---
title: "$700,000 Mortgage at 3.5%: $3,143/mo (30-Year)"
description: "A $700,000 30-year mortgage at 3.5% costs $3,143.31 a month, −$1,527.92 vs. the 7.03% average (Sep 24, 2026). $431,593 total interest; full schedule."
url: https://theloanweek.com/mortgage/700000/3.5-percent/
updated: 2026-09-28
site: "The Loan Week"
language: en
---

# $700,000 mortgage at 3.5%

30-year fixed at 3.5%. At this week's 7.03% average the payment would be $4,671.23 (−$1,527.92 a month at 3.5%).

Principal and interest

$3,143.31 a month

*Chart: Of $1,131,593 in loan payments, $700,000 repays the loan and $431,593 is interest.*

- **Total interest over 30 years**: $431,593
- **Total loan payments**: $1,131,593
- **Interest per dollar of loan payments**: 38¢

Source: Freddie Mac Primary Mortgage Market Survey, week of September 24, 2026; retrieved September 27, 2026. An average, not an offer. [How we source and check every figure](https://theloanweek.com/sources/).

## What changes at this amount

- This $700,000 loan is under the $832,750 baseline conforming limit for 2026, the loans the Freddie Mac average describes.
- No weekly 30-year average in the past year was as low as 3.5%: the lowest was 5.98% in the week of February 26, 2026. Treat this page as a what-if for a strong-credit or bought-down rate.

## Payment on $700,000 at nearby rates

**30-year fixed; difference compared with this week's average**

| Rate | Monthly payment | Difference | Total interest |
| --- | --- | --- | --- |
| [3.00%](https://theloanweek.com/mortgage/700000/3-percent/) | $2,951.23 | −$1,720.00 | $362,442 |
| [3.25%](https://theloanweek.com/mortgage/700000/3.25-percent/) | $3,046.44 | −$1,624.79 | $396,720 |
| [3.50%](https://theloanweek.com/mortgage/700000/3.5-percent/) this page | $3,143.31 | −$1,527.92 | $431,593 |
| [3.75%](https://theloanweek.com/mortgage/700000/3.75-percent/) | $3,241.81 | −$1,429.42 | $467,051 |
| [4.00%](https://theloanweek.com/mortgage/700000/4-percent/) | $3,341.91 | −$1,329.32 | $503,087 |
| [4.25%](https://theloanweek.com/mortgage/700000/4.25-percent/) | $3,443.58 | −$1,227.65 | $539,689 |
| [4.50%](https://theloanweek.com/mortgage/700000/4.5-percent/) | $3,546.80 | −$1,124.43 | $576,847 |
| 7.03% this week's average | $4,671.23 | $0.00 | $981,643 |

## Other terms at 3.5%

| Term | Rate | Monthly payment | Total interest | Total paid |
| --- | --- | --- | --- | --- |
| 15-year fixed | 3.50% | $5,004.18 | $200,752 | $900,752 |
| 20-year fixed | 3.50% | $4,059.72 | $274,332 | $974,332 |
| 30-year fixed | 3.50% | $3,143.31 | $431,593 | $1,131,593 |

## With taxes

**Assumes the $700,000 loan is 80% of a $875,000 purchase (20% down, so no PMI).**

| Principal and interest | $3,143.31 |
| --- | --- |
| Property tax 0.89% a year, estimate | $648.96 |
| Homeowners insurance | not included |
| Monthly subtotal before insurance/HOA | $3,792.27 |

No state chosen, so this is an estimate: the U.S. ratio of median real estate taxes paid to median home value (ACS 2024 1-year). Insurance is left out until you choose a state (NAIC 2023 state averages) or add your own quote.

[Enter your insurance, property tax, HOA and PMI quotes](https://theloanweek.com/calculator/mortgage/?price=875000&down=20&rate=3.5&years=30&state=) · [Estimate conventional PMI request and termination milestones](https://theloanweek.com/calculator/pmi-removal/)

## Income needed

To keep the $3,792.27 monthly housing cost at 28% of gross income, you'd need about **$162,526 a year**. Lenders also cap total debt payments near 36% of income, so car and student loan payments reduce what you can borrow.

## Amortization schedule

[Create a dated schedule with extra payments](https://theloanweek.com/calculator/amortization/)

Payment totals include regular principal, extra principal and interest. Annual lump sums are part of the Extra column. CSV separates monthly and annual extras. Calculations keep full precision; displayed rows and totals are rounded independently.

Principal repaid, including any extra principal payment, first exceeds interest at payment 124. The chart below compares totals for each loan year.

*Chart: Principal and interest paid each year on a $700,000 mortgage. Each column is one loan year, split into principal repaid and interest paid. Annual principal repaid, including extra payments, first exceeds annual interest in year 11.*

### First 12 months

**Amortization schedule for a $700,000 mortgage at 3.50% over 30 years, months 1–12; first payment $3,143.31. The final payment may be smaller.**

| Payment | Total payment | Regular principal | Extra | Interest | Balance |
| --- | --- | --- | --- | --- | --- |
| 1 | $3,143.31 | $1,101.65 | $0.00 | $2,041.67 | $698,898.35 |
| 2 | $3,143.31 | $1,104.86 | $0.00 | $2,038.45 | $697,793.49 |
| 3 | $3,143.31 | $1,108.08 | $0.00 | $2,035.23 | $696,685.41 |
| 4 | $3,143.31 | $1,111.31 | $0.00 | $2,032.00 | $695,574.10 |
| 5 | $3,143.31 | $1,114.56 | $0.00 | $2,028.76 | $694,459.54 |
| 6 | $3,143.31 | $1,117.81 | $0.00 | $2,025.51 | $693,341.74 |
| 7 | $3,143.31 | $1,121.07 | $0.00 | $2,022.25 | $692,220.67 |
| 8 | $3,143.31 | $1,124.34 | $0.00 | $2,018.98 | $691,096.34 |
| 9 | $3,143.31 | $1,127.62 | $0.00 | $2,015.70 | $689,968.72 |
| 10 | $3,143.31 | $1,130.90 | $0.00 | $2,012.41 | $688,837.82 |
| 11 | $3,143.31 | $1,134.20 | $0.00 | $2,009.11 | $687,703.61 |
| 12 | $3,143.31 | $1,137.51 | $0.00 | $2,005.80 | $686,566.10 |

