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Rate alert: 30Y fixed is at 6.38% this week — that's $47/mo higher than 6 months ago on a $500k loan. A 1% rate drop saves you $297/mo.
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Live FRED data — 22 seriesRates, inflation, housing, treasury yields — updated weekly from the Federal Reserve.
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HOMERATES.AI · LIVE
$550k home, 20% down, what's my payment?
HOMERATES.AI
$2,749/mo
Principal & Interest · 30yr fixed · 6.38%
Loan amount$440,000
Down payment$110,000 (20%)
Total interest$549,744
LTV80% — No PMI
What if I put 10% down instead?
HOMERATES.AI
$3,191/mo
Includes PMI · 90% LTV · 6.38%
PMI added~$206/mo
Extra cost vs 20%+$442/mo
<2s
Average response
From question to full breakdown — no loading spinner
22
Live data series
FRED-sourced rates, inflation, and housing metrics