APR Mortgage Calculator

Calculate the Annual Percentage Rate (APR) for your mortgage including closing costs and points.

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Loan Details

$
%
30 years
$
%

APR Results

Interest Rate6.5%
APR6.8%
Monthly Payment$1,896
Total Interest$382,633
Total Cost$690,633
How it works›

Model and assumptions. Solves for the monthly rate that discounts the scheduled payments to the amount financed after fees, then annualizes it. This is a regular-payment estimate; actual APR disclosures can use additional charges and payment-date rules.CFPB: mortgage termsOpenStax: annuity formulas