USA Tool
Mortgage Calculator
Compare USA mortgage rates across 10 banks. SOFR-linked floating, 3/5-year fixed, DTI 55% stress test at 4%, LTV caps 75/45/35% by property count.
$2,000,000
$500,000 · 25.0%
6.38%
Max LTV: 95%
Used for DTI 43% check at 4% stress rate
DTI at 66.8% exceeds the CFPB 43% cap (stressed at 4%). Reduce loan, lengthen term, or prove higher income.
Monthly Payment
$10,016
Loan Amount
$1,500,000
75.0% LTV
Deposit
$500,000
25.0% of price
Total Interest
$1,504,776
Total Paid
$3,004,776
Effective Rate
6.38%
DTI Ratio
66.8%
Cap 43%
LTV Status
OK
Cap 95%
Rate Stress Test
If SOFR rises, your USD payment changes like this:
6.38%
$10,016
+1pp (7.38%)
$10,968
+$952/mo
+2pp (8.38%)
$11,957
+$1,941/mo
+3pp (9.38%)
$12,981
+$2,965/mo
Amortisation Schedule
Principal vs interest over the life of your mortgage.
Bank Comparison — 30-Year Fixed
Monthly payments across 10 USA banks for your $1,500,000 loan over 25 years.
| Bank | Rate | Monthly | Total Interest | Total Paid |
|---|---|---|---|---|
| ChaseBest | 6.38% | $10,016 | $1,504,776 | $3,004,776 |
| United Wholesale (UWM) | 6.40% | $10,035 | $1,510,373 | $3,010,373 |
| Bank of America | 6.42% | $10,053 | $1,515,976 | $3,015,976 |
| Wells Fargo | 6.45% | $10,081 | $1,524,388 | $3,024,388 |
| PNC Bank | 6.46% | $10,091 | $1,527,194 | $3,027,194 |
| US Bank | 6.48% | $10,109 | $1,532,811 | $3,032,811 |
| Citi | 6.50% | $10,128 | $1,538,432 | $3,038,432 |
| loanDepot | 6.52% | $10,147 | $1,544,058 | $3,044,058 |
| Rocket Mortgage | 6.55% | $10,175 | $1,552,507 | $3,052,507 |
| HSBC | 6.55% | $10,175 | $1,552,507 | $3,052,507 |
USA Mortgage Notes
- • Rates shown are indicative Q1 2026 benchmarks. SOFR assumed at 6.42%.
- • CFPB LTV caps: 75% for 1st property, 45% for 2nd, 35% for 3rd or more.
- • DTI (Total Debt Servicing Ratio) cap is 43% of gross monthly income, stressed at 4%.
- • Additional costs: mortgage closing costs ~0.2% of loan, legal fees $2.5k-5k, valuation $500-1.5k.
- • Buyer status (primary) doesn't change LTV but drives Transfer Tax — use the Transfer Tax calculator next.