---
title: "$825,000 Mortgage at 4%: $3,939/mo (30-Year) | The Loan Week"
description: "A $825,000 30-year mortgage at 4% costs $3,938.68 a month, −$1,566.70 vs. the 7.03% average (Sep 24, 2026). $592,923 total interest; full schedule."
url: https://theloanweek.com/mortgage/825000/4-percent/
updated: 2026-09-28
site: "The Loan Week"
language: en
---

# $825,000 mortgage at 4%

30-year fixed at 4%. At this week's 7.03% average the payment would be $5,505.38 (−$1,566.70 a month at 4%).

Principal and interest

$3,938.68 a month

*Chart: Of $1,417,923 in loan payments, $825,000 repays the loan and $592,923 is interest.*

- **Total interest over 30 years**: $592,923
- **Total loan payments**: $1,417,923
- **Interest per dollar of loan payments**: 42¢

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 $825,000 loan is under the $832,750 baseline conforming limit for 2026 by $7,750, so a slightly larger loan in most counties would be a jumbo loan.
- Itemizers can deduct interest on up to $750,000 of home acquisition debt, so about 8% of the first year's $32,736 in interest ($2,736) would not be deductible (IRS Publication 936 method).
- No weekly 30-year average in the past year was as low as 4%: 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 $825,000 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/825000/3-percent/) | $3,478.23 | −$2,027.14 | $427,164 |
| [3.25%](https://theloanweek.com/mortgage/825000/3.25-percent/) | $3,590.45 | −$1,914.93 | $467,563 |
| [3.50%](https://theloanweek.com/mortgage/825000/3.5-percent/) | $3,704.62 | −$1,800.76 | $508,663 |
| [3.75%](https://theloanweek.com/mortgage/825000/3.75-percent/) | $3,820.70 | −$1,684.67 | $550,453 |
| [4.00%](https://theloanweek.com/mortgage/825000/4-percent/) this page | $3,938.68 | −$1,566.70 | $592,923 |
| [4.25%](https://theloanweek.com/mortgage/825000/4.25-percent/) | $4,058.50 | −$1,446.87 | $636,061 |
| [4.50%](https://theloanweek.com/mortgage/825000/4.5-percent/) | $4,180.15 | −$1,325.22 | $679,855 |
| [4.75%](https://theloanweek.com/mortgage/825000/4.75-percent/) | $4,303.59 | −$1,201.79 | $724,293 |
| [5.00%](https://theloanweek.com/mortgage/825000/5-percent/) | $4,428.78 | −$1,076.60 | $769,360 |
| 7.03% this week's average | $5,505.38 | $0.00 | $1,156,936 |

## Other terms at 4%

| Term | Rate | Monthly payment | Total interest | Total paid |
| --- | --- | --- | --- | --- |
| 15-year fixed | 4.00% | $6,102.43 | $273,437 | $1,098,437 |
| 20-year fixed | 4.00% | $4,999.34 | $374,841 | $1,199,841 |
| 30-year fixed | 4.00% | $3,938.68 | $592,923 | $1,417,923 |

## With taxes

**Assumes the $825,000 loan is 80% of a $1,031,250 purchase (20% down, so no PMI).**

| Principal and interest | $3,938.68 |
| --- | --- |
| Property tax 0.89% a year, estimate | $764.84 |
| Homeowners insurance | not included |
| Monthly subtotal before insurance/HOA | $4,703.52 |

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=1031250&down=20&rate=4&years=30&state=) · [Estimate conventional PMI request and termination milestones](https://theloanweek.com/calculator/pmi-removal/)

## Income needed

To keep the $4,703.52 monthly housing cost at 28% of gross income, you'd need about **$201,579 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 153. The chart below compares totals for each loan year.

*Chart: Principal and interest paid each year on a $825,000 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 14.*

### First 12 months

**Amortization schedule for a $825,000 mortgage at 4.00% over 30 years, months 1–12; first payment $3,938.68. The final payment may be smaller.**

| Payment | Total payment | Regular principal | Extra | Interest | Balance |
| --- | --- | --- | --- | --- | --- |
| 1 | $3,938.68 | $1,188.68 | $0.00 | $2,750.00 | $823,811.32 |
| 2 | $3,938.68 | $1,192.64 | $0.00 | $2,746.04 | $822,618.69 |
| 3 | $3,938.68 | $1,196.61 | $0.00 | $2,742.06 | $821,422.07 |
| 4 | $3,938.68 | $1,200.60 | $0.00 | $2,738.07 | $820,221.47 |
| 5 | $3,938.68 | $1,204.60 | $0.00 | $2,734.07 | $819,016.86 |
| 6 | $3,938.68 | $1,208.62 | $0.00 | $2,730.06 | $817,808.24 |
| 7 | $3,938.68 | $1,212.65 | $0.00 | $2,726.03 | $816,595.60 |
| 8 | $3,938.68 | $1,216.69 | $0.00 | $2,721.99 | $815,378.90 |
| 9 | $3,938.68 | $1,220.75 | $0.00 | $2,717.93 | $814,158.16 |
| 10 | $3,938.68 | $1,224.82 | $0.00 | $2,713.86 | $812,933.34 |
| 11 | $3,938.68 | $1,228.90 | $0.00 | $2,709.78 | $811,704.44 |
| 12 | $3,938.68 | $1,232.99 | $0.00 | $2,705.68 | $810,471.45 |

