New York Cities’ Cost-of-Living Stats
Overall Cost of Living	99.2
Groceries	98.2
Housing	96.3
Utilities	85.2
Transportation	106.4
Health Care	101.8
Miscellaneous Goods/Services	103.1

Oct

2025

Free Sacramento, CA Mortgage Loan Calculator

By Dana Paltao | Uncategorized | Comments Off

Sacramento, CA Mortgage Calculator

Q: How much is the average mortgage in Rochester?

The monthly mortgage payment for a median-priced home in Rochester is $1,540 according to the National Association of Realtors®. But as a mortgage calculator shows, an average payment can fluctuate based on several factors, including the price of the home, the prevailing interest rate, and the term length of the loan.

Q: How does my credit score affect my mortgage loan interest rate?

Your credit score has a significant effect on your mortgage interest rate. A higher credit score generally leads to a lower interest rate, reducing your monthly payments and the total interest paid over the life of the loan. Conversely, a lower credit score may result in a higher interest rate, making the loan more expensive.

Q: What are principal and interest on a mortgage loan?

Principal and interest are two key components of a mortgage payment. The principal is the amount you borrow to purchase the home, while the interest is the cost of borrowing that money. In the early years of your mortgage, a larger portion of your monthly payment goes toward interest, but over time, more of it pays down the principal.

Q: Should I choose a 30-year or 15-year mortgage term?

Consider your finances when choosing between a 30-year and 15-year mortgage. A 30-year mortgage offers lower payments but higher overall interest. A 15-year mortgage has higher payments but saves on interest and builds equity faster. Use a mortgage calculator to compare both options and make a decision based on your financial situation and goals.

By SoFi Editors | Updated October 1, 2025

A mortgage calculator is a powerful tool for anyone considering purchasing a home. It helps potential homebuyers understand the financial implications of their decision by estimating monthly payments and total costs. Type in your home price, down payment amount, and a couple other figures, and you’ll quickly get a picture of costs. Whether you’re a first-time homebuyer or a seasoned investor, a few quick calculations can provide the insights you need.

Key Points

• Use a mortgage calculator to estimate monthly mortgage payments and overall costs of a mortgage.

• Type in different numbers to understand the impact of different down payment, loan terms, and interest rates on monthly payments.

• Down payment assistance programs can significantly reduce upfront costs, making homeownership more accessible, especially for first-time homebuyers in Sacramento.

• A 30-year mortgage term typically offers lower monthly payments but results in more interest paid over the life of the loan compared to a shorter term.

• Property taxes are often paid as part of the monthly home loan payment.

Sacramento, CA Mortgage Calculator

Calculator Definitions

• Home price: The home price is the purchase price you have agreed to with the home seller. This figure may differ from the listing price and your initial offer.

• Down payment: The down payment is the amount you’ll pay upfront. Buyers typically put down from 3% to 20% of the purchase price, with the latter being the number you’ll need to hit to avoid paying for private mortgage insurance (PMI). A jumbo loan usually requires at least 10% down.

• Loan term: The loan term is the length of time you have to repay the home loan. A longer term offers lower monthly payments but results in more interest paid over the life of the loan.

• Interest rate: The interest rate is the cost of borrowing money, expressed as a percentage of the loan amount. Interest rates vary based on borrower qualifications, market trends, and the type of mortgage loan.

• Annual property tax: Property tax is levied by local governments on land and buildings and is expressed as a percentage of a property’s assessed value. In Sacramento county, the average effective property tax rate is 0.8%. To get the specific rate for your town, search by ZIP code.

• Total monthly payment: The total monthly payment includes the principal, interest, and property tax. Some lenders also include homeowners insurance. And you’ll pay PMI if your down payment is less than 20%.

• Homeowners association (HOA) fees: Homeowners association (HOA) fees may also be included.

• Total interest paid: The total interest paid is the amount of interest you will pay over the life of the home loan. This figure can be substantial. To minimize the total interest paid, consider strategies to lower your interest rate: Improve your credit score, negotiate with lenders, and explore different loan types.

How to Use the Sacramento, CA Mortgage Calculator

Step 1: Enter Your Home Price

Type in the agreed-upon purchase price of the property.

Step 2: Select a Down Payment Amount

Choose how much of the home price you will pay upfront. A down payment calculator can show you what’s needed to reach the 20% payment necessary to avoid PMI.

Step 3: Choose a Loan Term

Select the length of time to repay the mortgage, anywhere from 10 to 30 years. A longer term lowers monthly payments but increases total interest.

Step 4: Enter an Interest Rate

Input your estimated interest rate to the second or third decimal point. Lower rates reduce monthly payments and total interest paid.

Step 5: Add Your Annual Property Tax Rate

Enter the percentage of your property’s market value for annual property tax. For the specific percentage in your area, search online for the property’s town or ZIP code and “effective property tax rate.”

Benefits of Using a Mortgage Payment Calculator

A mortgage calculator is a powerful tool for estimating your monthly mortgage payments and understanding the financial commitment involved in homeownership. It helps you get a feel for what monthly payments would be like on your dream home based on its price, and also helps you determine the best mix of down payment amount and loan term for your needs. You can run different scenarios, changing the loan term or down payment amount, until you see your sweet spot. This can be especially helpful if you are buying your first home and haven’t been through the mortgage process before.

Deciding How Much House You Can Afford

Sacramento’s median sale price in mid-2025 was $485,000 — about $45,000 above the U.S. average, according to Redfin. Let’s use that home price to explore how you might decide whether you can afford a particular home based on its monthly payment amount as shown by the mortgage calculator. Lenders usually recommend that your monthly payment not exceed 28% of your gross income.

With a 20% down payment ($97,000), an interest rate of 7.00%, and a 30-year loan term, the monthly payment on the home loan, including property tax, would be $2,588. To afford this, you would need an annual income of around $115,000. This assumes you don’t have other significant debts.