### Year by year

**Totals for each loan year**

| Loan year | Total paid | Principal incl. extras | Interest | Balance at year end |
| --- | --- | --- | --- | --- |
| 1 | $37,720 | $13,434 | $24,286 | $686,566 |
| 2 | $37,720 | $13,912 | $23,808 | $672,654 |
| 3 | $37,720 | $14,406 | $23,313 | $658,248 |
| 4 | $37,720 | $14,919 | $22,801 | $643,329 |
| 5 | $37,720 | $15,450 | $22,270 | $627,880 |
| 6 | $37,720 | $15,999 | $21,721 | $611,881 |
| 7 | $37,720 | $16,568 | $21,152 | $595,312 |
| 8 | $37,720 | $17,157 | $20,562 | $578,155 |
| 9 | $37,720 | $17,768 | $19,952 | $560,388 |
| 10 | $37,720 | $18,399 | $19,320 | $541,988 |
| 11 | $37,720 | $19,054 | $18,666 | $522,934 |
| 12 | $37,720 | $19,732 | $17,988 | $503,203 |
| 13 | $37,720 | $20,433 | $17,286 | $482,769 |
| 14 | $37,720 | $21,160 | $16,560 | $461,609 |
| 15 | $37,720 | $21,913 | $15,807 | $439,696 |
| 16 | $37,720 | $22,692 | $15,028 | $417,004 |
| 17 | $37,720 | $23,499 | $14,221 | $393,505 |
| 18 | $37,720 | $24,335 | $13,385 | $369,170 |
| 19 | $37,720 | $25,201 | $12,519 | $343,970 |
| 20 | $37,720 | $26,097 | $11,623 | $317,873 |
| 21 | $37,720 | $27,025 | $10,695 | $290,848 |
| 22 | $37,720 | $27,986 | $9,734 | $262,862 |
| 23 | $37,720 | $28,982 | $8,738 | $233,880 |
| 24 | $37,720 | $30,012 | $7,707 | $203,868 |
| 25 | $37,720 | $31,080 | $6,640 | $172,788 |
| 26 | $37,720 | $32,185 | $5,535 | $140,603 |
| 27 | $37,720 | $33,330 | $4,390 | $107,273 |
| 28 | $37,720 | $34,515 | $3,204 | $72,757 |
| 29 | $37,720 | $35,743 | $1,977 | $37,014 |
| 30 | $37,720 | $37,014 | $705 | $0 |
| Total | $1,131,593 | $700,000 | $431,593 | $0 |

*Chart: Balance remaining on a $700,000 mortgage over 30 years. The loan balance left at the end of each year, from $700,000 down to $0.*

