30-Year Fixed Mortgage Calculator 2026
Calculate your exact monthly payment, total interest, and full amortization schedule for a 30-year fixed-rate mortgage. Updated with October 2026 rates (7.25%).
QUICK ANSWER: 30-Year Fixed Mortgage Payments at 7.25% (Oct 2026)
$200K loan = $1,365/mo | $280K loan = $1,910/mo | $350K loan = $2,388/mo | $450K loan = $3,070/mo (principal & interest only). Add ~$400-600/mo for taxes, insurance, and PMI for your total payment.
30-Year Fixed Monthly Payments by Loan Amount & Rate
| Loan Amount | 7.00% | 7.25% | 7.50% | 7.75% |
|---|---|---|---|---|
| $150,000 | $998 | $1,023 | $1,049 | $1,074 |
| $200,000 | $1,331 | $1,365 | $1,398 | $1,433 |
| $280,000 | $1,863 | $1,910 | $1,958 | $2,006 |
| $350,000 | $2,329 | $2,388 | $2,447 | $2,507 |
| $450,000 | $2,994 | $3,070 | $3,146 | $3,224 |
| $550,000 | $3,659 | $3,753 | $3,845 | $3,940 |
| $700,000 | $4,657 | $4,776 | $4,894 | $5,015 |
Principal & interest only. Does not include property taxes, insurance, or PMI. Current avg 30-yr rate: 7.25% (Oct 20, 2026, Zillow/Freddie Mac).
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Monthly Payment
$2,037
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Your estimated payment: $2,037/mo
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Understanding Your Mortgage
Principal vs Interest
In the early years of your mortgage, most of your monthly payment goes toward interest. As you pay down your loan, more goes toward principal. Compare lenders to find a lower rate →
Extra Payments
Making even small additional payments can significantly reduce your loan term and save thousands in interest over the life of your loan. Get pre-approved to start saving →
Amortization
An amortization schedule shows how your loan balance decreases over time as you make payments, eventually reaching zero at the end of your loan term. Find your best lender match →
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Compare 30-year rates from 50+ lenders — some offer below 7.00% today.
0.25% lower rate saves $59/mo ($21,400 over 30 years) on a $350K loan.
30-Year vs 15-Year Mortgage: Which Is Better in 2026?
How Extra Payments Reduce Your 30-Year Mortgage
On a $280,000 loan at 7.25%, here's what extra monthly payments do:
| Extra Payment/Mo | Payoff Time | Years Saved | Interest Saved |
|---|---|---|---|
| $0 (standard) | 30 years | — | — |
| +$100/mo | 25.5 years | 4.5 years | $73,000 |
| +$200/mo | 22.5 years | 7.5 years | $120,000 |
| +$500/mo | 17 years | 13 years | $203,000 |
| +$650/mo (= 15-yr pmt) | 15 years | 15 years | $243,000 |
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