If you want to use your annual income and debts to determine your ideal home price, try putting your numbers into a home affordability calculator for a rapid estimate. Or pull together your financial details and share them with a lender as part of the mortgage preapproval process. You’ll come away knowing if you would likely qualify for a loan and, if so, how much you might borrow.

Components of a Mortgage Payment

The main components of a mortgage payment are principal and interest. The principal is the amount you borrowed to purchase the home, while the interest is the cost of borrowing that money. Your monthly payment may also include property tax — after all, a lender will want to be sure the taxes are paid. Some monthly payments include HOA fees and homeowner’s insurance costs as well. And if you need to pay PMI, it will be included.

If you’re considering a home loan guaranteed by the Federal Housing Administration (FHA), use an FHA mortgage calculator, which takes into consideration both the loan’s upfront and ongoing mortgage insurance premiums. A VA mortgage calculator is your best bet if you’re looking at a loan backed by the U.S. Department of Veterans Affairs.

Current mortgage rates by state.

Compare current home interest rates by state and find a mortgage rate that suits your financial goals.

Select a state to view current rates:

Cost of Living in Sacramento, CA

Sacramento’s cost of living is about 30% higher than the national average, but it still ranks as one of the best affordable places in the U.S. for young adults because it is on the more affordable side for California. The state as a whole has a cost-of-living index that’s about 45% above average.

A young adult thinking of moving to Sacramento could look into the average monthly expenses for one person to get a feel for costs. In Sacramento, a living wage for two adults working full time and raising two children is $48.65 per hour, according to MIT’s Living Wage Institute. As you think about purchasing a home in Sacramento, online calculators can help you determine how your housing costs fit into your larger household budget.

Run the numbers on your home loan.

Mortgage calculator

Punch in your home loan amount and a new interest rate, and we’ll estimate your payoff date.

Calculate
Down payment calculator

Enter a few details about your home loan and we’ll provide your monthly mortgage payment.

Calculate
Home affordability calculator

Provide us with a few details and see how much you can afford to spend on a home purchase.

Calculate

Using the free calculators is for informational purposes only, does not constitute an offer to receive a loan, and will not solicit a loan offer. Any payments shown depend on the accuracy of the information provided.

Sacramento, CA First-Time Homebuyer Assistance Programs

If you’re buying your first home in Sacramento, there are several down payment assistance programs available to help you cover the initial costs. Some programs also provide a loan or grant to cover closing costs. To qualify, you typically must not have owned a primary residence within the past three years. The California Housing Finance Agency is the primary program provider, offering below-market-interest-rate loans and down payment help for eligible low- and middle-income buyers. Consult a guide to first-time home-buying programs in California for advice.

Recommended: The Cost of Living in the U.S.

Tips on Reducing Your Mortgage Payment

After you purchase a home in Sacramento, there are still ways to lower your monthly mortgage payment. Consider these options.

• Request that your lender drop PMI when you reach 20% equity. Remember that if your home value increases, you may reach 20% equity sooner than expected.

• Try a mortgage recast. This involves making a lump-sum payment toward the principal and asking the lender to recompute your payments according to the new, lower principal.

• If rates currently are lower than your initial mortgage, consider a full mortgage refinance.

• Property taxes are a significant part of your total monthly payment. If you believe your property tax is too high, you can have your property reassessed. Remember, though, that if you’ve made improvements this could backfire — you could wind up with a larger tax bill.

• If you face financial hardship, ask for a loan modification from your lender. One common modification is to extend the term of your loan.

• Shop around for a lower homeowners insurance rate. You can potentially lower your premium payments by opting for a higher deductible, bundling your homeowners and auto insurance policies together, or by making upgrades that significantly enhance your home’s security features or storm resistance capabilities.

The Takeaway

Using a mortgage calculator is an important step in the homebuying process. Put in just a few figures and it will quickly show you what your monthly payments might be. Play around with different down payment amounts and test different loan terms until you find a figure that works for you. A mortgage calculator will provide valuable insights to help you make informed financial decisions about financing your new home.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.

SoFi Mortgages: simple, smart, and so affordable.

View your rate

FAQ

How much is the average mortgage in Sacramento?

The median monthly mortgage payment in Sacramento County in the first quarter of 2025 was $3,278, according to the National Association of Realtors®. But as a mortgage calculator shows, an average payment can fluctuate based on several factors, including the price of the home, the prevailing interest rate, and the term length of the loan.

Should I choose a 30-year or 15-year mortgage term?

A 30-year term offers lower monthly payments, making homeownership more accessible. A 15-year term could save you thousands of dollars in interest but will require a higher monthly payment. If you can make a 15-year or 20-year term work with your budget, go for it. But particularly if this is your first home purchase, don’t feel bad about locking in 30 years. It is, after all, the most popular mortgage term in the U.S.

How can I get a lower mortgage interest rate?

To get a lower mortgage interest rate, start by improving your credit score, as lenders often offer better rates to borrowers with scores over 700. Shop around for different lenders to compare their interest rate offers. Prepaying mortgage points, which are upfront fees paid to the lender, can also lower your interest rate. Look carefully at adjustable-rate vs. fixed-rate loan offers to determine whether going with an adjustable rate might provide a lower introductory rate without too much risk of rates rising later on.

What income do you need for an $800,000 mortgage with a 6.50% interest rate?

You’ll need an income of around $240,000 to $300,000 to afford an $800,000 mortgage with a 6.50% interest rate. The exact amount will depend on whether you have any other debts besides the mortgage. When in doubt, a home affordability calculator is a good tool to use. Work backward from your income, factoring in your debts, to find a home price you can afford.

Learn more about mortgages:

SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.

SoFi Loan Products
SoFi loans are originated by SoFi Bank, N.A., NMLS #696891 (Member FDIC). For additional product-specific legal and licensing information, see SoFi.com/legal. Equal Housing Lender.