### Full schedule, all 360 payments

**Amortization schedule for a $700,000 mortgage at 3.50% over 30 years, every payment**

| Payment | Total payment | Regular principal | Extra | Interest | Balance |
| --- | --- | --- | --- | --- | --- |
| 1 | 3,143.31 | 1,101.65 | 0.00 | 2,041.67 | 698,898.35 |
| 2 | 3,143.31 | 1,104.86 | 0.00 | 2,038.45 | 697,793.49 |
| 3 | 3,143.31 | 1,108.08 | 0.00 | 2,035.23 | 696,685.41 |
| 4 | 3,143.31 | 1,111.31 | 0.00 | 2,032.00 | 695,574.10 |
| 5 | 3,143.31 | 1,114.56 | 0.00 | 2,028.76 | 694,459.54 |
| 6 | 3,143.31 | 1,117.81 | 0.00 | 2,025.51 | 693,341.74 |
| 7 | 3,143.31 | 1,121.07 | 0.00 | 2,022.25 | 692,220.67 |
| 8 | 3,143.31 | 1,124.34 | 0.00 | 2,018.98 | 691,096.34 |
| 9 | 3,143.31 | 1,127.62 | 0.00 | 2,015.70 | 689,968.72 |
| 10 | 3,143.31 | 1,130.90 | 0.00 | 2,012.41 | 688,837.82 |
| 11 | 3,143.31 | 1,134.20 | 0.00 | 2,009.11 | 687,703.61 |
| 12 | 3,143.31 | 1,137.51 | 0.00 | 2,005.80 | 686,566.10 |
| 13 | 3,143.31 | 1,140.83 | 0.00 | 2,002.48 | 685,425.28 |
| 14 | 3,143.31 | 1,144.16 | 0.00 | 1,999.16 | 684,281.12 |
| 15 | 3,143.31 | 1,147.49 | 0.00 | 1,995.82 | 683,133.63 |
| 16 | 3,143.31 | 1,150.84 | 0.00 | 1,992.47 | 681,982.79 |
| 17 | 3,143.31 | 1,154.20 | 0.00 | 1,989.12 | 680,828.59 |
| 18 | 3,143.31 | 1,157.56 | 0.00 | 1,985.75 | 679,671.03 |
| 19 | 3,143.31 | 1,160.94 | 0.00 | 1,982.37 | 678,510.09 |
| 20 | 3,143.31 | 1,164.33 | 0.00 | 1,978.99 | 677,345.76 |
| 21 | 3,143.31 | 1,167.72 | 0.00 | 1,975.59 | 676,178.04 |
| 22 | 3,143.31 | 1,171.13 | 0.00 | 1,972.19 | 675,006.92 |
| 23 | 3,143.31 | 1,174.54 | 0.00 | 1,968.77 | 673,832.37 |
| 24 | 3,143.31 | 1,177.97 | 0.00 | 1,965.34 | 672,654.41 |
| 25 | 3,143.31 | 1,181.40 | 0.00 | 1,961.91 | 671,473.00 |
| 26 | 3,143.31 | 1,184.85 | 0.00 | 1,958.46 | 670,288.15 |
| 27 | 3,143.31 | 1,188.31 | 0.00 | 1,955.01 | 669,099.85 |
| 28 | 3,143.31 | 1,191.77 | 0.00 | 1,951.54 | 667,908.07 |
| 29 | 3,143.31 | 1,195.25 | 0.00 | 1,948.07 | 666,712.83 |
| 30 | 3,143.31 | 1,198.73 | 0.00 | 1,944.58 | 665,514.09 |
| 31 | 3,143.31 | 1,202.23 | 0.00 | 1,941.08 | 664,311.86 |
| 32 | 3,143.31 | 1,205.74 | 0.00 | 1,937.58 | 663,106.13 |
| 33 | 3,143.31 | 1,209.25 | 0.00 | 1,934.06 | 661,896.87 |
| 34 | 3,143.31 | 1,212.78 | 0.00 | 1,930.53 | 660,684.09 |
| 35 | 3,143.31 | 1,216.32 | 0.00 | 1,927.00 | 659,467.77 |
| 36 | 3,143.31 | 1,219.87 | 0.00 | 1,923.45 | 658,247.91 |
| 37 | 3,143.31 | 1,223.42 | 0.00 | 1,919.89 | 657,024.49 |
| 38 | 3,143.31 | 1,226.99 | 0.00 | 1,916.32 | 655,797.50 |
| 39 | 3,143.31 | 1,230.57 | 0.00 | 1,912.74 | 654,566.93 |
| 40 | 3,143.31 | 1,234.16 | 0.00 | 1,909.15 | 653,332.77 |
| 41 | 3,143.31 | 1,237.76 | 0.00 | 1,905.55 | 652,095.01 |
| 42 | 3,143.31 | 1,241.37 | 0.00 | 1,901.94 | 650,853.64 |
| 43 | 3,143.31 | 1,244.99 | 0.00 | 1,898.32 | 649,608.65 |
| 44 | 3,143.31 | 1,248.62 | 0.00 | 1,894.69 | 648,360.03 |
| 45 | 3,143.31 | 1,252.26 | 0.00 | 1,891.05 | 647,107.76 |
| 46 | 3,143.31 | 1,255.92 | 0.00 | 1,887.40 | 645,851.85 |
| 47 | 3,143.31 | 1,259.58 | 0.00 | 1,883.73 | 644,592.27 |
| 48 | 3,143.31 | 1,263.25 | 0.00 | 1,880.06 | 643,329.02 |
| 49 | 3,143.31 | 1,266.94 | 0.00 | 1,876.38 | 642,062.08 |
| 50 | 3,143.31 | 1,270.63 | 0.00 | 1,872.68 | 640,791.45 |
| 51 | 3,143.31 | 1,274.34 | 0.00 | 1,868.98 | 639,517.11 |
| 52 | 3,143.31 | 1,278.05 | 0.00 | 1,865.26 | 638,239.06 |
| 53 | 3,143.31 | 1,281.78 | 0.00 | 1,861.53 | 636,957.28 |
| 54 | 3,143.31 | 1,285.52 | 0.00 | 1,857.79 | 635,671.76 |
| 55 | 3,143.31 | 1,289.27 | 0.00 | 1,854.04 | 634,382.49 |
| 56 | 3,143.31 | 1,293.03 | 0.00 | 1,850.28 | 633,089.45 |
| 57 | 3,143.31 | 1,296.80 | 0.00 | 1,846.51 | 631,792.65 |
| 58 | 3,143.31 | 1,300.58 | 0.00 | 1,842.73 | 630,492.07 |
| 59 | 3,143.31 | 1,304.38 | 0.00 | 1,838.94 | 629,187.69 |
| 60 | 3,143.31 | 1,308.18 | 0.00 | 1,835.13 | 627,879.51 |
| 61 | 3,143.31 | 1,312.00 | 0.00 | 1,831.32 | 626,567.51 |
| 62 | 3,143.31 | 1,315.82 | 0.00 | 1,827.49 | 625,251.69 |
| 63 | 3,143.31 | 1,319.66 | 0.00 | 1,823.65 | 623,932.03 |
| 64 | 3,143.31 | 1,323.51 | 0.00 | 1,819.80 | 622,608.51 |
| 65 | 3,143.31 | 1,327.37 | 0.00 | 1,815.94 | 621,281.14 |
| 66 | 3,143.31 | 1,331.24 | 0.00 | 1,812.07 | 619,949.90 |
| 67 | 3,143.31 | 1,335.13 | 0.00 | 1,808.19 | 618,614.77 |
| 68 | 3,143.31 | 1,339.02 | 0.00 | 1,804.29 | 617,275.75 |
| 69 | 3,143.31 | 1,342.93 | 0.00 | 1,800.39 | 615,932.83 |
