A $375,000 fixed-rate mortgage at 4% APR paid over 10 years costs $3,796.69 per month. Over the life of the loan you would pay $80,603 in interest — 21% of the amount borrowed.
The 4% rate on this page is 1.79 points below this week's national average of 5.79% for a 15-year fixed mortgage (Freddie Mac PMMS, July 2, 2026).
| Period | Principal paid | Interest paid | Balance |
|---|
| Scenario | Monthly | Total interest |
|---|---|---|
| $375,000 at 4% (10yr) ← this page | $3,796.69 | $80,603 |
| $375,000 at 4.25% (10yr) | $3,841.41 | $85,969 |
| $375,000 at 4.5% (10yr) | $3,886.44 | $91,373 |
| $375,000 at 4.75% (10yr) | $3,931.79 | $96,815 |
| $375,000 at 5% (10yr) | $3,977.46 | $102,295 |
| $375,000 at 5.25% (10yr) | $4,023.44 | $107,813 |
| $375,000 at 5.5% (10yr) | $4,069.74 | $113,368 |
| $375,000 at 5.75% (10yr) | $4,116.35 | $118,961 |
| $375,000 at 6% (10yr) | $4,163.27 | $124,592 |
| $375,000 at 6.25% (10yr) | $4,210.50 | $130,260 |
| $375,000 at 6.5% (10yr) | $4,258.05 | $135,966 |
| $375,000 at 6.75% (10yr) | $4,305.90 | $141,709 |
| $375,000 at 7% (10yr) | $4,354.07 | $147,488 |
| $375,000 at 7.25% (10yr) | $4,402.54 | $153,305 |
| $375,000 at 7.5% (10yr) | $4,451.32 | $159,158 |
| $375,000 at 7.75% (10yr) | $4,500.40 | $165,048 |
| $375,000 at 8% (10yr) | $4,549.78 | $170,974 |
| $375,000 at 8.5% (10yr) | $4,649.46 | $182,936 |
| $375,000 at 9% (10yr) | $4,750.34 | $195,041 |