### Year by year

**Totals for each loan year**

| Loan year | Total paid | Principal incl. extras | Interest | Balance at year end |
| --- | --- | --- | --- | --- |
| 1 | $47,264 | $14,529 | $32,736 | $810,471 |
| 2 | $47,264 | $15,120 | $32,144 | $795,351 |
| 3 | $47,264 | $15,736 | $31,528 | $779,614 |
| 4 | $47,264 | $16,378 | $30,886 | $763,237 |
| 5 | $47,264 | $17,045 | $30,219 | $746,192 |
| 6 | $47,264 | $17,739 | $29,525 | $728,453 |
| 7 | $47,264 | $18,462 | $28,802 | $709,991 |
| 8 | $47,264 | $19,214 | $28,050 | $690,776 |
| 9 | $47,264 | $19,997 | $27,267 | $670,779 |
| 10 | $47,264 | $20,812 | $26,452 | $649,968 |
| 11 | $47,264 | $21,660 | $25,604 | $628,308 |
| 12 | $47,264 | $22,542 | $24,722 | $605,766 |
| 13 | $47,264 | $23,460 | $23,804 | $582,305 |
| 14 | $47,264 | $24,416 | $22,848 | $557,889 |
| 15 | $47,264 | $25,411 | $21,853 | $532,478 |
| 16 | $47,264 | $26,446 | $20,818 | $506,032 |
| 17 | $47,264 | $27,524 | $19,740 | $478,508 |
| 18 | $47,264 | $28,645 | $18,619 | $449,863 |
| 19 | $47,264 | $29,812 | $17,452 | $420,051 |
| 20 | $47,264 | $31,027 | $16,237 | $389,024 |
| 21 | $47,264 | $32,291 | $14,973 | $356,733 |
| 22 | $47,264 | $33,606 | $13,658 | $323,126 |
| 23 | $47,264 | $34,976 | $12,288 | $288,151 |
| 24 | $47,264 | $36,401 | $10,863 | $251,750 |
| 25 | $47,264 | $37,884 | $9,380 | $213,866 |
| 26 | $47,264 | $39,427 | $7,837 | $174,439 |
| 27 | $47,264 | $41,033 | $6,231 | $133,406 |
| 28 | $47,264 | $42,705 | $4,559 | $90,701 |
| 29 | $47,264 | $44,445 | $2,819 | $46,256 |
| 30 | $47,264 | $46,256 | $1,008 | $0 |
| Total | $1,417,923 | $825,000 | $592,923 | $0 |

*Chart: Balance remaining on a $825,000 mortgage over 30 years. The loan balance left at the end of each year, from $825,000 down to $0.*