| 70 | 3,143.31 | 1,346.84 | 0.00 | 1,796.47 | 614,585.99 |
| 71 | 3,143.31 | 1,350.77 | 0.00 | 1,792.54 | 613,235.22 |
| 72 | 3,143.31 | 1,354.71 | 0.00 | 1,788.60 | 611,880.51 |
| 73 | 3,143.31 | 1,358.66 | 0.00 | 1,784.65 | 610,521.85 |
| 74 | 3,143.31 | 1,362.62 | 0.00 | 1,780.69 | 609,159.22 |
| 75 | 3,143.31 | 1,366.60 | 0.00 | 1,776.71 | 607,792.62 |
| 76 | 3,143.31 | 1,370.58 | 0.00 | 1,772.73 | 606,422.04 |
| 77 | 3,143.31 | 1,374.58 | 0.00 | 1,768.73 | 605,047.46 |
| 78 | 3,143.31 | 1,378.59 | 0.00 | 1,764.72 | 603,668.87 |
| 79 | 3,143.31 | 1,382.61 | 0.00 | 1,760.70 | 602,286.25 |
| 80 | 3,143.31 | 1,386.64 | 0.00 | 1,756.67 | 600,899.61 |
| 81 | 3,143.31 | 1,390.69 | 0.00 | 1,752.62 | 599,508.92 |
| 82 | 3,143.31 | 1,394.75 | 0.00 | 1,748.57 | 598,114.18 |
| 83 | 3,143.31 | 1,398.81 | 0.00 | 1,744.50 | 596,715.36 |
| 84 | 3,143.31 | 1,402.89 | 0.00 | 1,740.42 | 595,312.47 |
| 85 | 3,143.31 | 1,406.98 | 0.00 | 1,736.33 | 593,905.48 |
| 86 | 3,143.31 | 1,411.09 | 0.00 | 1,732.22 | 592,494.40 |
| 87 | 3,143.31 | 1,415.20 | 0.00 | 1,728.11 | 591,079.19 |
| 88 | 3,143.31 | 1,419.33 | 0.00 | 1,723.98 | 589,659.86 |
| 89 | 3,143.31 | 1,423.47 | 0.00 | 1,719.84 | 588,236.39 |
| 90 | 3,143.31 | 1,427.62 | 0.00 | 1,715.69 | 586,808.76 |
| 91 | 3,143.31 | 1,431.79 | 0.00 | 1,711.53 | 585,376.98 |
| 92 | 3,143.31 | 1,435.96 | 0.00 | 1,707.35 | 583,941.01 |
| 93 | 3,143.31 | 1,440.15 | 0.00 | 1,703.16 | 582,500.86 |
| 94 | 3,143.31 | 1,444.35 | 0.00 | 1,698.96 | 581,056.51 |
| 95 | 3,143.31 | 1,448.56 | 0.00 | 1,694.75 | 579,607.95 |
| 96 | 3,143.31 | 1,452.79 | 0.00 | 1,690.52 | 578,155.16 |
| 97 | 3,143.31 | 1,457.03 | 0.00 | 1,686.29 | 576,698.13 |
| 98 | 3,143.31 | 1,461.28 | 0.00 | 1,682.04 | 575,236.85 |
| 99 | 3,143.31 | 1,465.54 | 0.00 | 1,677.77 | 573,771.31 |
| 100 | 3,143.31 | 1,469.81 | 0.00 | 1,673.50 | 572,301.50 |
| 101 | 3,143.31 | 1,474.10 | 0.00 | 1,669.21 | 570,827.40 |
| 102 | 3,143.31 | 1,478.40 | 0.00 | 1,664.91 | 569,349.00 |
| 103 | 3,143.31 | 1,482.71 | 0.00 | 1,660.60 | 567,866.29 |
| 104 | 3,143.31 | 1,487.04 | 0.00 | 1,656.28 | 566,379.25 |
| 105 | 3,143.31 | 1,491.37 | 0.00 | 1,651.94 | 564,887.88 |
| 106 | 3,143.31 | 1,495.72 | 0.00 | 1,647.59 | 563,392.16 |
| 107 | 3,143.31 | 1,500.09 | 0.00 | 1,643.23 | 561,892.07 |
| 108 | 3,143.31 | 1,504.46 | 0.00 | 1,638.85 | 560,387.61 |
| 109 | 3,143.31 | 1,508.85 | 0.00 | 1,634.46 | 558,878.76 |
| 110 | 3,143.31 | 1,513.25 | 0.00 | 1,630.06 | 557,365.51 |
| 111 | 3,143.31 | 1,517.66 | 0.00 | 1,625.65 | 555,847.85 |
| 112 | 3,143.31 | 1,522.09 | 0.00 | 1,621.22 | 554,325.76 |
| 113 | 3,143.31 | 1,526.53 | 0.00 | 1,616.78 | 552,799.23 |
| 114 | 3,143.31 | 1,530.98 | 0.00 | 1,612.33 | 551,268.25 |
| 115 | 3,143.31 | 1,535.45 | 0.00 | 1,607.87 | 549,732.80 |
| 116 | 3,143.31 | 1,539.93 | 0.00 | 1,603.39 | 548,192.87 |
| 117 | 3,143.31 | 1,544.42 | 0.00 | 1,598.90 | 546,648.46 |
| 118 | 3,143.31 | 1,548.92 | 0.00 | 1,594.39 | 545,099.54 |
| 119 | 3,143.31 | 1,553.44 | 0.00 | 1,589.87 | 543,546.10 |
| 120 | 3,143.31 | 1,557.97 | 0.00 | 1,585.34 | 541,988.13 |
| 121 | 3,143.31 | 1,562.51 | 0.00 | 1,580.80 | 540,425.61 |
| 122 | 3,143.31 | 1,567.07 | 0.00 | 1,576.24 | 538,858.54 |
| 123 | 3,143.31 | 1,571.64 | 0.00 | 1,571.67 | 537,286.90 |
| 124 | 3,143.31 | 1,576.23 | 0.00 | 1,567.09 | 535,710.67 |
| 125 | 3,143.31 | 1,580.82 | 0.00 | 1,562.49 | 534,129.85 |
| 126 | 3,143.31 | 1,585.43 | 0.00 | 1,557.88 | 532,544.42 |
| 127 | 3,143.31 | 1,590.06 | 0.00 | 1,553.25 | 530,954.36 |
| 128 | 3,143.31 | 1,594.70 | 0.00 | 1,548.62 | 529,359.66 |
| 129 | 3,143.31 | 1,599.35 | 0.00 | 1,543.97 | 527,760.31 |
| 130 | 3,143.31 | 1,604.01 | 0.00 | 1,539.30 | 526,156.30 |
| 131 | 3,143.31 | 1,608.69 | 0.00 | 1,534.62 | 524,547.61 |
| 132 | 3,143.31 | 1,613.38 | 0.00 | 1,529.93 | 522,934.23 |
| 133 | 3,143.31 | 1,618.09 | 0.00 | 1,525.22 | 521,316.14 |
| 134 | 3,143.31 | 1,622.81 | 0.00 | 1,520.51 | 519,693.34 |
| 135 | 3,143.31 | 1,627.54 | 0.00 | 1,515.77 | 518,065.79 |
| 136 | 3,143.31 | 1,632.29 | 0.00 | 1,511.03 | 516,433.51 |
| 137 | 3,143.31 | 1,637.05 | 0.00 | 1,506.26 | 514,796.46 |
| 138 | 3,143.31 | 1,641.82 | 0.00 | 1,501.49 | 513,154.64 |
| 139 | 3,143.31 | 1,646.61 | 0.00 | 1,496.70 | 511,508.02 |
| 140 | 3,143.31 | 1,651.41 | 0.00 | 1,491.90 | 509,856.61 |
| 141 | 3,143.31 | 1,656.23 | 0.00 | 1,487.08 | 508,200.38 |
