Loan Term30 years
Down Payment$60,000 (13.6%)
Loan-to-Value (LTV)86.4%
Est. Affordable Loan$380,751
Est. Home Price$440,751

Monthly Breakdown

Principal + Interest$2,222
Property Tax$404
Homeowners Insurance$184
PMI$190

Over Time

Total Interest (full term)$501,455
Interest Paid (7-yr ownership)$154,473
Payoff Balance at Sale$341,996

How these numbers are estimated

Your max monthly payment is treated as a full housing payment, so each estimate includes principal and interest plus property tax (1.1% of home value per year), homeowners insurance (0.5% per year), and PMI (0.6% of the loan per year) whenever your down payment is under 20%. The 5/1 ARM models the rate reset after year 5 rather than assuming the starter rate lasts the full term.

These estimates are for informational purposes only and do not constitute a loan offer. Actual rates, terms, and approval amounts will vary based on your full financial profile. Consult a licensed mortgage professional for personalized advice.

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