APR Mortgage Calculator
Calculate the true Annual Percentage Rate (APR) of a mortgage including origination fees, points, and closing costs.
Part of our Finance Calculators collection.
APR Mortgage Calculator
Free online calculator
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Each point = 1% of loan
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How to Use This Calculator
- 1
Enter all required values.
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See results instantly.
- 3
Adjust inputs to compare scenarios.
How This is Calculated
APR solves for the rate that equates the net loan (minus fees) to the present value of all payments.
Example Calculation
See live result
Inputs
Result
Enter values above
Results appear instantly as you enter values.
Frequently Asked Questions
How accurate is this calculator?
These are estimates. Actual figures depend on lender requirements, your credit score, and local conditions. Consult a mortgage professional for exact numbers.
Should I get pre-approved?
Yes — getting pre-approved before house hunting shows sellers you're serious and gives you a realistic budget.