| 142 | 3,143.31 | 1,661.06 | 0.00 | 1,482.25 | 506,539.32 |
| 143 | 3,143.31 | 1,665.91 | 0.00 | 1,477.41 | 504,873.41 |
| 144 | 3,143.31 | 1,670.77 | 0.00 | 1,472.55 | 503,202.64 |
| 145 | 3,143.31 | 1,675.64 | 0.00 | 1,467.67 | 501,527.01 |
| 146 | 3,143.31 | 1,680.53 | 0.00 | 1,462.79 | 499,846.48 |
| 147 | 3,143.31 | 1,685.43 | 0.00 | 1,457.89 | 498,161.05 |
| 148 | 3,143.31 | 1,690.34 | 0.00 | 1,452.97 | 496,470.71 |
| 149 | 3,143.31 | 1,695.27 | 0.00 | 1,448.04 | 494,775.44 |
| 150 | 3,143.31 | 1,700.22 | 0.00 | 1,443.10 | 493,075.22 |
| 151 | 3,143.31 | 1,705.18 | 0.00 | 1,438.14 | 491,370.04 |
| 152 | 3,143.31 | 1,710.15 | 0.00 | 1,433.16 | 489,659.89 |
| 153 | 3,143.31 | 1,715.14 | 0.00 | 1,428.17 | 487,944.75 |
| 154 | 3,143.31 | 1,720.14 | 0.00 | 1,423.17 | 486,224.61 |
| 155 | 3,143.31 | 1,725.16 | 0.00 | 1,418.16 | 484,499.46 |
| 156 | 3,143.31 | 1,730.19 | 0.00 | 1,413.12 | 482,769.27 |
| 157 | 3,143.31 | 1,735.24 | 0.00 | 1,408.08 | 481,034.03 |
| 158 | 3,143.31 | 1,740.30 | 0.00 | 1,403.02 | 479,293.73 |
| 159 | 3,143.31 | 1,745.37 | 0.00 | 1,397.94 | 477,548.36 |
| 160 | 3,143.31 | 1,750.46 | 0.00 | 1,392.85 | 475,797.90 |
| 161 | 3,143.31 | 1,755.57 | 0.00 | 1,387.74 | 474,042.33 |
| 162 | 3,143.31 | 1,760.69 | 0.00 | 1,382.62 | 472,281.64 |
| 163 | 3,143.31 | 1,765.82 | 0.00 | 1,377.49 | 470,515.81 |
| 164 | 3,143.31 | 1,770.98 | 0.00 | 1,372.34 | 468,744.84 |
| 165 | 3,143.31 | 1,776.14 | 0.00 | 1,367.17 | 466,968.70 |
| 166 | 3,143.31 | 1,781.32 | 0.00 | 1,361.99 | 465,187.38 |
| 167 | 3,143.31 | 1,786.52 | 0.00 | 1,356.80 | 463,400.86 |
| 168 | 3,143.31 | 1,791.73 | 0.00 | 1,351.59 | 461,609.13 |
| 169 | 3,143.31 | 1,796.95 | 0.00 | 1,346.36 | 459,812.18 |
| 170 | 3,143.31 | 1,802.19 | 0.00 | 1,341.12 | 458,009.99 |
| 171 | 3,143.31 | 1,807.45 | 0.00 | 1,335.86 | 456,202.54 |
| 172 | 3,143.31 | 1,812.72 | 0.00 | 1,330.59 | 454,389.82 |
| 173 | 3,143.31 | 1,818.01 | 0.00 | 1,325.30 | 452,571.81 |
| 174 | 3,143.31 | 1,823.31 | 0.00 | 1,320.00 | 450,748.49 |
| 175 | 3,143.31 | 1,828.63 | 0.00 | 1,314.68 | 448,919.87 |
| 176 | 3,143.31 | 1,833.96 | 0.00 | 1,309.35 | 447,085.90 |
| 177 | 3,143.31 | 1,839.31 | 0.00 | 1,304.00 | 445,246.59 |
| 178 | 3,143.31 | 1,844.68 | 0.00 | 1,298.64 | 443,401.91 |
| 179 | 3,143.31 | 1,850.06 | 0.00 | 1,293.26 | 441,551.86 |
| 180 | 3,143.31 | 1,855.45 | 0.00 | 1,287.86 | 439,696.40 |
| 181 | 3,143.31 | 1,860.86 | 0.00 | 1,282.45 | 437,835.54 |
| 182 | 3,143.31 | 1,866.29 | 0.00 | 1,277.02 | 435,969.24 |
| 183 | 3,143.31 | 1,871.74 | 0.00 | 1,271.58 | 434,097.51 |
| 184 | 3,143.31 | 1,877.20 | 0.00 | 1,266.12 | 432,220.31 |
| 185 | 3,143.31 | 1,882.67 | 0.00 | 1,260.64 | 430,337.64 |
| 186 | 3,143.31 | 1,888.16 | 0.00 | 1,255.15 | 428,449.48 |
| 187 | 3,143.31 | 1,893.67 | 0.00 | 1,249.64 | 426,555.81 |
| 188 | 3,143.31 | 1,899.19 | 0.00 | 1,244.12 | 424,656.62 |
| 189 | 3,143.31 | 1,904.73 | 0.00 | 1,238.58 | 422,751.89 |
| 190 | 3,143.31 | 1,910.29 | 0.00 | 1,233.03 | 420,841.60 |
| 191 | 3,143.31 | 1,915.86 | 0.00 | 1,227.45 | 418,925.75 |
| 192 | 3,143.31 | 1,921.45 | 0.00 | 1,221.87 | 417,004.30 |
| 193 | 3,143.31 | 1,927.05 | 0.00 | 1,216.26 | 415,077.25 |
| 194 | 3,143.31 | 1,932.67 | 0.00 | 1,210.64 | 413,144.58 |
| 195 | 3,143.31 | 1,938.31 | 0.00 | 1,205.01 | 411,206.27 |
| 196 | 3,143.31 | 1,943.96 | 0.00 | 1,199.35 | 409,262.31 |
| 197 | 3,143.31 | 1,949.63 | 0.00 | 1,193.68 | 407,312.68 |
| 198 | 3,143.31 | 1,955.32 | 0.00 | 1,188.00 | 405,357.36 |
| 199 | 3,143.31 | 1,961.02 | 0.00 | 1,182.29 | 403,396.34 |
| 200 | 3,143.31 | 1,966.74 | 0.00 | 1,176.57 | 401,429.60 |
| 201 | 3,143.31 | 1,972.48 | 0.00 | 1,170.84 | 399,457.12 |
| 202 | 3,143.31 | 1,978.23 | 0.00 | 1,165.08 | 397,478.90 |
| 203 | 3,143.31 | 1,984.00 | 0.00 | 1,159.31 | 395,494.90 |
| 204 | 3,143.31 | 1,989.79 | 0.00 | 1,153.53 | 393,505.11 |
| 205 | 3,143.31 | 1,995.59 | 0.00 | 1,147.72 | 391,509.52 |
| 206 | 3,143.31 | 2,001.41 | 0.00 | 1,141.90 | 389,508.11 |
| 207 | 3,143.31 | 2,007.25 | 0.00 | 1,136.07 | 387,500.86 |
| 208 | 3,143.31 | 2,013.10 | 0.00 | 1,130.21 | 385,487.76 |
| 209 | 3,143.31 | 2,018.97 | 0.00 | 1,124.34 | 383,468.79 |
| 210 | 3,143.31 | 2,024.86 | 0.00 | 1,118.45 | 381,443.92 |
| 211 | 3,143.31 | 2,030.77 | 0.00 | 1,112.54 | 379,413.16 |
| 212 | 3,143.31 | 2,036.69 | 0.00 | 1,106.62 | 377,376.47 |
