Recurring automatic monthly payments
Advantages
FREE
Process time
Same-day payment credit, with one to two business days for full processing
One-time online payments
Advantages
FREE
Process time
Same-day payment credit, with one to two business days for full processing
Conveniently drop your payment in the mail.
POSTAGE REQUIRED
Process time
Time to process is usually around 7 to 10 business days
Talk to an agent or use our 24/7 automated system.
FREE
Process time
Same-day payment credit, with one to two business days for full processing
Make your payment at a nearby U.S. Bank branch.
FREE
Process time
Same-day payment credit, with one to two business days for full processing
Your monthly mortgage payment includes amounts paid towards principal, interest and escrow. Over time, more of your payment goes towards principal and less towards interest. Principal is the amount of loan paid over the term. Interest is the borrowing cost. Escrow includes taxes and insurance, if applicable.
Your payment could increase for reasons such as escrow amount changes. Learn more about factors that can impact your mortgage payment.
To pay off your mortgage more quickly, you can always pay more than you owe each month. Those extra payments will help lower the loan balance and decrease the total cost of interest, which is explained in this article about amortization. Visit our repayment calculator to determine how you can save money by paying off your mortgage early.
Your due date was set at the time of closing, and it can’t be changed afterwards. You can find the due date on your online account dashboard or monthly statements.
Payments received after the due date will be flagged as late. Payments received after the cutoff date will be charged a late fee, as shown in your monthly statement.
If payment is more than 30 days late, consider mortgage assistance.
Learn how to access your payment history easily online.
Here’s what to do if you need to cancel a pending payment.
We accept payments drawn from a valid checking or savings account. Credit or debit cards are not accepted for mortgage payments.
If you’re struggling to make your mortgage payment, we can help.
To get started, select Mortgage assistance from your mortgage account to let us know your current hardship status and how you’d like to proceed with your monthly payments.
If you have two or more mortgage accounts, log in to each mortgage account to request assistance. For home equity line of credit (HELOC), call us at 800-USBANKS (872-2657).
Find out more about mortgage help and repayment options.
Please review the mortgage servicing fee matrix to learn why this fee was charged.
You won’t need to set up payment reminders. As a mortgage client, you’re automatically enrolled to receive payment reminders via email. Please note some exceptions may apply. If you’re enrolled in autopay, you’ll receive a notice of payments when they’re made.
U.S. Bank does not accept biweekly payments. However, you can make additional payments at any time once the monthly payment due is satisfied.
Anytime a mortgage payment is returned, we automatically send a notification.
If you’ve signed up for electronic statements (eStatements), you can find this notice within the Message Center in online banking. If you’re not enrolled in eStatements, a paper notice is sent to the address on file.
Equal Housing Lender