*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.

Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.

†Veterans, Service members, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms and conditions established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. VA loans typically require a one-time funding fee except as may be exempted by VA guidelines. The fee may be financed or paid at closing. The amount of the fee depends on the type of loan, the total amount of the loan, and, depending on loan type, prior use of VA eligibility and down payment amount. The VA funding fee is typically non-refundable. SoFi is not affiliated with any government agency.

Tax Information: This article provides general background information only and is not intended to serve as legal or tax advice or as a substitute for legal counsel. You should consult your own attorney and/or tax advisor if you have a question requiring legal or tax advice.
Checking Your Rates: To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

SOHL-Q325-123

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Oct

2025

Free Wyoming Home Mortgage Loan Calculator

By Dana Paltao | Uncategorized | Comments Off

Wyoming Mortgage Calculator

By SoFi Editors | Updated September 30, 2025

If you’re buying a home in Wyoming, you’ll need to juggle a lot of numbers — house prices, down payments, mortgage interest rates, loan terms, and more. The Wyoming mortgage calculator can help you handle the home-buying process and feel confident that you can determine the best option for you. Just enter a few basic facts about a mortgage, and this online tool will show you your monthly payment and overall interest cost. What’s more, it can help you compare different loans and see how raising your down payment or getting a lower interest rate, for example, could influence your costs. Let’s explore how this calculator works and what it can do for you.

Key Points

• The Wyoming mortgage calculator can help you estimate how much a mortgage will cost you on a monthly basis and over its entire lifespan.

• Lenders generally want borrowers to spend no more than 28% of their gross monthly income on mortgage payments.

• Down payments for conventional loans typically range from 3% to 20% of the home’s purchase price — 20% can help you avoid paying private mortgage insurance (PMI).

• Your loan term will impact your monthly payments and total interest costs, with a shorter term resulting in higher monthly payments but lower costs overall.

• Down payment assistance programs for first-time homebuyers can make homeownership more accessible.

Wyoming Mortgage Calculator

Calculator Definitions

• Home price: This is the purchase price you have agreed to with the home seller. It’s likely to differ from the listing price and from your first offer.

• Down payment: This is the amount you’ll pay upfront for your home, often expressed as a percentage of the total purchase price. Most buyers put down between 3% and 20% — a 20% down payment will typically allow you to avoid private mortgage insurance (PMI). Down payment assistance programs for first-time homebuyers may provide some financial help.

• Loan term: This is the length of time you’ll have to repay your home loan, usually 15 or 30 years. A 15-year loan term generally results in higher monthly payments but lower total interest paid than a 30-year term.

• Interest rate: This is the cost of borrowing money, expressed as a percentage of the loan amount. A lower interest rate can significantly reduce both your monthly payments and your total interest paid.

• Annual property tax: Property tax is levied by local governments on land and buildings and is typically expressed as a percentage of the assessed value. To find the local tax rate where you’re buying a home, search online for the town, county, or ZIP code where the property is located and “effective property tax rate.”

• Monthly payment: This is the amount you pay to your lender each month. The monthly payment shown by the Wyoming mortgage calculator includes what you would pay toward the principal and interest each month, with property tax added in if you input your tax rate. Other costs, such as homeowners insurance, PMI, and homeowners association (HOA) fees, might also be included in your payment in some cases.

• Total interest paid: This is the entire amount of interest that accumulates over the life of your home loan. It’s influenced by your loan term, interest rate, and down payment size.

• Total loan cost: This is the full amount you’ll pay on your loan, including both the principal (the amount you originally borrowed) and the total interest paid.

How to Use the Wyoming Mortgage Calculator

This mortgage calculator is free, won’t affect your credit score, and is easy to use. Here are step-by-step instructions.

Step 1: Enter Your Home Price

Input the purchase price that you and the seller agreed you would pay for the property.

Step 2: Select a Down Payment Amount

Choose the percentage of the home price that you plan to pay upfront. A down payment calculator can help you figure out what will work for you.

Step 3: Choose a Loan Term

Select the duration over which you will repay your mortgage, usually 15 or 30 years.

Step 4: Enter an Interest Rate

Input your expected interest rate to the second or third decimal point. If you’re looking at particularly expensive properties, it’s a good idea to check typical rates for a jumbo loan.

Step 5: Add Your Annual Property Tax

Enter the percentage of your home’s value that you will pay each year in property taxes. If your tax rate is 0.55%, for instance, you can enter 0.55.

Benefits of Using a Mortgage Payment Calculator

As you review your home-buying options, the Wyoming mortgage calculator can help you make informed decisions. With it, you can estimate what your monthly costs and total interest would be for a specific loan. What’s more, it lets you compare different mortgage terms and see quickly and easily how changing loan elements like your down payment, interest rate, loan term, and even home price impacts what your monthly and long-term costs would be. Whether you’re buying your first home or moving up from your starter home, a tool like this is indispensable for making savvy financial choices.

Note that the Wyoming mortgage calculator is intended for fixed-rate mortgages, if you choose a type of mortgage loan that comes with a variable interest rate, this tool can still estimate your costs. However, the results may be somewhat less precise due to the fluctuations inherent in a variable rate.

Recommended: The Cost of Living in the U.S.

Deciding How Much House You Can Afford

As of late 2025, the median sales price of a home in Wyoming is about $480,000. If you buy a home at this price, putting down 20% and taking out a 30-year mortgage at 7.00% interest for the rest, your monthly payment for principal and interest (but not other costs) would be approximately $2,555.

When assessing affordability, lenders typically want to see that your mortgage payment is no more than 28% of your gross monthly income and that your monthly debt payments are no more than 36%. In the scenario above, that would mean you’d need an annual income of at least $109,500. Note that that would allow you about $730 per month for other debts, which could include your property tax and homeowners insurance payments as well as car loan and school loan payments and credit card bills. If you have a high level of debt already, you’d likely need a higher income to afford a house at this price.