| 213 | 3,143.31 | 2,042.63 | 0.00 | 1,100.68 | 375,333.83 |
| 214 | 3,143.31 | 2,048.59 | 0.00 | 1,094.72 | 373,285.25 |
| 215 | 3,143.31 | 2,054.56 | 0.00 | 1,088.75 | 371,230.68 |
| 216 | 3,143.31 | 2,060.56 | 0.00 | 1,082.76 | 369,170.12 |
| 217 | 3,143.31 | 2,066.57 | 0.00 | 1,076.75 | 367,103.56 |
| 218 | 3,143.31 | 2,072.59 | 0.00 | 1,070.72 | 365,030.96 |
| 219 | 3,143.31 | 2,078.64 | 0.00 | 1,064.67 | 362,952.32 |
| 220 | 3,143.31 | 2,084.70 | 0.00 | 1,058.61 | 360,867.62 |
| 221 | 3,143.31 | 2,090.78 | 0.00 | 1,052.53 | 358,776.84 |
| 222 | 3,143.31 | 2,096.88 | 0.00 | 1,046.43 | 356,679.96 |
| 223 | 3,143.31 | 2,103.00 | 0.00 | 1,040.32 | 354,576.96 |
| 224 | 3,143.31 | 2,109.13 | 0.00 | 1,034.18 | 352,467.83 |
| 225 | 3,143.31 | 2,115.28 | 0.00 | 1,028.03 | 350,352.55 |
| 226 | 3,143.31 | 2,121.45 | 0.00 | 1,021.86 | 348,231.10 |
| 227 | 3,143.31 | 2,127.64 | 0.00 | 1,015.67 | 346,103.46 |
| 228 | 3,143.31 | 2,133.84 | 0.00 | 1,009.47 | 343,969.62 |
| 229 | 3,143.31 | 2,140.07 | 0.00 | 1,003.24 | 341,829.55 |
| 230 | 3,143.31 | 2,146.31 | 0.00 | 997.00 | 339,683.24 |
| 231 | 3,143.31 | 2,152.57 | 0.00 | 990.74 | 337,530.67 |
| 232 | 3,143.31 | 2,158.85 | 0.00 | 984.46 | 335,371.82 |
| 233 | 3,143.31 | 2,165.15 | 0.00 | 978.17 | 333,206.68 |
| 234 | 3,143.31 | 2,171.46 | 0.00 | 971.85 | 331,035.22 |
| 235 | 3,143.31 | 2,177.79 | 0.00 | 965.52 | 328,857.42 |
| 236 | 3,143.31 | 2,184.15 | 0.00 | 959.17 | 326,673.28 |
| 237 | 3,143.31 | 2,190.52 | 0.00 | 952.80 | 324,482.76 |
| 238 | 3,143.31 | 2,196.90 | 0.00 | 946.41 | 322,285.86 |
| 239 | 3,143.31 | 2,203.31 | 0.00 | 940.00 | 320,082.54 |
| 240 | 3,143.31 | 2,209.74 | 0.00 | 933.57 | 317,872.81 |
| 241 | 3,143.31 | 2,216.18 | 0.00 | 927.13 | 315,656.62 |
| 242 | 3,143.31 | 2,222.65 | 0.00 | 920.67 | 313,433.97 |
| 243 | 3,143.31 | 2,229.13 | 0.00 | 914.18 | 311,204.84 |
| 244 | 3,143.31 | 2,235.63 | 0.00 | 907.68 | 308,969.21 |
| 245 | 3,143.31 | 2,242.15 | 0.00 | 901.16 | 306,727.06 |
| 246 | 3,143.31 | 2,248.69 | 0.00 | 894.62 | 304,478.37 |
| 247 | 3,143.31 | 2,255.25 | 0.00 | 888.06 | 302,223.12 |
| 248 | 3,143.31 | 2,261.83 | 0.00 | 881.48 | 299,961.29 |
| 249 | 3,143.31 | 2,268.43 | 0.00 | 874.89 | 297,692.86 |
| 250 | 3,143.31 | 2,275.04 | 0.00 | 868.27 | 295,417.82 |
| 251 | 3,143.31 | 2,281.68 | 0.00 | 861.64 | 293,136.14 |
| 252 | 3,143.31 | 2,288.33 | 0.00 | 854.98 | 290,847.81 |
| 253 | 3,143.31 | 2,295.01 | 0.00 | 848.31 | 288,552.80 |
| 254 | 3,143.31 | 2,301.70 | 0.00 | 841.61 | 286,251.10 |
| 255 | 3,143.31 | 2,308.41 | 0.00 | 834.90 | 283,942.69 |
| 256 | 3,143.31 | 2,315.15 | 0.00 | 828.17 | 281,627.54 |
| 257 | 3,143.31 | 2,321.90 | 0.00 | 821.41 | 279,305.64 |
| 258 | 3,143.31 | 2,328.67 | 0.00 | 814.64 | 276,976.97 |
| 259 | 3,143.31 | 2,335.46 | 0.00 | 807.85 | 274,641.51 |
| 260 | 3,143.31 | 2,342.28 | 0.00 | 801.04 | 272,299.23 |
| 261 | 3,143.31 | 2,349.11 | 0.00 | 794.21 | 269,950.13 |
| 262 | 3,143.31 | 2,355.96 | 0.00 | 787.35 | 267,594.17 |
| 263 | 3,143.31 | 2,362.83 | 0.00 | 780.48 | 265,231.34 |
| 264 | 3,143.31 | 2,369.72 | 0.00 | 773.59 | 262,861.62 |
| 265 | 3,143.31 | 2,376.63 | 0.00 | 766.68 | 260,484.98 |
| 266 | 3,143.31 | 2,383.56 | 0.00 | 759.75 | 258,101.42 |
| 267 | 3,143.31 | 2,390.52 | 0.00 | 752.80 | 255,710.90 |
| 268 | 3,143.31 | 2,397.49 | 0.00 | 745.82 | 253,313.41 |
| 269 | 3,143.31 | 2,404.48 | 0.00 | 738.83 | 250,908.93 |
| 270 | 3,143.31 | 2,411.50 | 0.00 | 731.82 | 248,497.44 |
| 271 | 3,143.31 | 2,418.53 | 0.00 | 724.78 | 246,078.91 |
| 272 | 3,143.31 | 2,425.58 | 0.00 | 717.73 | 243,653.32 |
| 273 | 3,143.31 | 2,432.66 | 0.00 | 710.66 | 241,220.67 |
| 274 | 3,143.31 | 2,439.75 | 0.00 | 703.56 | 238,780.91 |
| 275 | 3,143.31 | 2,446.87 | 0.00 | 696.44 | 236,334.05 |
| 276 | 3,143.31 | 2,454.01 | 0.00 | 689.31 | 233,880.04 |
| 277 | 3,143.31 | 2,461.16 | 0.00 | 682.15 | 231,418.88 |
| 278 | 3,143.31 | 2,468.34 | 0.00 | 674.97 | 228,950.54 |
| 279 | 3,143.31 | 2,475.54 | 0.00 | 667.77 | 226,475.00 |
| 280 | 3,143.31 | 2,482.76 | 0.00 | 660.55 | 223,992.24 |
| 281 | 3,143.31 | 2,490.00 | 0.00 | 653.31 | 221,502.23 |
| 282 | 3,143.31 | 2,497.26 | 0.00 | 646.05 | 219,004.97 |
| 283 | 3,143.31 | 2,504.55 | 0.00 | 638.76 | 216,500.42 |
| 284 | 3,143.31 | 2,511.85 | 0.00 | 631.46 | 213,988.57 |
| 285 | 3,143.31 | 2,519.18 | 0.00 | 624.13 | 211,469.39 |
