A $900,000 fixed-rate mortgage at 5% APR paid over 10 years costs $9,545.90 per month. Over the life of the loan you would pay $245,508 in interest — 27% of the amount borrowed.
The 5% rate on this page is 0.79 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 |
|---|---|---|
| $900,000 at 4% (10yr) | $9,112.06 | $193,447 |
| $900,000 at 4.25% (10yr) | $9,219.38 | $206,325 |
| $900,000 at 4.5% (10yr) | $9,327.46 | $219,295 |
| $900,000 at 4.75% (10yr) | $9,436.30 | $232,356 |
| $900,000 at 5% (10yr) ← this page | $9,545.90 | $245,508 |
| $900,000 at 5.25% (10yr) | $9,656.25 | $258,750 |
| $900,000 at 5.5% (10yr) | $9,767.37 | $272,084 |
| $900,000 at 5.75% (10yr) | $9,879.23 | $285,508 |
| $900,000 at 6% (10yr) | $9,991.85 | $299,021 |
| $900,000 at 6.25% (10yr) | $10,105.21 | $312,625 |
| $900,000 at 6.5% (10yr) | $10,219.32 | $326,318 |
| $900,000 at 6.75% (10yr) | $10,334.17 | $340,100 |
| $900,000 at 7% (10yr) | $10,449.76 | $353,972 |
| $900,000 at 7.25% (10yr) | $10,566.09 | $367,931 |
| $900,000 at 7.5% (10yr) | $10,683.16 | $381,979 |
| $900,000 at 7.75% (10yr) | $10,800.96 | $396,115 |
| $900,000 at 8% (10yr) | $10,919.48 | $410,338 |
| $900,000 at 8.5% (10yr) | $11,158.71 | $439,045 |
| $900,000 at 9% (10yr) | $11,400.82 | $468,098 |