We are proud to offer U.S. Bank customers a special mortgage offer.

If you have an existing U.S. Bank first mortgage, a U.S. Bank Smartly™ Checking account or an existing Gold or Platinum Checking Package, you may be eligible for a customer credit1 of 0.25% of the loan amount deducted from the closing costs of your new first mortgage, up to a maximum of $1,000.2

See how much you could save with this home loan special offer.

Please enter an amount between $1,000 and $3,000,000.
Potential closing cost savings $0

Why choose U.S. Bank for your next home loan?

Make purchases

Use your card anywhere Visa or Mastercard debit cards are accepted – in stores, over the phone or online.

All your accounts in one place

You can easily manage your mortgage and other U.S. Bank accounts in one secure location.

No-fee checking

Enjoy all the benefits of a Smartly Checking account and we’ll waive the account maintenance fees.3

A simplified application process

Save time on your application by logging in to online banking. Since we already know you, we’ll complete parts of your application for you, with information we already have.

Estimate how much you may be able to afford.

We’re here to help.

Let’s get you closer to your new home.

Our fast and easy prequalification process can tell you how much you might be able to borrow.

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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. Mortgage, Home Equity and Credit products are offered through U.S. Bank National Association. Deposit products are offered through U.S. Bank National Association. Member FDIC.

Calculators are provided by Leadfusion. This calculator is being provided for educational purposes only. The results are estimates that are based on information you provided and may not reflect U.S. Bank product terms. The information cannot be used by U.S. Bank to determine a client's eligibility for a specific product or service. All financial calculators are provided by the third-party Leadfusion and are not associated, controlled by or under the control of U.S. Bank, its affiliates or subsidiaries. U.S. Bank is not responsible for the content, results, or the accuracy of information.

Conforming fixed-rate estimated monthly payment and APR example: A $464,000 loan amount with a 30-year term at an interest rate of 6.500% with a down payment of 25% and no discount points purchased would result in an estimated monthly principal and interest payment of $2,933 over the full term of the loan with an annual percentage rate (APR) of 6.667%.

Estimated monthly payment and APR calculation are based on a down payment of 25% and borrower-paid finance charges of 0.862% of the base loan amount. If the down payment is less than 20%, mortgage insurance may be required, which could increase the monthly payment and the APR. Estimated monthly payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

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  1. Clients may be eligible for this credit with an existing U.S. Bank first mortgage, a U.S. Bank Smartly Checking account or an existing Gold or Platinum Checking Package. A minimum of $25 is required to open a U.S. Bank Smartly Checking account. For a comprehensive list of account pricing, terms and policies see the Consumer Pricing Information disclosure and the Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 800-872-2657.

  2. To calculate the U.S. Bank Client Credit, take 0.25% of your new first mortgage loan amount and deduct it from the closing costs. For purchase or refinance transactions, the maximum credit is $1,000. Certain mortgages may not be eligible for stated credits. Offer may not be combined with any other mortgage offers and can only be applied once per property within a 12-month period.

  3. U.S. Bank Smartly Checking Account clients can qualify for a maintenance fee waiver if they are enrolled in the Smart Rewards program. The maintenance fee waiver is available for clients who qualify for the Primary tier or higher. You will qualify for the Primary tier if you have any of the following open products: U.S. Bank home mortgage, home equity loans, home equity lines of credit or unsecured personal loans (excluding student loans and Simple Loans). For more information on the Smart Rewards program see the Consumer Pricing Information. U.S. Bank credit cards are excluded. Mortgage and credit products are subject to eligibility requirements and normal credit approval and may be subject to additional charges such as annual fees. Please refer to the credit agreement for full details.