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

When you set up autopay from your U.S. Bank personal checking account prior to final approval, you may be eligible for a client credit1 of 0.25% of the loan amount off the closing costs of your new first mortgage, up to a maximum of $750.2

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?

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.

Start your application

All your accounts in one place

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

Estimate how much you may be able to afford.

Please fix the following items to continue:

  • Enter your annual income.
  • Enter your current monthly debt.
  • Enter your down payment.
  • Enter a state.

The following fields are required.

Enter your annual income.

Enter your current monthly debt.

Enter your down payment.

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Affordability breakdown

Affordable

Recommended

Stretch

Aggressive

Prequalification doesn’t affect your credit score.

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.

Prequalify

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Disclosures

  1. To receive the U.S. Bank client credit, automatic payment enrollment must be completed prior to final loan approval through a U.S. Bank consumer checking account; however, establishing automatic payments is not required for loan approval. 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 and Your Deposit Account Agreement. These documents can be obtained by contacting a U.S. Bank branch or calling 800-872-2657.

  2. For purchase or refinance transactions, the maximum credit is $750 and is applied as a reduction of eligible mortgage closing costs at loan closing. 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.

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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 $405,000 loan amount with a 30-year term at an interest rate of 6.625% with a down payment of 25% and no discount points purchased would result in an estimated monthly principal and interest payment of $2,594 over the full term of the loan with an annual percentage rate (APR) of 6.794%.

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.