### Full schedule, all 360 payments

**Amortization schedule for a $825,000 mortgage at 4.00% over 30 years, every payment**

| Payment | Total payment | Regular principal | Extra | Interest | Balance |
| --- | --- | --- | --- | --- | --- |
| 1 | 3,938.68 | 1,188.68 | 0.00 | 2,750.00 | 823,811.32 |
| 2 | 3,938.68 | 1,192.64 | 0.00 | 2,746.04 | 822,618.69 |
| 3 | 3,938.68 | 1,196.61 | 0.00 | 2,742.06 | 821,422.07 |
| 4 | 3,938.68 | 1,200.60 | 0.00 | 2,738.07 | 820,221.47 |
| 5 | 3,938.68 | 1,204.60 | 0.00 | 2,734.07 | 819,016.86 |
| 6 | 3,938.68 | 1,208.62 | 0.00 | 2,730.06 | 817,808.24 |
| 7 | 3,938.68 | 1,212.65 | 0.00 | 2,726.03 | 816,595.60 |
| 8 | 3,938.68 | 1,216.69 | 0.00 | 2,721.99 | 815,378.90 |
| 9 | 3,938.68 | 1,220.75 | 0.00 | 2,717.93 | 814,158.16 |
| 10 | 3,938.68 | 1,224.82 | 0.00 | 2,713.86 | 812,933.34 |
| 11 | 3,938.68 | 1,228.90 | 0.00 | 2,709.78 | 811,704.44 |
| 12 | 3,938.68 | 1,232.99 | 0.00 | 2,705.68 | 810,471.45 |
| 13 | 3,938.68 | 1,237.10 | 0.00 | 2,701.57 | 809,234.34 |
| 14 | 3,938.68 | 1,241.23 | 0.00 | 2,697.45 | 807,993.12 |
| 15 | 3,938.68 | 1,245.37 | 0.00 | 2,693.31 | 806,747.75 |
| 16 | 3,938.68 | 1,249.52 | 0.00 | 2,689.16 | 805,498.23 |
| 17 | 3,938.68 | 1,253.68 | 0.00 | 2,684.99 | 804,244.55 |
| 18 | 3,938.68 | 1,257.86 | 0.00 | 2,680.82 | 802,986.69 |
| 19 | 3,938.68 | 1,262.05 | 0.00 | 2,676.62 | 801,724.64 |
| 20 | 3,938.68 | 1,266.26 | 0.00 | 2,672.42 | 800,458.38 |
| 21 | 3,938.68 | 1,270.48 | 0.00 | 2,668.19 | 799,187.89 |
| 22 | 3,938.68 | 1,274.72 | 0.00 | 2,663.96 | 797,913.18 |
| 23 | 3,938.68 | 1,278.97 | 0.00 | 2,659.71 | 796,634.21 |
| 24 | 3,938.68 | 1,283.23 | 0.00 | 2,655.45 | 795,350.98 |
| 25 | 3,938.68 | 1,287.51 | 0.00 | 2,651.17 | 794,063.48 |
| 26 | 3,938.68 | 1,291.80 | 0.00 | 2,646.88 | 792,771.68 |
| 27 | 3,938.68 | 1,296.10 | 0.00 | 2,642.57 | 791,475.58 |
| 28 | 3,938.68 | 1,300.42 | 0.00 | 2,638.25 | 790,175.15 |
| 29 | 3,938.68 | 1,304.76 | 0.00 | 2,633.92 | 788,870.39 |
| 30 | 3,938.68 | 1,309.11 | 0.00 | 2,629.57 | 787,561.28 |
| 31 | 3,938.68 | 1,313.47 | 0.00 | 2,625.20 | 786,247.81 |
| 32 | 3,938.68 | 1,317.85 | 0.00 | 2,620.83 | 784,929.96 |
| 33 | 3,938.68 | 1,322.24 | 0.00 | 2,616.43 | 783,607.72 |
| 34 | 3,938.68 | 1,326.65 | 0.00 | 2,612.03 | 782,281.07 |
| 35 | 3,938.68 | 1,331.07 | 0.00 | 2,607.60 | 780,950.00 |
| 36 | 3,938.68 | 1,335.51 | 0.00 | 2,603.17 | 779,614.49 |
| 37 | 3,938.68 | 1,339.96 | 0.00 | 2,598.71 | 778,274.52 |
| 38 | 3,938.68 | 1,344.43 | 0.00 | 2,594.25 | 776,930.10 |
| 39 | 3,938.68 | 1,348.91 | 0.00 | 2,589.77 | 775,581.19 |
| 40 | 3,938.68 | 1,353.41 | 0.00 | 2,585.27 | 774,227.78 |
| 41 | 3,938.68 | 1,357.92 | 0.00 | 2,580.76 | 772,869.87 |
| 42 | 3,938.68 | 1,362.44 | 0.00 | 2,576.23 | 771,507.42 |
| 43 | 3,938.68 | 1,366.98 | 0.00 | 2,571.69 | 770,140.44 |
| 44 | 3,938.68 | 1,371.54 | 0.00 | 2,567.13 | 768,768.90 |
| 45 | 3,938.68 | 1,376.11 | 0.00 | 2,562.56 | 767,392.78 |
| 46 | 3,938.68 | 1,380.70 | 0.00 | 2,557.98 | 766,012.08 |
| 47 | 3,938.68 | 1,385.30 | 0.00 | 2,553.37 | 764,626.78 |
| 48 | 3,938.68 | 1,389.92 | 0.00 | 2,548.76 | 763,236.86 |
| 49 | 3,938.68 | 1,394.55 | 0.00 | 2,544.12 | 761,842.31 |
| 50 | 3,938.68 | 1,399.20 | 0.00 | 2,539.47 | 760,443.10 |
| 51 | 3,938.68 | 1,403.87 | 0.00 | 2,534.81 | 759,039.24 |
| 52 | 3,938.68 | 1,408.55 | 0.00 | 2,530.13 | 757,630.69 |
| 53 | 3,938.68 | 1,413.24 | 0.00 | 2,525.44 | 756,217.45 |
| 54 | 3,938.68 | 1,417.95 | 0.00 | 2,520.72 | 754,799.50 |
| 55 | 3,938.68 | 1,422.68 | 0.00 | 2,516.00 | 753,376.82 |
| 56 | 3,938.68 | 1,427.42 | 0.00 | 2,511.26 | 751,949.40 |
| 57 | 3,938.68 | 1,432.18 | 0.00 | 2,506.50 | 750,517.23 |
| 58 | 3,938.68 | 1,436.95 | 0.00 | 2,501.72 | 749,080.27 |
| 59 | 3,938.68 | 1,441.74 | 0.00 | 2,496.93 | 747,638.53 |
| 60 | 3,938.68 | 1,446.55 | 0.00 | 2,492.13 | 746,191.98 |