| 286 | 3,143.31 | 2,526.53 | 0.00 | 616.79 | 208,942.86 |
| 287 | 3,143.31 | 2,533.90 | 0.00 | 609.42 | 206,408.96 |
| 288 | 3,143.31 | 2,541.29 | 0.00 | 602.03 | 203,867.68 |
| 289 | 3,143.31 | 2,548.70 | 0.00 | 594.61 | 201,318.98 |
| 290 | 3,143.31 | 2,556.13 | 0.00 | 587.18 | 198,762.85 |
| 291 | 3,143.31 | 2,563.59 | 0.00 | 579.72 | 196,199.26 |
| 292 | 3,143.31 | 2,571.06 | 0.00 | 572.25 | 193,628.19 |
| 293 | 3,143.31 | 2,578.56 | 0.00 | 564.75 | 191,049.63 |
| 294 | 3,143.31 | 2,586.08 | 0.00 | 557.23 | 188,463.55 |
| 295 | 3,143.31 | 2,593.63 | 0.00 | 549.69 | 185,869.92 |
| 296 | 3,143.31 | 2,601.19 | 0.00 | 542.12 | 183,268.73 |
| 297 | 3,143.31 | 2,608.78 | 0.00 | 534.53 | 180,659.95 |
| 298 | 3,143.31 | 2,616.39 | 0.00 | 526.92 | 178,043.56 |
| 299 | 3,143.31 | 2,624.02 | 0.00 | 519.29 | 175,419.54 |
| 300 | 3,143.31 | 2,631.67 | 0.00 | 511.64 | 172,787.87 |
| 301 | 3,143.31 | 2,639.35 | 0.00 | 503.96 | 170,148.52 |
| 302 | 3,143.31 | 2,647.05 | 0.00 | 496.27 | 167,501.47 |
| 303 | 3,143.31 | 2,654.77 | 0.00 | 488.55 | 164,846.71 |
| 304 | 3,143.31 | 2,662.51 | 0.00 | 480.80 | 162,184.20 |
| 305 | 3,143.31 | 2,670.28 | 0.00 | 473.04 | 159,513.92 |
| 306 | 3,143.31 | 2,678.06 | 0.00 | 465.25 | 156,835.86 |
| 307 | 3,143.31 | 2,685.87 | 0.00 | 457.44 | 154,149.98 |
| 308 | 3,143.31 | 2,693.71 | 0.00 | 449.60 | 151,456.27 |
| 309 | 3,143.31 | 2,701.57 | 0.00 | 441.75 | 148,754.71 |
| 310 | 3,143.31 | 2,709.44 | 0.00 | 433.87 | 146,045.26 |
| 311 | 3,143.31 | 2,717.35 | 0.00 | 425.97 | 143,327.92 |
| 312 | 3,143.31 | 2,725.27 | 0.00 | 418.04 | 140,602.64 |
| 313 | 3,143.31 | 2,733.22 | 0.00 | 410.09 | 137,869.42 |
| 314 | 3,143.31 | 2,741.19 | 0.00 | 402.12 | 135,128.23 |
| 315 | 3,143.31 | 2,749.19 | 0.00 | 394.12 | 132,379.04 |
| 316 | 3,143.31 | 2,757.21 | 0.00 | 386.11 | 129,621.83 |
| 317 | 3,143.31 | 2,765.25 | 0.00 | 378.06 | 126,856.58 |
| 318 | 3,143.31 | 2,773.31 | 0.00 | 370.00 | 124,083.27 |
| 319 | 3,143.31 | 2,781.40 | 0.00 | 361.91 | 121,301.86 |
| 320 | 3,143.31 | 2,789.52 | 0.00 | 353.80 | 118,512.35 |
| 321 | 3,143.31 | 2,797.65 | 0.00 | 345.66 | 115,714.70 |
| 322 | 3,143.31 | 2,805.81 | 0.00 | 337.50 | 112,908.88 |
| 323 | 3,143.31 | 2,814.00 | 0.00 | 329.32 | 110,094.89 |
| 324 | 3,143.31 | 2,822.20 | 0.00 | 321.11 | 107,272.69 |
| 325 | 3,143.31 | 2,830.43 | 0.00 | 312.88 | 104,442.25 |
| 326 | 3,143.31 | 2,838.69 | 0.00 | 304.62 | 101,603.56 |
| 327 | 3,143.31 | 2,846.97 | 0.00 | 296.34 | 98,756.59 |
| 328 | 3,143.31 | 2,855.27 | 0.00 | 288.04 | 95,901.32 |
| 329 | 3,143.31 | 2,863.60 | 0.00 | 279.71 | 93,037.72 |
| 330 | 3,143.31 | 2,871.95 | 0.00 | 271.36 | 90,165.77 |
| 331 | 3,143.31 | 2,880.33 | 0.00 | 262.98 | 87,285.44 |
| 332 | 3,143.31 | 2,888.73 | 0.00 | 254.58 | 84,396.71 |
| 333 | 3,143.31 | 2,897.16 | 0.00 | 246.16 | 81,499.55 |
| 334 | 3,143.31 | 2,905.61 | 0.00 | 237.71 | 78,593.95 |
| 335 | 3,143.31 | 2,914.08 | 0.00 | 229.23 | 75,679.87 |
| 336 | 3,143.31 | 2,922.58 | 0.00 | 220.73 | 72,757.29 |
| 337 | 3,143.31 | 2,931.10 | 0.00 | 212.21 | 69,826.18 |
| 338 | 3,143.31 | 2,939.65 | 0.00 | 203.66 | 66,886.53 |
| 339 | 3,143.31 | 2,948.23 | 0.00 | 195.09 | 63,938.30 |
| 340 | 3,143.31 | 2,956.83 | 0.00 | 186.49 | 60,981.48 |
| 341 | 3,143.31 | 2,965.45 | 0.00 | 177.86 | 58,016.03 |
| 342 | 3,143.31 | 2,974.10 | 0.00 | 169.21 | 55,041.93 |
| 343 | 3,143.31 | 2,982.77 | 0.00 | 160.54 | 52,059.15 |
| 344 | 3,143.31 | 2,991.47 | 0.00 | 151.84 | 49,067.68 |
| 345 | 3,143.31 | 3,000.20 | 0.00 | 143.11 | 46,067.48 |
| 346 | 3,143.31 | 3,008.95 | 0.00 | 134.36 | 43,058.53 |
| 347 | 3,143.31 | 3,017.73 | 0.00 | 125.59 | 40,040.81 |
| 348 | 3,143.31 | 3,026.53 | 0.00 | 116.79 | 37,014.28 |
| 349 | 3,143.31 | 3,035.35 | 0.00 | 107.96 | 33,978.92 |
| 350 | 3,143.31 | 3,044.21 | 0.00 | 99.11 | 30,934.72 |
| 351 | 3,143.31 | 3,053.09 | 0.00 | 90.23 | 27,881.63 |
| 352 | 3,143.31 | 3,061.99 | 0.00 | 81.32 | 24,819.64 |
| 353 | 3,143.31 | 3,070.92 | 0.00 | 72.39 | 21,748.72 |
| 354 | 3,143.31 | 3,079.88 | 0.00 | 63.43 | 18,668.84 |
| 355 | 3,143.31 | 3,088.86 | 0.00 | 54.45 | 15,579.97 |
| 356 | 3,143.31 | 3,097.87 | 0.00 | 45.44 | 12,482.10 |
| 357 | 3,143.31 | 3,106.91 | 0.00 | 36.41 | 9,375.20 |
| 358 | 3,143.31 | 3,115.97 | 0.00 | 27.34 | 6,259.23 |
| 359 | 3,143.31 | 3,125.06 | 0.00 | 18.26 | 3,134.17 |
| 360 | 3,143.31 | 3,134.17 | 0.00 | 9.14 | 0.00 |

