Fixed Rate Mortgage APR Calculator

This calculator will compute the effective interest rate of a mortgage when upfront loan costs are included.

This calculator and others on this site are provided without warranty regarding their accuracy or applicability to your individual circumstance.
They are for your personal use and are not intended to replace professional financial advice.

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Mortgage loan amount:
Quoted interest rate (%):
Mortgage loan term (# years):
Points (%):
Other closing costs to include:

Principal and interest payment:
Total of points and other closing costs:
Effective loan amount:
Monthly payment on effective loan amount:
But loan amount is really only:
Therefore, the APR is really this amount: