Compare adjustable-rate and fixed-rate mortgage payments
Fixed Rate Mortgage
Adjustable Rate Mortgage (ARM)
Comparison Results
Fixed Rate Initial Payment
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ARM Initial Payment (Years 1-5)
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Monthly Savings (Initial Period)
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ARM Max Payment (at rate cap)
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Potential Payment Increase
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Fixed Rate Total Interest (30 years)
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ARM Est. Total Interest (30 years)
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Difference
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Note: ARM calculations assume rates adjust annually after the initial fixed period and increase by the expected adjustment amount until reaching the rate cap. Actual rates may vary based on market conditions and the specific index your ARM is tied to. This calculator is for comparison purposes only and does not guarantee future interest rates or payments.