[Compare a refinance with your remaining loan](https://theloanweek.com/calculator/mortgage-refinance/) · [Compare two rate-and-points quotes](https://theloanweek.com/calculator/mortgage-points/)

## Questions

### How much is a $700,000 mortgage per month?

At 3.50%, a 30-year $700,000 mortgage costs $3,143.31 a month in principal and interest. Property tax and insurance add about $648.96 a month on a $875,000 home, for about $3,792.27 in total.

### How much income do I need for a $700,000 mortgage?

About $162,526 a year, if housing costs ($3,792.27 a month including estimated tax) stay at 28% of gross income. Other debts lower what lenders will approve under the 36% total-debt guideline.

### How much interest will I pay on a $700,000 mortgage?

$431,593 over 30 years at 3.50%. A 15-year loan at 3.50% cuts that to $200,752, but the payment rises to $5,004.18.

### What is the payment on a $700,000 mortgage at 3%?

$2,951.23 a month over 30 years, −$192.08 compared with 3.50%. Total interest would be $362,442.

### How much faster is a $700,000 mortgage paid off with $100 extra a month?

Adding $100 to every payment pays the loan off in 28 years 5 months instead of 30 years and saves about $25,882 in interest at 3.50%.

### Is this rate an offer?

No. 7.03% is the Freddie Mac weekly average for 30-year fixed loans with about 20% down and strong credit. Lenders price each borrower individually; your quote can be higher or lower.

## Sources

- [30-year fixed mortgage average: 7.03%](https://fred.stlouisfed.org/series/MORTGAGE30US). Freddie Mac Primary Mortgage Market Survey (PMMS), series MORTGAGE30US, as of September 24, 2026; retrieved September 27, 2026.
- [Property tax (median effective rate by state)](https://data.census.gov/table/ACSDT1Y2024.B25103). U.S. Census Bureau, American Community Survey 2024 1-year estimates: median real estate taxes paid (B25103) divided by median home value (B25077), owner-occupied homes (2024 data, retrieved September 28, 2026). Without a state, pages use 0.89%, the U.S. ratio of median real estate taxes paid to median home value (ACS 2024 1-year), marked as an estimate.
- [Homeowners insurance (average premium)](https://content.naic.org/sites/default/files/publication-hmr-zu-homeowners-report.pdf). NAIC homeowners insurance report, 2023 data, Table 4, average HO-3 premium by state (retrieved September 28, 2026). Included when you choose a state; a state average, not a quote.
- [28/36 debt-to-income guideline](https://www.consumerfinance.gov/ask-cfpb/what-is-a-debt-to-income-ratio-en-1791/). Lender guideline (Chase, Bankrate); CFPB debt-to-income guidance.
- [2026 conforming loan limits: $832,750 baseline, $1,249,125 high-cost ceiling](https://www.fhfa.gov/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026). Federal Housing Finance Agency, conforming loan limit values for 2026 (announced November 25, 2025); retrieved September 28, 2026.

Page calculations or content last changed September 28, 2026. Observation and retrieval dates are listed per source above. [How we calculate](https://theloanweek.com/methodology/).