There are also other ways to determine a home’s affordability. You can use a home affordability calculator, which will let you input your individual property tax and homeowners insurance costs for a detailed estimate of what will work with your income level. If you go through the mortgage preapproval process with a potential lender, you can get a sense of how much you’ll be able to afford, too.

Components of a Mortgage Payment

The mortgage payment you’re billed for every month goes mainly to pay back principal (the amount you borrowed) and the interest that has accrued on your loan. In addition, your monthly payment might include your property tax, which the Wyoming mortgage calculator can factor in if you enter your tax rate. The payment might cover homeowners insurance, too, depending on the terms of your loan. If HOA fees or PMI payments are applicable, they could be added in as well.

What exactly your mortgage payment will include also depends on what type of mortgage loan you choose, and specialized calculators may be helpful here. If you’re considering an FHA loan — guaranteed by the Federal Housing Administration (FHA) — you can use an FHA mortgage calculator, which allows for the loan’s mortgage insurance premiums. And a VA mortgage calculator can factor in relevant fees if you’re exploring a loan backed by the U.S. Department of Veterans Affairs.

Current mortgage rates by state.

Compare current home interest rates by state and find a mortgage rate that suits your financial goals.

Select a state to view current rates:

Cost of Living in Wyoming

The cost of living in your state will not only impact your home price, but can also affect expenses like transportation, utilities, home maintenance, and other necessities. Wyoming’s cost of living is more than 6% below the national average, suggesting that it’s relatively affordable. Given that that rating is a state average, it’s smart to remember that the cost of living in different areas within Wyoming can vary.

The Council for Community and Economic Research’s Cost of Living Index (COLI) ranks the cost of living in major metropolitan areas in the U.S., according to a scale on which the national average is 100. On this scale, the state capital, Cheyenne, gets a 98.9, while nearby Laramie receives a 92.1. It’s worth noting that while the two cities differ, they’re both below the national average.

Run the numbers on your home loan.

Mortgage calculator

Punch in your home loan amount and a new interest rate, and we’ll estimate your payoff date.

Calculate
Down payment calculator

Enter a few details about your home loan and we’ll provide your monthly mortgage payment.

Calculate
Home affordability calculator

Provide us with a few details and see how much you can afford to spend on a home purchase.

Calculate

Tips on Reducing Your Mortgage Payment

As you assess the affordability of different home loans, you may wonder if there are any ways you can shave a little more off your monthly payments. Depending on your circumstances, these tips may help.

• Increase the size of your down payment. Paying more upfront may let you avoid having to pay PMI and can help you secure more favorable loan terms.

• Strengthen your credit score. A better score may qualify you for lower interest rates, which generally mean lower monthly payments and total interest paid.

• Shop around for better interest rates. Rates and terms can vary by lender, so it’s worth doing some research to find the best option for you.

• Look into down payment assistance programs for first-timers. If you haven’t owned a home in the past three years, you might qualify as a first-time homebuyer for one of these programs, which can provide help with your down payment and/or closing costs.

• Appeal a high property tax assessment. If your assessed house value seems too high, you can appeal to your tax authority.

• Pay less for homeowners insurance. Try raising your deductible, bundling policies for a discount, or checking around to see if other insurers provide better prices.

• Consider a mortgage refinance. If you have a mortgage already and a refi would lower your rate or extend your term, you could potentially decrease your monthly payments.

Recommended: Average Monthly Expenses for One Person

Wyoming First-Time Homebuyer Assistance Programs

For first-time homebuyers, there are programs that can make homeownership more achievable by reducing the upfront financial burden. To qualify as a first-time homebuyer, you must not have owned a primary residence within the past three years. Down payment assistance programs, which can provide financial aid for the down payment, closing costs, or both, can help make homeownership more accessible.

For first-time homebuyers in Nebraska, the Nebraska Investment Finance Authority offers programs, some of which cater to veterans.

The Takeaway

The Wyoming mortgage calculator is an essential tool for potential homebuyers. By estimating monthly payments — including principal, interest, and potentially taxes —and total costs for different loans, it offers you a comprehensive understanding of what to expect if you opt for one of them. Armed with this knowledge, you’ll be better equipped to find the mortgage that works best for you.

SoFi Mortgages: simple, smart, and so affordable.

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FAQ

How does my credit score affect my mortgage loan interest rate?

Lenders interpret your credit score as an indicator of your creditworthiness, so a higher credit score may lead to a lower interest rate, potentially saving you thousands of dollars over the life of the loan.

What are principal and interest on a mortgage loan?

For a mortgage loan, principal is the amount of money you borrow to purchase your home and interest is the cost of borrowing that principal. Principal is expressed as an amount of money, and interest is described as a percentage of that amount.

Should I choose a 30-year or 15-year mortgage term?

The loan term that will make the most sense for you depends on your finances and your preferences. A 30-year mortgage offers lower monthly payments but will cost you more over the life of the loan, while a 15-year mortgage has higher payments but costs less in total interest.

How can I get a lower mortgage interest rate?

To secure a lower mortgage rate, you can try improving your credit score, increasing your down payment amount, or shopping around for a lender who will offer you a more favorable rate. If you already have a mortgage, you might consider refinancing when rates drop.

Learn more about mortgages:

SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.

SOHL-Q325-122

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Oct

2025

Credit Card Debt Consolidation Loans

By CValmonte | Uncategorized | Comments Off

Credit card debt consolidation loans

Consolidate your credit card debt
with lower interest and save.

Low fixed rates

Ditch your high credit card interest and you could save big.
No fees required

No origination fees required, plus no prepayment or late fees.
One fixed payment

Consolidate multiple debts into one simple monthly payment.
$5K to $100K

Get funds as soon as the same day
you sign.^‡

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Checking your rate will not affect your credit score.

Real reviews from SoFi members who’ve
successfully paid off over $33B in credit card debt.

Ready to join them? Apply for a debt consolidation loan with SoFi.

The savings and experiences of members herein may not be representative of the experiences of all members.
Savings are not guaranteed and will vary based on your unique situation and other factors.

Real reviews from SoFi members who’ve
successfully paid off over $33B in credit card debt.

Ready to join them? Apply for a debt consolidation loan with SoFi.

The savings and experiences of members herein may not be representative of the experiences of all members.
Savings are not guaranteed and will vary, based on your unique situation and other factors.

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A SoFi credit card consolidation
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Stop juggling multiple bills. Manage one easy monthly payment.
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How does a credit card
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A personal loan for debt consolidation is a savvy way to potentially save thousands in interest by
refinancing high-rate credit cards and existing personal installment loan balances. You could have a clear
path to paying off debt, with one fixed monthly payment to budget around and flexible terms from 2 to 7
years. Plus, with Direct Pay, you have the option to receive an even lower fixed rate when you opt to have
SoFi pay off your lender(s) directly.

Why SoFi for credit card consolidation loans?

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Fast and easy application process

View your debt consolidation loan rate in minutes. Literally.

Flexible loan options

Choose payment terms that fit your needs. And your wallet.

Pay lenders directly

Choose Direct Pay and we’ll pay your lender up front so you don’t have to. Plus, you’ll receive a 0.25% rate discount.²

24/7 member support and financial guidance

Our team is here when you need us. Give us a call for a no-cost consultation at 855-456-7634.

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Many credit card holders opt to use a balance transfer to consolidate their debt, but this move often leaves people with the same problem they started with: high-interest credit card debt. With a debt consolidation loan, your low fixed rate won’t increase for the life of the loan–compared to just transferring your debt to another card.

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Example chart shows calculations based on a 5 year SoFi Personal Loan with a fixed rate of 14.90% APR, which is the rounded average median funded APR for SoFi Personal Loan borrowers who took out a loan with a 5 year term” from April 1 2023 – April 1 2024. Lowest rates are reserved for the most qualified borrowers. The ‘High-Interest Rate Credit-Card’ APR shown is the average credit card APR reported by Wallethub for Q1 2024 under their Good Credit category. The savings estimate also assumes that the borrower doesn’t take out any additional credit card debt during the same period. Both calculations assume 60 total monthly payments, no origination fee option selected and no pre-payment amounts.

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is right for you?

Whether you’re searching for debt relief loans or balance transfers for credit card debt, we’re here to
help. SoFi offers personal loan debt consolidation to help you take back control of your financial future.

³SOURCE: CreditKarma.com accessed on 1/29/24.

⁴SOURCE: Bankrate “What Is the Limit for a Balance Transfer Card?” accessed on 1/29/24.

Learn more about credit consolidation loans:

FAQs

Why would I consolidate credit card debt?
Credit card consolidation can save you money on interest if you’re able to qualify for a lower interest rate. This could help you get out of debt faster, as more of your money will go toward paying off your debt instead of toward interest payments.

What do you need to qualify for a debt consolidation loan?

Applying for a debt consolidation loan requires a firm understanding of your credit, the amount of debt you are carrying, and remaining payments.

Which types of debt can I consolidate?

Three types of debt are commonly consolidated: credit card debt, medical debt, and high-interest personal loan debt. You may reduce the overall cost of repayment by securing better terms and interest. You’ll also have a single payment to keep track of instead of several.

Does credit card consolidation hurt your credit score?

To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull.

What are the interest rates for SoFi credit card consolidation loans?

SoFi personal loans have fixed rates ranging from 8.74% APR to 35.49% APR. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors. The lowest rate reflects the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of and are subject to change without notice.

Is it hard to get a debt consolidation loan?

Obtaining a debt consolidation loan is easier than you might think. There are no fees to get prequalified, and the process can be completed online. Once you’ve chosen a loan, the application is straightforward. Sign the documents, and the funds could be in your account the very same day.

What is a Debt Consolidation Loan?

A debt consolidation loan is a type of personal loan that allows you to combine multiple debts into one loan with a single monthly payment. This can help simplify your finances and make it easier to manage your debt. Debt consolidation loans can be used to consolidate various types of debt, including credit card debt, personal loans, and other high-interest debt.

What happens to my existing credit card debt after I consolidate with SoFi?

Consolidating credit card debt does not cause you to lose your credit cards. It merely wipes out the debt on each card you include in the consolidation.

How do I make monthly payments for my SoFi credit card consolidation loan?

The easiest way to pay is to log in to the SoFi Android or iOS app, or log in to SoFi.com and make payments electronically via ACH, the same secure way most people get paid by their employers. Even better, setting up automatic payment by ACH earns you a 0.25% discount on your rate. You can also set up online bill pay to SoFi through your bank, or you can send in a paper check. Note that we do not currently accept payment via credit card.

Can I make additional payments on my SoFi loan to pay it off faster?

You are welcome to make a larger payment than your current amount due and can pay off your loan at any time via your sofi.com account. There are no prepayment penalties should you decide to make additional payments.

What happens if I have questions or need help with my SoFi credit card consolidation loan?

You can contact us via chat or call us at (855) 456-SOFI (7634), Monday–Thursday 5am–7pm PT, Friday–Sunday 5am–5pm PT.

What is Debt Settlement?

Debt settlement involves negotiating with creditors to reduce the total amount of debt owed. It is important to be cautious of potential scams and avoid companies that charge upfront fees. Debt settlement companies should be transparent about their fees and responsibilities. Unlike debt consolidation, which combines multiple debts into a single loan, debt settlement can negatively impact your credit score and carries significant risks. Individuals can also attempt to negotiate their own debts without a company. Understanding these differences can help you make an informed decision about your debt relief options.

