Resources
Calculators & Rates
Model your purchase budget, test rate scenarios, or estimate refinance savings—then talk to Ally about the options that fit your situation.
Today's Benchmark Interest Rates
30-Year Fixed6.625%APR 6.710%
15-Year Fixed5.875%APR 5.980%
5/1 ARM6.125%APR 6.850%
Jumbo 30-Year6.750%APR 6.820%
FHA 30-Year6.125%APR 6.950%
VA 30-Year6.125%APR 6.350%
* National benchmarks for informational purposes. Individual rates vary based on LTV, credit, and loan size.
Interactive Financing Tool
Mortgage Payment Calculator
Calculate your estimated monthly investment, principal breakdown, taxes, and insurance.
Est. Monthly Total$5,590/ month
$
$100,000$2,500,000$5,000,000+
$170,000
%
Monthly Payment Breakdown
Principal & Interest$4,354
Property Tax$885
Homeowners Insurance$200
HOA Dues$150
Loan Amount:$680,000
Total Interest Over 30 Yrs:$887,481
Mortgage Calculation FAQs
Common questions when estimating your monthly loan investment
How does down payment impact my monthly payment?
A higher down payment reduces the total principal borrowed, which lowers your monthly principal and interest. Putting down 20% or more can also eliminate Private Mortgage Insurance (PMI).
What is included in PITI?
PITI stands for Principal, Interest, Property Taxes, and Homeowners Insurance. Most lenders collect tax and insurance escrows monthly alongside your loan payment.