| 61 | 3,938.68 | 1,451.37 | 0.00 | 2,487.31 | 744,740.61 |
| 62 | 3,938.68 | 1,456.21 | 0.00 | 2,482.47 | 743,284.41 |
| 63 | 3,938.68 | 1,461.06 | 0.00 | 2,477.61 | 741,823.34 |
| 64 | 3,938.68 | 1,465.93 | 0.00 | 2,472.74 | 740,357.41 |
| 65 | 3,938.68 | 1,470.82 | 0.00 | 2,467.86 | 738,886.59 |
| 66 | 3,938.68 | 1,475.72 | 0.00 | 2,462.96 | 737,410.87 |
| 67 | 3,938.68 | 1,480.64 | 0.00 | 2,458.04 | 735,930.23 |
| 68 | 3,938.68 | 1,485.58 | 0.00 | 2,453.10 | 734,444.66 |
| 69 | 3,938.68 | 1,490.53 | 0.00 | 2,448.15 | 732,954.13 |
| 70 | 3,938.68 | 1,495.50 | 0.00 | 2,443.18 | 731,458.64 |
| 71 | 3,938.68 | 1,500.48 | 0.00 | 2,438.20 | 729,958.15 |
| 72 | 3,938.68 | 1,505.48 | 0.00 | 2,433.19 | 728,452.67 |
| 73 | 3,938.68 | 1,510.50 | 0.00 | 2,428.18 | 726,942.17 |
| 74 | 3,938.68 | 1,515.54 | 0.00 | 2,423.14 | 725,426.64 |
| 75 | 3,938.68 | 1,520.59 | 0.00 | 2,418.09 | 723,906.05 |
| 76 | 3,938.68 | 1,525.66 | 0.00 | 2,413.02 | 722,380.39 |
| 77 | 3,938.68 | 1,530.74 | 0.00 | 2,407.93 | 720,849.65 |
| 78 | 3,938.68 | 1,535.84 | 0.00 | 2,402.83 | 719,313.81 |
| 79 | 3,938.68 | 1,540.96 | 0.00 | 2,397.71 | 717,772.84 |
| 80 | 3,938.68 | 1,546.10 | 0.00 | 2,392.58 | 716,226.74 |
| 81 | 3,938.68 | 1,551.25 | 0.00 | 2,387.42 | 714,675.49 |
| 82 | 3,938.68 | 1,556.42 | 0.00 | 2,382.25 | 713,119.07 |
| 83 | 3,938.68 | 1,561.61 | 0.00 | 2,377.06 | 711,557.45 |
| 84 | 3,938.68 | 1,566.82 | 0.00 | 2,371.86 | 709,990.63 |
| 85 | 3,938.68 | 1,572.04 | 0.00 | 2,366.64 | 708,418.59 |
| 86 | 3,938.68 | 1,577.28 | 0.00 | 2,361.40 | 706,841.31 |
| 87 | 3,938.68 | 1,582.54 | 0.00 | 2,356.14 | 705,258.77 |
| 88 | 3,938.68 | 1,587.81 | 0.00 | 2,350.86 | 703,670.96 |
| 89 | 3,938.68 | 1,593.11 | 0.00 | 2,345.57 | 702,077.85 |
| 90 | 3,938.68 | 1,598.42 | 0.00 | 2,340.26 | 700,479.44 |
| 91 | 3,938.68 | 1,603.74 | 0.00 | 2,334.93 | 698,875.69 |
| 92 | 3,938.68 | 1,609.09 | 0.00 | 2,329.59 | 697,266.60 |
| 93 | 3,938.68 | 1,614.45 | 0.00 | 2,324.22 | 695,652.15 |
| 94 | 3,938.68 | 1,619.84 | 0.00 | 2,318.84 | 694,032.31 |
| 95 | 3,938.68 | 1,625.24 | 0.00 | 2,313.44 | 692,407.08 |
| 96 | 3,938.68 | 1,630.65 | 0.00 | 2,308.02 | 690,776.43 |
| 97 | 3,938.68 | 1,636.09 | 0.00 | 2,302.59 | 689,140.34 |
| 98 | 3,938.68 | 1,641.54 | 0.00 | 2,297.13 | 687,498.80 |
| 99 | 3,938.68 | 1,647.01 | 0.00 | 2,291.66 | 685,851.78 |
| 100 | 3,938.68 | 1,652.50 | 0.00 | 2,286.17 | 684,199.28 |
| 101 | 3,938.68 | 1,658.01 | 0.00 | 2,280.66 | 682,541.27 |
| 102 | 3,938.68 | 1,663.54 | 0.00 | 2,275.14 | 680,877.73 |
| 103 | 3,938.68 | 1,669.08 | 0.00 | 2,269.59 | 679,208.64 |
| 104 | 3,938.68 | 1,674.65 | 0.00 | 2,264.03 | 677,534.00 |
| 105 | 3,938.68 | 1,680.23 | 0.00 | 2,258.45 | 675,853.77 |
| 106 | 3,938.68 | 1,685.83 | 0.00 | 2,252.85 | 674,167.94 |
| 107 | 3,938.68 | 1,691.45 | 0.00 | 2,247.23 | 672,476.49 |
| 108 | 3,938.68 | 1,697.09 | 0.00 | 2,241.59 | 670,779.40 |
| 109 | 3,938.68 | 1,702.74 | 0.00 | 2,235.93 | 669,076.65 |
| 110 | 3,938.68 | 1,708.42 | 0.00 | 2,230.26 | 667,368.23 |
| 111 | 3,938.68 | 1,714.12 | 0.00 | 2,224.56 | 665,654.12 |
| 112 | 3,938.68 | 1,719.83 | 0.00 | 2,218.85 | 663,934.29 |
| 113 | 3,938.68 | 1,725.56 | 0.00 | 2,213.11 | 662,208.73 |
| 114 | 3,938.68 | 1,731.31 | 0.00 | 2,207.36 | 660,477.41 |
| 115 | 3,938.68 | 1,737.08 | 0.00 | 2,201.59 | 658,740.33 |
| 116 | 3,938.68 | 1,742.88 | 0.00 | 2,195.80 | 656,997.45 |
| 117 | 3,938.68 | 1,748.68 | 0.00 | 2,189.99 | 655,248.77 |
| 118 | 3,938.68 | 1,754.51 | 0.00 | 2,184.16 | 653,494.26 |
| 119 | 3,938.68 | 1,760.36 | 0.00 | 2,178.31 | 651,733.89 |
| 120 | 3,938.68 | 1,766.23 | 0.00 | 2,172.45 | 649,967.66 |
| 121 | 3,938.68 | 1,772.12 | 0.00 | 2,166.56 | 648,195.55 |
| 122 | 3,938.68 | 1,778.02 | 0.00 | 2,160.65 | 646,417.52 |
| 123 | 3,938.68 | 1,783.95 | 0.00 | 2,154.73 | 644,633.57 |
| 124 | 3,938.68 | 1,789.90 | 0.00 | 2,148.78 | 642,843.67 |