What credit score do you need for a consolidation loan?

We do not have a minimum income requirement. Loan eligibility depends on a number of additional factors, such as a responsible financial history, credit score, your monthly income vs. expenses, and professional experience. Please review our Eligibility Criteria for further details.

What is the best type of loan to consolidate debt?

The best solution for consolidating your debt is a personal loan. It’s a versatile option that can help you pay off multiple debts with a lower interest rate than credit cards or other types of loans. This not only saves you money but also simplifies your debt management, making it easier to keep track of your finances.

Here are some of the benefits of using a personal loan to consolidate debt:

• You can secure a lower interest rate than what credit cards or other debts may be charging.
• Simplify your finances with a single monthly payment.
• You can pay off your debt more quickly.
• You can improve your credit score.

If you’re thinking about consolidating your debt, a personal loan is a solid choice. Compare rates from different lenders to snag the best deal for you.

See more FAQs

Get a personalized
credit consolidation loan quote in minutes.

Fast, easy, safe. Apply for a debt consolidation loan and view your rate with our secure online application.

View your rate

Checking won’t affect your credit score.^†

† To check the rates and terms you may qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status, be residing in the U.S., and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2023 was around $33K. Information current as of 2/21/24. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.

Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 12/17/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2023 was around $33K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.

Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.

⁵ Autopay: The SoFi 0.25%autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.

⁷ Direct Deposit Discount: To be eligible to potentially receive an additional (0.25%) interest rate reduction on your Personal Loan (your “Loan”), you must set up Direct Deposit with a SoFi Checking and Savings account offered by SoFi Bank, N.A., or enroll in SoFi Plus by paying the SoFi Plus Subscription Fee, all within 30 days of the funding of your Loan. Once eligible, you will receive this discount during periods in which you have enabled Direct Deposit to an eligible Direct Deposit Account in accordance with SoFi’s reasonable procedures and requirements to be determined at SoFi’s sole discretion, or during periods in which SoFi successfully receives payment of the SoFi Plus Subscription Fee. This discount will be lost during periods in which SoFi determines you have turned off Direct Deposit to your Checking and Savings account or in which you have not paid the SoFi Plus Subscription Fee. You are not required to enroll in Direct Deposit or to pay the SoFi Plus Subscription Fee to receive a Loan.

§ Awards or rankings are not indicative of future success or results. Neither SoFi Bank, N.A. nor its employees paid a fee in exchange for ratings. Awards and ratings are independently determined and awarded by their respective publications.

‡ Same-Day Personal Loan Funding: 83% of typical SoFi personal loan applications, excluding Direct Pay personal loans and personal loan refinance, from January 1, 2023–January 1, 2024 that were signed before 6pm ET on a business day were funded the same day.

^ Direct Pay: Terms and conditions apply. Offer good for personal loan customers with credit cards and personal loans in their name only and subject to lender approval. To receive the offer, you must: (1) register and/or apply through this landing page; (2) complete a loan application with SoFi within 90 days of your application submit date; (3) meet SoFi’s underwriting criteria; (4) apply 50% or more of your loan proceeds directly to your lenders/creditors. Once conditions are met and the loan has been disbursed, the interest rate shown in the Final Disclosure Statement will include an additional 0.25% rate discount. SoFi reserves the right to change or terminate the Direct Pay Rate Discount Program to unenrolled participants at any time with or without notice. It takes about 3 business days for your creditor/lender to receive payment after your loan is signed. You will be responsible for making all required payments to avoid credit card and other loan fees.

How long do I need to wait to reapply after my Personal Loan application has been declined?
You will need to wait at least 30 days before re-applying for a Personal Loan with the same borrower(s). You are welcome to retry at any time with a co-borrower, if the previous application was as a single borrower. If you initially applied with a co-borrower, you can retry as a single borrower or with a different co-borrower.

Oct

2025

Free Kansas City Mortgage Loan Calculator

By Dana Paltao | Uncategorized | Comments Off

Kansas City, MO Mortgage Calculator

By SoFi Editors | Updated October 3, 2025

When considering a home purchase in Kansas City, a mortgage calculator is a particularly useful tool. It will quickly help you estimate monthly payments, total interest, and the overall cost of the mortgage, providing a clear picture of your financial commitment. By inputting the home price, down payment amount, loan term, interest rate, and property tax rate, you can explore different scenarios on your path to a home loan. For example, you can find out how increasing or reducing your down payment might affect your monthly costs. Ready to get started? Learn how to use the calculator to maximum benefit now.

Key Points

• A Kansas City mortgage calculator is an essential tool for estimating monthly payments, total interest, and overall costs on a home loan.

• A down payment is a significant factor in determining your monthly mortgage payment and the total interest you’ll pay over the life of the loan.

• Down payment assistance programs are available to help first-time homebuyers.

• The loan term you choose significantly impacts your monthly payments and total interest paid over the life of the mortgage.

• This calculator takes property taxes into account, because they are often paid as part of a monthly mortgage payment.

Kansas City, MO Mortgage Calculator

Calculator Definitions

• Home price: The home price is the purchase price you have agreed to with the home seller, which may differ from the listing price or your initial offer.

• Down payment: The down payment is what you pay upfront, typically from 3% to 20% of the purchase price. Put down 20% and you likely won’t need to pay for private mortgage insurance (PMI). A jumbo loan may require 10% down. To see how much money you’ll need to hit 10% or 20%, use a down payment calculator.

• Loan term: The loan term is the length of time you have to repay the mortgage. A 15-year term offers lower interest rates and faster equity buildup, while a 30-year term provides more manageable monthly payments.

• Interest rate: The interest rate is the cost of borrowing money, expressed as a percentage of the home loan amount. Factors like your credit score, market conditions, and type of mortgage loan can influence the interest rate you qualify for.

• Annual property tax: Property taxes are typically expressed as a percentage of the home’s assessed value. In the Kansas City metro area, they are affected by whether your home is located in Missouri or Kansas. Search your county name or ZIP code and “effective property tax rate” to find your rate, or use the average rate for Jackson County, MO, where much of Kansas City is located: 1.15%.

• Total monthly payment: The total monthly payment typically includes the principal loan amount and the interest accrued.

• Total interest paid: The total interest paid represents the cumulative amount of interest you will pay over the entire duration of the loan.

• Total loan cost: The total loan cost is the all-in amount you will repay for the home loan, including both principal and interest.

How to Use the Kansas City, MO Mortgage Calculator

Step 1: Enter Your Home Price

Type in the purchase price of the property.

Step 2: Select a Down Payment Amount

Choose how much of the home price you will pay upfront.

Step 3: Choose a Loan Term

Select the length of time to repay the mortgage, anywhere from 10 to 30 years. A longer term lowers monthly payments but increases total interest.

Step 4: Enter an Interest Rate

Input your estimated interest rate to the second or third decimal point. Lower rates reduce monthly payments and total interest paid.

Step 5: Add Your Property Tax Rate

Enter the percentage of your property’s market value used for property tax. For the specific percentage in your area, search online for the property’s town or ZIP code and “effective property tax rate.”

Benefits of Using a Mortgage Payment Calculator

A mortgage calculator helps homebuyers estimate affordable house prices by calculating monthly payments based on loan amount, interest rate, loan term, and property taxes. Particularly if you are buying your first home, it can be helpful to run different scenarios through the calculator. What if you reduce your down payment and extend your loan term? Can you handle a shorter loan term if you find a somewhat lower-priced home? You can also quickly see the impact of different interest rates on your monthly costs.

Deciding How Much House You Can Afford

The main components of a home loan payment are principal and interest. The principal is the amount you borrowed, and the interest is the cost of borrowing that money. The home price, down payment amount, interest rate, and loan term all influence these components. A longer loan term results in higher total interest paid, while a shorter term can save you money on interest. But for many first-time buyers, a longer loan term is a huge help in ensuring they can make their monthly payments without scrimping in other areas of the budget.

Homebuyers who are exploring a home loan guaranteed by the Federal Housing Administration (FHA), try using an FHA mortgage calculator, which factors in both the loan’s upfront and ongoing mortgage insurance premiums.

A VA mortgage calculator will be useful if you’re looking at a loan backed by the U.S. Department of Veterans Affairs.

Components of a Mortgage Payment

A VA mortgage calculator will be useful if you’re looking at a loan backed by the U.S. Department of Veterans Affairs.

Current mortgage rates by state.

Compare current home interest rates by state and find a mortgage rate that suits your financial goals.

Select a state to view current rates:

Cost of Living in Kansas City, MO

Both Missouri and neighboring Kansas are two of the best affordable places in the U.S., with cost of living indexes that are significantly below the national average. The Kansas City metropolitan area includes both Kansas City, Missouri, and its close neighbor, Kansas City, Kansas. Here, the overall cost of living is 91.1% on a scale where 100% equals the cost of living in the U.S. as a whole, according to the Council for Community and Economic Research (C2ER). In Jackson County, one of the primary counties where Kansas City is located, a living wage for two adults working full time and raising two children is $40.34 per hour, according to MIT’s Living Wage Institute.

As you can see from C2ER’s breakdown of costs, housing is particularly affordable in Kansas City when compared to national averages.

Kansas City Metro Area Cost-of-Living Stats
Overall Cost of Living	91.1
Groceries	97.3
Housing	87.5
Utilities	105.8
Transportation	89.1
Health Care	84
Miscellaneous Goods/Services	89.2

Run the numbers on your home loan.

Mortgage calculator

Punch in your home loan amount and a new interest rate, and we’ll estimate your payoff date.

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Down payment calculator

Enter a few details about your home loan and we’ll provide your monthly mortgage payment.

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Home affordability calculator

Provide us with a few details and see how much you can afford to spend on a home purchase.

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Kansas City, MO First-Time Homebuyer Assistance Programs

If you’re considering buying your first home in Kansas City, down payment assistance programs are specifically designed to help new buyers cover the initial costs involved. To qualify for these programs, you typically must not have owned a primary residence within the past three years. Missouri first-time homebuyer programs are run primarily by the Missouri Housing Development Commission. But in the larger Kansas City area, it’s smart to search for your county and state name and “first-time homebuyer program” to make sure you have covered the bases. For eligible buyers, these programs can truly make homeownership more accessible.

Recommended: Average Monthly Expenses for One Person

Tips on Reducing Your Mortgage Payment

In a world where it feels like so much is riding on your mortgage interest rate, you may be surprised to learn that once you’ve purchased your home, there may still be a way to lower your monthly mortgage payment. Check out these options once you have settled in:

• As soon as you have 20% equity in your home, you can request removing private mortgage insurance (PMI) from your monthly payments. Remember that you may build equity via appreciation, so you might hit the 20% mark sooner than you would have expected based on your mortgage amortization.

• If you receive a bonus or other windfall, mortgage recasting can be a smart financial move. You’ll direct a lump-sum payment toward your mortgage principal and then ask your lender to recompute your payments.

• You can also consider a mortgage refinance if rates have dropped noticeably since you got your mortgage or if your credit score has improved significantly.

• If you believe your property tax assessment is too high, you can appeal. A successful appeal can lower your property tax bill, reducing your overall monthly mortgage payment. Use caution though: Sometimes asking for a reassessment can backfire and the assessment will increase.

• If financial hardship makes it difficult to manage mortgage payments, you can request that your lender modify your loan to make them doable.

• Consider shopping for a lower homeowners insurance rate. Or you can lower your current premiums by increasing your deductible, bundling home and auto insurance, or making upgrades that enhance your home’s security or storm resistance.

