HomeKey: Mortgage Calculator

See your real monthly house payment in seconds, with today's average US mortgage rate already filled in. HomeKey puts 19 home loan calculators and live rate charts in one clean app. No sign-up. Nothing you type leaves your phone. TODAY'S RATES - US average 30-year and 15-year fixed rates (Freddie Mac weekly survey) - 10-year Treasury yield and the Fed funds target - Charts for 3 months, 1 year and 5 years, with 52-week high and low - "Your payment today": how the latest rate changes your own monthly payment - Set a target rate and see how far away it is CALCULATORS - Mortgage payment (PITI) with property tax, insurance, HOA and PMI - How much house can I afford? - Down payment options from 3% to 25% - Closing costs and cash to close - Rent or buy? - Property tax for all 50 states - FHA, VA and USDA loans with their fees - Adjustable rate (ARM) worst-case payment - Refinance with break-even month - Pay off early: extra monthly, yearly, one-time or bi-weekly payments - My loan today: balance, equity and payoff date - HELOC, compare two loan offers, APR, credit score impact, debt-to-income, auto loan EVERY RESULT COMES WITH - Clear breakdown chart and loan balance curve - Payment schedule by year or by month - Save, share, PDF report and CSV export PLAN YOUR PURCHASE - Down payment savings tracker with a target date - 12 steps to your home, from credit check to closing day - Mortgage words explained in plain English - Light and dark mode HomeKey is a planning tool. It is not a lender, does not offer loans and does not give financial advice. Rates shown are national averages; your own rate depends on your credit, down payment and lender. HomeKey is not affiliated with Freddie Mac, the US Treasury or the Federal Reserve.