| 125 | 3,938.68 | 1,795.86 | 0.00 | 2,142.81 | 641,047.81 |
| 126 | 3,938.68 | 1,801.85 | 0.00 | 2,136.83 | 639,245.96 |
| 127 | 3,938.68 | 1,807.86 | 0.00 | 2,130.82 | 637,438.10 |
| 128 | 3,938.68 | 1,813.88 | 0.00 | 2,124.79 | 635,624.22 |
| 129 | 3,938.68 | 1,819.93 | 0.00 | 2,118.75 | 633,804.29 |
| 130 | 3,938.68 | 1,826.00 | 0.00 | 2,112.68 | 631,978.30 |
| 131 | 3,938.68 | 1,832.08 | 0.00 | 2,106.59 | 630,146.21 |
| 132 | 3,938.68 | 1,838.19 | 0.00 | 2,100.49 | 628,308.03 |
| 133 | 3,938.68 | 1,844.32 | 0.00 | 2,094.36 | 626,463.71 |
| 134 | 3,938.68 | 1,850.46 | 0.00 | 2,088.21 | 624,613.25 |
| 135 | 3,938.68 | 1,856.63 | 0.00 | 2,082.04 | 622,756.61 |
| 136 | 3,938.68 | 1,862.82 | 0.00 | 2,075.86 | 620,893.79 |
| 137 | 3,938.68 | 1,869.03 | 0.00 | 2,069.65 | 619,024.76 |
| 138 | 3,938.68 | 1,875.26 | 0.00 | 2,063.42 | 617,149.50 |
| 139 | 3,938.68 | 1,881.51 | 0.00 | 2,057.17 | 615,267.99 |
| 140 | 3,938.68 | 1,887.78 | 0.00 | 2,050.89 | 613,380.21 |
| 141 | 3,938.68 | 1,894.08 | 0.00 | 2,044.60 | 611,486.13 |
| 142 | 3,938.68 | 1,900.39 | 0.00 | 2,038.29 | 609,585.74 |
| 143 | 3,938.68 | 1,906.72 | 0.00 | 2,031.95 | 607,679.02 |
| 144 | 3,938.68 | 1,913.08 | 0.00 | 2,025.60 | 605,765.94 |
| 145 | 3,938.68 | 1,919.46 | 0.00 | 2,019.22 | 603,846.48 |
| 146 | 3,938.68 | 1,925.85 | 0.00 | 2,012.82 | 601,920.63 |
| 147 | 3,938.68 | 1,932.27 | 0.00 | 2,006.40 | 599,988.36 |
| 148 | 3,938.68 | 1,938.72 | 0.00 | 1,999.96 | 598,049.64 |
| 149 | 3,938.68 | 1,945.18 | 0.00 | 1,993.50 | 596,104.46 |
| 150 | 3,938.68 | 1,951.66 | 0.00 | 1,987.01 | 594,152.80 |
| 151 | 3,938.68 | 1,958.17 | 0.00 | 1,980.51 | 592,194.63 |
| 152 | 3,938.68 | 1,964.69 | 0.00 | 1,973.98 | 590,229.94 |
| 153 | 3,938.68 | 1,971.24 | 0.00 | 1,967.43 | 588,258.70 |
| 154 | 3,938.68 | 1,977.81 | 0.00 | 1,960.86 | 586,280.88 |
| 155 | 3,938.68 | 1,984.41 | 0.00 | 1,954.27 | 584,296.48 |
| 156 | 3,938.68 | 1,991.02 | 0.00 | 1,947.65 | 582,305.46 |
| 157 | 3,938.68 | 1,997.66 | 0.00 | 1,941.02 | 580,307.80 |
| 158 | 3,938.68 | 2,004.32 | 0.00 | 1,934.36 | 578,303.48 |
| 159 | 3,938.68 | 2,011.00 | 0.00 | 1,927.68 | 576,292.48 |
| 160 | 3,938.68 | 2,017.70 | 0.00 | 1,920.97 | 574,274.78 |
| 161 | 3,938.68 | 2,024.43 | 0.00 | 1,914.25 | 572,250.36 |
| 162 | 3,938.68 | 2,031.18 | 0.00 | 1,907.50 | 570,219.18 |
| 163 | 3,938.68 | 2,037.95 | 0.00 | 1,900.73 | 568,181.23 |
| 164 | 3,938.68 | 2,044.74 | 0.00 | 1,893.94 | 566,136.50 |
| 165 | 3,938.68 | 2,051.55 | 0.00 | 1,887.12 | 564,084.94 |
| 166 | 3,938.68 | 2,058.39 | 0.00 | 1,880.28 | 562,026.55 |
| 167 | 3,938.68 | 2,065.25 | 0.00 | 1,873.42 | 559,961.29 |
| 168 | 3,938.68 | 2,072.14 | 0.00 | 1,866.54 | 557,889.16 |
| 169 | 3,938.68 | 2,079.05 | 0.00 | 1,859.63 | 555,810.11 |
| 170 | 3,938.68 | 2,085.98 | 0.00 | 1,852.70 | 553,724.13 |
| 171 | 3,938.68 | 2,092.93 | 0.00 | 1,845.75 | 551,631.20 |
| 172 | 3,938.68 | 2,099.91 | 0.00 | 1,838.77 | 549,531.30 |
| 173 | 3,938.68 | 2,106.91 | 0.00 | 1,831.77 | 547,424.39 |
| 174 | 3,938.68 | 2,113.93 | 0.00 | 1,824.75 | 545,310.47 |
| 175 | 3,938.68 | 2,120.97 | 0.00 | 1,817.70 | 543,189.49 |
| 176 | 3,938.68 | 2,128.04 | 0.00 | 1,810.63 | 541,061.45 |
| 177 | 3,938.68 | 2,135.14 | 0.00 | 1,803.54 | 538,926.31 |
| 178 | 3,938.68 | 2,142.26 | 0.00 | 1,796.42 | 536,784.05 |
| 179 | 3,938.68 | 2,149.40 | 0.00 | 1,789.28 | 534,634.66 |
| 180 | 3,938.68 | 2,156.56 | 0.00 | 1,782.12 | 532,478.10 |
| 181 | 3,938.68 | 2,163.75 | 0.00 | 1,774.93 | 530,314.35 |
| 182 | 3,938.68 | 2,170.96 | 0.00 | 1,767.71 | 528,143.39 |
| 183 | 3,938.68 | 2,178.20 | 0.00 | 1,760.48 | 525,965.19 |
| 184 | 3,938.68 | 2,185.46 | 0.00 | 1,753.22 | 523,779.73 |
| 185 | 3,938.68 | 2,192.74 | 0.00 | 1,745.93 | 521,586.98 |
| 186 | 3,938.68 | 2,200.05 | 0.00 | 1,738.62 | 519,386.93 |
| 187 | 3,938.68 | 2,207.39 | 0.00 | 1,731.29 | 517,179.55 |
| 188 | 3,938.68 | 2,214.74 | 0.00 | 1,723.93 | 514,964.80 |