The Takeaway

Utilizing a mortgage calculator can provide valuable insights into the financial aspects associated with buying a home in Kansas City. A calculator can quickly estimate your prospective monthly payments and show the total interest paid over the loan’s life. Running different combinations of down payment amount and loan term through the calculator can swiftly show you how your mortgage decisions will affect your monthly budget, ensuring you are well-prepared and informed about the commitment you are undertaking.

SoFi Mortgages: simple, smart, and so affordable.

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FAQ

How much is the average mortgage in Kansas City?

The monthly mortgage payment for a median-priced home in Jackson County, Missouri (where much of Kansas City is located) is around $1,500, according to the National Association of Realtors®. But as a mortgage calculator shows, an average payment can fluctuate based on several factors, including the price of the home, the prevailing interest rate, and the term length of the loan.

Should I choose a 30-year or 15-year mortgage term?

Use a mortgage calculator to see how different mortgage term lengths affect your monthly costs, then choose the term that renders the monthly bill you can afford. You’ll want to make sure you aren’t compromising other areas of your finances to pay your mortgage. A 30-year term offers lower payments but higher overall interest. A 15-year term has higher payments but saves significantly on interest.

How can I get a lower mortgage interest rate?

To get a lower mortgage interest rate when initially applying for a mortgage, focus on improving your credit score, increasing your down payment, and shopping around for the best offers. A score of 700 or above can often lead to better rates. If you already have a mortgage and want to lower your rate, you will want to examine the pros and cons of a refinance, if current market rates are notably lower than when you made your home purchase, or if your credit score has improved significantly. If you explore a refinance, make sure you factor closing costs on the new loan into your list of pros and cons.

Can I afford a $500K house on a $100K salary?

Using a home affordability calculator shows that it’s unlikely that you could afford a $500,000 home on a $100,000 annual salary. A comfortable purchase budget for you would be in the neighborhood of $360,000. If you put down a 20% down payment on a $500,000 house, your monthly loan payment would be around $2,500 which would be a stretch on a $100,000 salary if you don’t have some other form of income.

Learn more about mortgages:

SoFi Mortgages
Terms, conditions, and state restrictions apply. Not all products are available in all states. See SoFi.com/eligibility-criteria for more information.

Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.

External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.

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Rochester, NY Mortgage Calculator

Rochester, NY Mortgage Calculator

Calculator Definitions

How to Use the Rochester, NY Mortgage Calculator

Step 1: Enter Your Home Price

Step 2: Select a Down Payment Amount

Step 3: Choose a Loan Term

Step 4: Enter an Interest Rate

Step 5: Add Your Annual Property Tax Rate

Benefits of Using a Mortgage Payment Calculator

Deciding How Much House You Can Afford

Current mortgage rates by state.

Components of a Mortgage Payment

Cost of Living in Rochester, NY

Rochester, NY First-Time Homebuyer Assistance Programs

Tips on Reducing Your Mortgage Payment

The Takeaway

FAQ

How much is the average mortgage in Rochester?

How does my credit score affect my mortgage loan interest rate?

What are principal and interest on a mortgage loan?

Should I choose a 30-year or 15-year mortgage term?

Get prequalified in minutes for a SoFi Home Loan.

Sacramento, CA Mortgage Calculator

Sacramento, CA Mortgage Calculator

Calculator Definitions

How to Use the Sacramento, CA Mortgage Calculator

Step 1: Enter Your Home Price

Step 2: Select a Down Payment Amount

Step 3: Choose a Loan Term

Step 4: Enter an Interest Rate

Step 5: Add Your Annual Property Tax Rate

Benefits of Using a Mortgage Payment Calculator

Deciding How Much House You Can Afford

Components of a Mortgage Payment

Current mortgage rates by state.

Cost of Living in Sacramento, CA

Sacramento, CA First-Time Homebuyer Assistance Programs

Tips on Reducing Your Mortgage Payment

The Takeaway

FAQ

How much is the average mortgage in Sacramento?

Should I choose a 30-year or 15-year mortgage term?

How can I get a lower mortgage interest rate?

What income do you need for an $800,000 mortgage with a 6.50% interest rate?

Get prequalified in minutes for a SoFi Home Loan.

Wyoming Mortgage Calculator

Wyoming Mortgage Calculator

Calculator Definitions

How to Use the Wyoming Mortgage Calculator

Step 1: Enter Your Home Price

Step 2: Select a Down Payment Amount

Step 3: Choose a Loan Term

Step 4: Enter an Interest Rate

Step 5: Add Your Annual Property Tax

Benefits of Using a Mortgage Payment Calculator

Deciding How Much House You Can Afford

Components of a Mortgage Payment

Current mortgage rates by state.

Cost of Living in Wyoming

Tips on Reducing Your Mortgage Payment

Wyoming First-Time Homebuyer Assistance Programs

The Takeaway

FAQ

How does my credit score affect my mortgage loan interest rate?

What are principal and interest on a mortgage loan?

Should I choose a 30-year or 15-year mortgage term?

How can I get a lower mortgage interest rate?

Get prequalified in minutes for a SoFi Home Loan.

Low fixed rates

No fees required

One fixed payment

$5K to $100K

Real reviews from SoFi members who’ve successfully paid off over $33B in credit card debt.

Real reviews from SoFi members who’ve successfully paid off over $33B in credit card debt.

A SoFi credit card consolidation loan could help lower monthly payments.

Lower interest rates

Simplified payments

Tips and news—
for your financial moves.

Real reviews from SoFi members who’ve
successfully paid off over $33B in credit card debt.

Real reviews from SoFi members who’ve
successfully paid off over $33B in credit card debt.

A SoFi credit card consolidation
loan could help lower monthly payments.

How does a credit card
consolidation loan work?

See how a SoFi debt consolidation personal loan
could save you money.

Which credit card consolidation option
is right for you?

Get a personalized
credit consolidation loan quote in minutes.