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Conventional6.625%
Updated 2026-06-0330-year fixed planning example for a primary residence purchase. Scenario may vary by credit score, loan amount, down payment, occupancy, property type, points, market conditions, and borrower profile.
SimpleOS Planning Rates
Explore rates, payments, and rate movement.
View posted planning rates, adjust your loan scenario, and understand how rate movement affects the estimated monthly payment before moving into cash-to-close planning.
These rates and payments are for educational planning purposes only. They are not a Loan Estimate, rate lock, approval, pre-approval, commitment to lend, or guarantee of financing. Actual rates, payments, fees, and terms depend on credit, loan amount, occupancy, property type, points, market conditions, underwriting, and other factors.
Estimated total monthly payment$3,300Conventional · 6.625% · $427,500 loan amount
Current Planning Rates
Posted mortgage planning rates
These planning rates are for educational planning only. Actual rates and payments may vary based on your full loan profile and market conditions.
FHA6.125%
Updated 2026-06-0330-year FHA planning example before mortgage insurance. Scenario may vary by credit score, loan amount, down payment, occupancy, property type, points, market conditions, and borrower profile.
VA6%
Updated 2026-06-0330-year VA planning example for eligible borrowers before any applicable funding fee. Scenario may vary by entitlement, loan amount, occupancy, points, market conditions, and borrower profile.
USDA6.25%
Updated 2026-06-0330-year USDA planning example for eligible properties and borrowers before guarantee fees. Scenario may vary by property eligibility, income limits, loan amount, points, market conditions, and borrower profile.
Non-QM8.25%
Updated 2026-06-0330-year Non-QM planning example. Scenario may vary materially by credit profile, documentation type, loan amount, down payment, occupancy, property type, points, market conditions, and investor guidelines.
Payment Planning Workspace
Review your scenario
Loan amount$427,500Purchase price minus down payment
Current selected rate6.625%Posted Conventional planning rate: 6.625%
Payment difference vs posted rate: +$0/month
We added planning defaults so your estimate is not missing taxes or insurance. Edit these if you know the actual numbers.
Payment Output
$3,300
- Principal & Interest
- $2,737
- Estimated Taxes
- $413
- Estimated Insurance
- $150
- HOA
- $0
- Estimated Mortgage Insurance
- $0
- Estimated loan amount
- $427,500
- Selected rate
- 6.625%
- Down payment
- 5% / $22,500