| 189 | 3,938.68 | 2,222.13 | 0.00 | 1,716.55 | 512,742.67 |
| 190 | 3,938.68 | 2,229.53 | 0.00 | 1,709.14 | 510,513.14 |
| 191 | 3,938.68 | 2,236.97 | 0.00 | 1,701.71 | 508,276.17 |
| 192 | 3,938.68 | 2,244.42 | 0.00 | 1,694.25 | 506,031.75 |
| 193 | 3,938.68 | 2,251.90 | 0.00 | 1,686.77 | 503,779.85 |
| 194 | 3,938.68 | 2,259.41 | 0.00 | 1,679.27 | 501,520.44 |
| 195 | 3,938.68 | 2,266.94 | 0.00 | 1,671.73 | 499,253.50 |
| 196 | 3,938.68 | 2,274.50 | 0.00 | 1,664.18 | 496,979.00 |
| 197 | 3,938.68 | 2,282.08 | 0.00 | 1,656.60 | 494,696.92 |
| 198 | 3,938.68 | 2,289.69 | 0.00 | 1,648.99 | 492,407.23 |
| 199 | 3,938.68 | 2,297.32 | 0.00 | 1,641.36 | 490,109.91 |
| 200 | 3,938.68 | 2,304.98 | 0.00 | 1,633.70 | 487,804.94 |
| 201 | 3,938.68 | 2,312.66 | 0.00 | 1,626.02 | 485,492.28 |
| 202 | 3,938.68 | 2,320.37 | 0.00 | 1,618.31 | 483,171.91 |
| 203 | 3,938.68 | 2,328.10 | 0.00 | 1,610.57 | 480,843.81 |
| 204 | 3,938.68 | 2,335.86 | 0.00 | 1,602.81 | 478,507.94 |
| 205 | 3,938.68 | 2,343.65 | 0.00 | 1,595.03 | 476,164.29 |
| 206 | 3,938.68 | 2,351.46 | 0.00 | 1,587.21 | 473,812.83 |
| 207 | 3,938.68 | 2,359.30 | 0.00 | 1,579.38 | 471,453.53 |
| 208 | 3,938.68 | 2,367.16 | 0.00 | 1,571.51 | 469,086.37 |
| 209 | 3,938.68 | 2,375.05 | 0.00 | 1,563.62 | 466,711.31 |
| 210 | 3,938.68 | 2,382.97 | 0.00 | 1,555.70 | 464,328.34 |
| 211 | 3,938.68 | 2,390.92 | 0.00 | 1,547.76 | 461,937.43 |
| 212 | 3,938.68 | 2,398.88 | 0.00 | 1,539.79 | 459,538.54 |
| 213 | 3,938.68 | 2,406.88 | 0.00 | 1,531.80 | 457,131.66 |
| 214 | 3,938.68 | 2,414.90 | 0.00 | 1,523.77 | 454,716.76 |
| 215 | 3,938.68 | 2,422.95 | 0.00 | 1,515.72 | 452,293.80 |
| 216 | 3,938.68 | 2,431.03 | 0.00 | 1,507.65 | 449,862.77 |
| 217 | 3,938.68 | 2,439.13 | 0.00 | 1,499.54 | 447,423.64 |
| 218 | 3,938.68 | 2,447.26 | 0.00 | 1,491.41 | 444,976.37 |
| 219 | 3,938.68 | 2,455.42 | 0.00 | 1,483.25 | 442,520.95 |
| 220 | 3,938.68 | 2,463.61 | 0.00 | 1,475.07 | 440,057.35 |
| 221 | 3,938.68 | 2,471.82 | 0.00 | 1,466.86 | 437,585.53 |
| 222 | 3,938.68 | 2,480.06 | 0.00 | 1,458.62 | 435,105.47 |
| 223 | 3,938.68 | 2,488.32 | 0.00 | 1,450.35 | 432,617.15 |
| 224 | 3,938.68 | 2,496.62 | 0.00 | 1,442.06 | 430,120.53 |
| 225 | 3,938.68 | 2,504.94 | 0.00 | 1,433.74 | 427,615.59 |
| 226 | 3,938.68 | 2,513.29 | 0.00 | 1,425.39 | 425,102.29 |
| 227 | 3,938.68 | 2,521.67 | 0.00 | 1,417.01 | 422,580.63 |
| 228 | 3,938.68 | 2,530.07 | 0.00 | 1,408.60 | 420,050.55 |
| 229 | 3,938.68 | 2,538.51 | 0.00 | 1,400.17 | 417,512.04 |
| 230 | 3,938.68 | 2,546.97 | 0.00 | 1,391.71 | 414,965.07 |
| 231 | 3,938.68 | 2,555.46 | 0.00 | 1,383.22 | 412,409.62 |
| 232 | 3,938.68 | 2,563.98 | 0.00 | 1,374.70 | 409,845.64 |
| 233 | 3,938.68 | 2,572.52 | 0.00 | 1,366.15 | 407,273.11 |
| 234 | 3,938.68 | 2,581.10 | 0.00 | 1,357.58 | 404,692.01 |
| 235 | 3,938.68 | 2,589.70 | 0.00 | 1,348.97 | 402,102.31 |
| 236 | 3,938.68 | 2,598.34 | 0.00 | 1,340.34 | 399,503.98 |
| 237 | 3,938.68 | 2,607.00 | 0.00 | 1,331.68 | 396,896.98 |
| 238 | 3,938.68 | 2,615.69 | 0.00 | 1,322.99 | 394,281.29 |
| 239 | 3,938.68 | 2,624.41 | 0.00 | 1,314.27 | 391,656.89 |
| 240 | 3,938.68 | 2,633.15 | 0.00 | 1,305.52 | 389,023.74 |
| 241 | 3,938.68 | 2,641.93 | 0.00 | 1,296.75 | 386,381.81 |
| 242 | 3,938.68 | 2,650.74 | 0.00 | 1,287.94 | 383,731.07 |
| 243 | 3,938.68 | 2,659.57 | 0.00 | 1,279.10 | 381,071.50 |
| 244 | 3,938.68 | 2,668.44 | 0.00 | 1,270.24 | 378,403.06 |
| 245 | 3,938.68 | 2,677.33 | 0.00 | 1,261.34 | 375,725.73 |
| 246 | 3,938.68 | 2,686.26 | 0.00 | 1,252.42 | 373,039.47 |
| 247 | 3,938.68 | 2,695.21 | 0.00 | 1,243.46 | 370,344.26 |
| 248 | 3,938.68 | 2,704.20 | 0.00 | 1,234.48 | 367,640.06 |
| 249 | 3,938.68 | 2,713.21 | 0.00 | 1,225.47 | 364,926.85 |
| 250 | 3,938.68 | 2,722.25 | 0.00 | 1,216.42 | 362,204.60 |
| 251 | 3,938.68 | 2,731.33 | 0.00 | 1,207.35 | 359,473.27 |
