Finance Tools
0.25% Rate Change Payment Calculator
Estimate how a 0.25% interest rate change affects your monthly mortgage payment and total interest.
A 0.25% (one “quarter point”) rate change can meaningfully affect mortgage payments. This calculator shows how your monthly payment and total interest change when your rate moves by 0.25%.
How to use this 0.25% rate change payment calculator
- Enter your loan amount and term (years).
- Enter your current interest rate.
- Choose whether the rate changes up or down by 0.25%.
- Click Calculate to see the monthly payment and interest difference.
Example
Suppose you want to see how a quarter-point rate change affects your mortgage payment.
- Loan amount: $300,000, term: 30 years
- Current rate: 7.00%
- Rate change: -0.25% (to 6.75%)
- This tool shows monthly payment change and lifetime interest difference.
More tools in Finance Tools
- Balloon Mortgage Calculator
Estimate monthly mortgage payments and the balloon payment (remaining balance) due at a specific time, including optional taxes and insurance.
- USDA Loan Payment Calculator
Estimate USDA loan monthly payments including USDA upfront guarantee fee and annual fee. Compare payments with and without rolling fees into the loan.
- Mortgage Rate Change Impact Calculator
Estimate how a mortgage interest rate increase or decrease changes your monthly payment and total interest.
- Mortgage Rate Buydown Calculator (2-1 / 1-0)
Calculate how temporary mortgage rate buydowns (2-1 or 1-0) affect your monthly payment and total cost.