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Find out how much you may be able to spend on your next home.

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What could my mortgage payment and APR be?

Use this ARM mortgage calculator to get an estimate.

An adjustable-rate mortgage (ARM) is a good short term mortgage option that offers a lower initial interest rate and monthly payment. After your introductory rate term expires, your payment rate may increase.

This ARM mortgage calculator provides customized information based on the information you provide, but it assumes a few things about you - for example, that you have excellent credit (a FICO credit score of 740+) and that you're buying a single-family home as your primary residence. This ARM mortgage calculator also makes some assumptions about typical down payment amounts, settlement costs, lender's fees, mortgage insurance, and other costs. Learn more about these assumptions below.

For a more accurate rate quote, talk to a mortgage loan originator.

We can answer all of your home finance questions and help find the mortgage that's right for you - with monthly payments you can afford. You can also prequalify online, so you'll have a better idea of how much you can afford.


Equal Housing Lender

Loan approval is subject to credit approval and program guidelines. Not all loan programs are available in all states for all loan amounts. Interest rate and program terms are subject to change without notice.

Conforming Fixed-Rate Loans - APR calculation assumes a $150,000 loan with a 20% down payment and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts not exceeding $417,000 ($625,500 in Alaska and Hawaii).

Conforming ARM Loans - APR calculation assumes a $150,000 loan with a 20% down payment and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Conforming rates are for loan amounts not exceeding $417,000 ($625,500 in Alaska and Hawaii). Adjustable-rate loans and rates are subject to change during the loan term. That change can increase or decrease your monthly payment and Annual Percentage Rate (APR).

Jumbo Loans - APR calculation assumes a $500,000 loan with a 20% down payment and borrower-paid finance charges of 0.862% of the loan amount, plus origination fees if applicable. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Jumbo rates are for loan amounts exceeding $417,000 ($625,500 in Alaska and Hawaii).

FHA Loans - APR calculation assumes a $153,918 loan ($150,000 base amount plus $3,918 for prepaid mortgage insurance) with a 3.5% down payment and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable. The monthly payment shown here does not include the FHA-required monthly mortgage insurance premium.

VA Loans - APR calculation assumes a $154,950 loan ($150,000 base amount plus $4,950 VA Funding Fee) with no down payment and borrower-paid finance charges of 0.862% of the base loan amount, plus origination fees if applicable.

Credit products are offered by U.S. Bank National Association. Deposit products are offered by U.S. Bank National Association, Member FDIC.