| 252 | 3,938.68 | 2,740.43 | 0.00 | 1,198.24 | 356,732.84 |
| 253 | 3,938.68 | 2,749.57 | 0.00 | 1,189.11 | 353,983.27 |
| 254 | 3,938.68 | 2,758.73 | 0.00 | 1,179.94 | 351,224.54 |
| 255 | 3,938.68 | 2,767.93 | 0.00 | 1,170.75 | 348,456.61 |
| 256 | 3,938.68 | 2,777.15 | 0.00 | 1,161.52 | 345,679.46 |
| 257 | 3,938.68 | 2,786.41 | 0.00 | 1,152.26 | 342,893.05 |
| 258 | 3,938.68 | 2,795.70 | 0.00 | 1,142.98 | 340,097.35 |
| 259 | 3,938.68 | 2,805.02 | 0.00 | 1,133.66 | 337,292.33 |
| 260 | 3,938.68 | 2,814.37 | 0.00 | 1,124.31 | 334,477.96 |
| 261 | 3,938.68 | 2,823.75 | 0.00 | 1,114.93 | 331,654.21 |
| 262 | 3,938.68 | 2,833.16 | 0.00 | 1,105.51 | 328,821.05 |
| 263 | 3,938.68 | 2,842.61 | 0.00 | 1,096.07 | 325,978.44 |
| 264 | 3,938.68 | 2,852.08 | 0.00 | 1,086.59 | 323,126.36 |
| 265 | 3,938.68 | 2,861.59 | 0.00 | 1,077.09 | 320,264.77 |
| 266 | 3,938.68 | 2,871.13 | 0.00 | 1,067.55 | 317,393.65 |
| 267 | 3,938.68 | 2,880.70 | 0.00 | 1,057.98 | 314,512.95 |
| 268 | 3,938.68 | 2,890.30 | 0.00 | 1,048.38 | 311,622.65 |
| 269 | 3,938.68 | 2,899.93 | 0.00 | 1,038.74 | 308,722.72 |
| 270 | 3,938.68 | 2,909.60 | 0.00 | 1,029.08 | 305,813.12 |
| 271 | 3,938.68 | 2,919.30 | 0.00 | 1,019.38 | 302,893.82 |
| 272 | 3,938.68 | 2,929.03 | 0.00 | 1,009.65 | 299,964.79 |
| 273 | 3,938.68 | 2,938.79 | 0.00 | 999.88 | 297,025.99 |
| 274 | 3,938.68 | 2,948.59 | 0.00 | 990.09 | 294,077.40 |
| 275 | 3,938.68 | 2,958.42 | 0.00 | 980.26 | 291,118.98 |
| 276 | 3,938.68 | 2,968.28 | 0.00 | 970.40 | 288,150.71 |
| 277 | 3,938.68 | 2,978.17 | 0.00 | 960.50 | 285,172.53 |
| 278 | 3,938.68 | 2,988.10 | 0.00 | 950.58 | 282,184.43 |
| 279 | 3,938.68 | 2,998.06 | 0.00 | 940.61 | 279,186.37 |
| 280 | 3,938.68 | 3,008.05 | 0.00 | 930.62 | 276,178.31 |
| 281 | 3,938.68 | 3,018.08 | 0.00 | 920.59 | 273,160.23 |
| 282 | 3,938.68 | 3,028.14 | 0.00 | 910.53 | 270,132.09 |
| 283 | 3,938.68 | 3,038.24 | 0.00 | 900.44 | 267,093.85 |
| 284 | 3,938.68 | 3,048.36 | 0.00 | 890.31 | 264,045.49 |
| 285 | 3,938.68 | 3,058.52 | 0.00 | 880.15 | 260,986.97 |
| 286 | 3,938.68 | 3,068.72 | 0.00 | 869.96 | 257,918.25 |
| 287 | 3,938.68 | 3,078.95 | 0.00 | 859.73 | 254,839.30 |
| 288 | 3,938.68 | 3,089.21 | 0.00 | 849.46 | 251,750.09 |
| 289 | 3,938.68 | 3,099.51 | 0.00 | 839.17 | 248,650.58 |
| 290 | 3,938.68 | 3,109.84 | 0.00 | 828.84 | 245,540.74 |
| 291 | 3,938.68 | 3,120.21 | 0.00 | 818.47 | 242,420.53 |
| 292 | 3,938.68 | 3,130.61 | 0.00 | 808.07 | 239,289.92 |
| 293 | 3,938.68 | 3,141.04 | 0.00 | 797.63 | 236,148.88 |
| 294 | 3,938.68 | 3,151.51 | 0.00 | 787.16 | 232,997.36 |
| 295 | 3,938.68 | 3,162.02 | 0.00 | 776.66 | 229,835.35 |
| 296 | 3,938.68 | 3,172.56 | 0.00 | 766.12 | 226,662.79 |
| 297 | 3,938.68 | 3,183.13 | 0.00 | 755.54 | 223,479.65 |
| 298 | 3,938.68 | 3,193.74 | 0.00 | 744.93 | 220,285.91 |
| 299 | 3,938.68 | 3,204.39 | 0.00 | 734.29 | 217,081.52 |
| 300 | 3,938.68 | 3,215.07 | 0.00 | 723.61 | 213,866.45 |
| 301 | 3,938.68 | 3,225.79 | 0.00 | 712.89 | 210,640.66 |
| 302 | 3,938.68 | 3,236.54 | 0.00 | 702.14 | 207,404.12 |
| 303 | 3,938.68 | 3,247.33 | 0.00 | 691.35 | 204,156.79 |
| 304 | 3,938.68 | 3,258.15 | 0.00 | 680.52 | 200,898.64 |
| 305 | 3,938.68 | 3,269.01 | 0.00 | 669.66 | 197,629.62 |
| 306 | 3,938.68 | 3,279.91 | 0.00 | 658.77 | 194,349.71 |
| 307 | 3,938.68 | 3,290.84 | 0.00 | 647.83 | 191,058.87 |
| 308 | 3,938.68 | 3,301.81 | 0.00 | 636.86 | 187,757.06 |
| 309 | 3,938.68 | 3,312.82 | 0.00 | 625.86 | 184,444.24 |
| 310 | 3,938.68 | 3,323.86 | 0.00 | 614.81 | 181,120.38 |
| 311 | 3,938.68 | 3,334.94 | 0.00 | 603.73 | 177,785.43 |
| 312 | 3,938.68 | 3,346.06 | 0.00 | 592.62 | 174,439.38 |
| 313 | 3,938.68 | 3,357.21 | 0.00 | 581.46 | 171,082.16 |
| 314 | 3,938.68 | 3,368.40 | 0.00 | 570.27 | 167,713.76 |
| 315 | 3,938.68 | 3,379.63 | 0.00 | 559.05 | 164,334.13 |
| 316 | 3,938.68 | 3,390.90 | 0.00 | 547.78 | 160,943.24 |
| 317 | 3,938.68 | 3,402.20 | 0.00 | 536.48 | 157,541.04 |
| 318 | 3,938.68 | 3,413.54 | 0.00 | 525.14 | 154,127.50 |
| 319 | 3,938.68 | 3,424.92 | 0.00 | 513.76 | 150,702.58 |
| 320 | 3,938.68 | 3,436.33 | 0.00 | 502.34 | 147,266.25 |
| 321 | 3,938.68 | 3,447.79 | 0.00 | 490.89 | 143,818.46 |
| 322 | 3,938.68 | 3,459.28 | 0.00 | 479.39 | 140,359.18 |
| 323 | 3,938.68 | 3,470.81 | 0.00 | 467.86 | 136,888.36 |
| 324 | 3,938.68 | 3,482.38 | 0.00 | 456.29 | 133,405.98 |
| 325 | 3,938.68 | 3,493.99 | 0.00 | 444.69 | 129,911.99 |
| 326 | 3,938.68 | 3,505.64 | 0.00 | 433.04 | 126,406.36 |
| 327 | 3,938.68 | 3,517.32 | 0.00 | 421.35 | 122,889.03 |
| 328 | 3,938.68 | 3,529.05 | 0.00 | 409.63 | 119,359.99 |
| 329 | 3,938.68 | 3,540.81 | 0.00 | 397.87 | 115,819.18 |
| 330 | 3,938.68 | 3,552.61 | 0.00 | 386.06 | 112,266.57 |
| 331 | 3,938.68 | 3,564.45 | 0.00 | 374.22 | 108,702.11 |
| 332 | 3,938.68 | 3,576.34 | 0.00 | 362.34 | 105,125.78 |
| 333 | 3,938.68 | 3,588.26 | 0.00 | 350.42 | 101,537.52 |
| 334 | 3,938.68 | 3,600.22 | 0.00 | 338.46 | 97,937.30 |
| 335 | 3,938.68 | 3,612.22 | 0.00 | 326.46 | 94,325.08 |
| 336 | 3,938.68 | 3,624.26 | 0.00 | 314.42 | 90,700.82 |
| 337 | 3,938.68 | 3,636.34 | 0.00 | 302.34 | 87,064.48 |
| 338 | 3,938.68 | 3,648.46 | 0.00 | 290.21 | 83,416.02 |
| 339 | 3,938.68 | 3,660.62 | 0.00 | 278.05 | 79,755.40 |
| 340 | 3,938.68 | 3,672.82 | 0.00 | 265.85 | 76,082.57 |
| 341 | 3,938.68 | 3,685.07 | 0.00 | 253.61 | 72,397.51 |
| 342 | 3,938.68 | 3,697.35 | 0.00 | 241.33 | 68,700.16 |
| 343 | 3,938.68 | 3,709.68 | 0.00 | 229.00 | 64,990.48 |
| 344 | 3,938.68 | 3,722.04 | 0.00 | 216.63 | 61,268.44 |
| 345 | 3,938.68 | 3,734.45 | 0.00 | 204.23 | 57,533.99 |
| 346 | 3,938.68 | 3,746.90 | 0.00 | 191.78 | 53,787.09 |
| 347 | 3,938.68 | 3,759.39 | 0.00 | 179.29 | 50,027.71 |
| 348 | 3,938.68 | 3,771.92 | 0.00 | 166.76 | 46,255.79 |
| 349 | 3,938.68 | 3,784.49 | 0.00 | 154.19 | 42,471.30 |
| 350 | 3,938.68 | 3,797.11 | 0.00 | 141.57 | 38,674.20 |
| 351 | 3,938.68 | 3,809.76 | 0.00 | 128.91 | 34,864.43 |
| 352 | 3,938.68 | 3,822.46 | 0.00 | 116.21 | 31,041.97 |
| 353 | 3,938.68 | 3,835.20 | 0.00 | 103.47 | 27,206.77 |
| 354 | 3,938.68 | 3,847.99 | 0.00 | 90.69 | 23,358.78 |
| 355 | 3,938.68 | 3,860.81 | 0.00 | 77.86 | 19,497.97 |
| 356 | 3,938.68 | 3,873.68 | 0.00 | 64.99 | 15,624.29 |
| 357 | 3,938.68 | 3,886.60 | 0.00 | 52.08 | 11,737.69 |
| 358 | 3,938.68 | 3,899.55 | 0.00 | 39.13 | 7,838.14 |
| 359 | 3,938.68 | 3,912.55 | 0.00 | 26.13 | 3,925.59 |
| 360 | 3,938.68 | 3,925.59 | 0.00 | 13.09 | 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 $825,000 mortgage per month?

At 4.00%, a 30-year $825,000 mortgage costs $3,938.68 a month in principal and interest. Property tax and insurance add about $764.84 a month on a $1,031,250 home, for about $4,703.52 in total.

### How much income do I need for a $825,000 mortgage?

About $201,579 a year, if housing costs ($4,703.52 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 $825,000 mortgage?

$592,923 over 30 years at 4.00%. A 15-year loan at 4.00% cuts that to $273,437, but the payment rises to $6,102.43.

### What is the payment on a $825,000 mortgage at 3%?

$3,478.23 a month over 30 years, −$460.44 compared with 4.00%. Total interest would be $427,164.

### How much faster is a $825,000 mortgage paid off with $100 extra a month?

Adding $100 to every payment pays the loan off in 28 years 8 months instead of 30 years and saves about $31,601 in interest at 4.00%.

### 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.
- [Mortgage interest deduction limit: $750,000 of acquisition debt](https://www.irs.gov/publications/p936). IRS Publication 936, Home Mortgage Interest Deduction (2025 edition); retrieved September 28, 2026. Not tax advice.

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/).