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Buy a Home

From how much house you can afford to your first monthly payment — all the tools for the purchase journey.

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  • Home Affordability
  • Mortgage Calculator
  • Down Payment
  • Closing Costs Estimator
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Today's mortgage rates

Freddie Mac PMMS · as of Oct 1, 202630-yr & 15-yr fixed: Freddie Mac PMMS. 5/1 ARM & HELOC: Bankrate Monitor. National averages — your actual rate will vary by credit score, down payment, and lender.
30-year fixed
7.28%
▲ 0.25% this week
5.98%52-week range7.28%
Calculate with this rate →
15-year fixed
6.60%
▲ 0.18% this week
5.35%52-week range6.60%
Calculate with this rate →
5/1 ARM
6.86%
▲ 0.18% this week
5.67%52-week range6.86%
Calculate with this rate →
HELOC
7.29%
▲ 0.01% this week
7.02%52-week range8.22%
Calculate HELOC →
52-week history

Where rates have been.

30-yr Fixed7.28%
15-yr Fixed6.60%
5/1 ARM6.86%
5 paths

Where are you in your journey?

Pick a goal — we'll surface exactly the right calculators and reading for your situation.

Mortgage payment calculator

See the whole payment before you fall for the house.

  • Taxes, insurance and PMI included — not just principal & interest
  • Priced at today's 30- and 15-year rates
  • Shows the income lenders will expect to see
Open the full calculator →
Estimated monthly payment
$3,662/mo
Principal & int.$2,771
Property tax$413
Insurance$208
PMI$270
$450,000
$45,000
Income needed$156,938/yr
Total interest$592,582
Estimate · 1.1% property tax, $2,500/yr insurance, 0.8% PMI under 20% down · 28% housing ratio

Step by step

The Home Buying Process

Scroll or swipe through each stage — from pre-approval to keys in hand.

Mortgage types

Every loan type, compared.

Full guide
TypeRateDown paymentBest for
Conventional7.28%3–20%Strong credit, stable incomeNo PMI with 20% down · widely availableFHAVaries3.5% minLower credit scores, first-time buyersMIP required · flexible underwritingVAVaries0%Veterans, active military, spousesNo PMI · funding fee may apply15-Year Fixed6.60%Same as 30-yearFaster payoff, far less interestHigher monthly payment · big lifetime savings5/1 ARM6.86%5–10%Plan to move within 5–7 yearsFixed 5 yrs · then adjusts annuallyJumboVaries10–20%Loans above the conforming limit (~$806k)Stricter underwriting · larger loan sizes
Read first · from the LoanPal blog

Plain-English guides for every step.

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