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Blended Rate Mortgage Calculator

Enter your loans

Your loans

Enter each loan secured by the home: first mortgage, second mortgage, home equity loan or HELOC. Rows with no balance are ignored.

More options

Compare your loans with replacing them all with one new loan, such as a cash-out refinance.

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Added to the new loan's cost, not to its balance.

Your blended rate

Blended rate

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Effective rate over the remaining terms

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Total balance

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Combined monthly payment

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Versus one new loan

Your loansNew loan

Set the new loan's rate and term under More options.

Each loan's share

The blended rate is each loan's rate weighted by its share of the total balance.

LoanBalanceShareRateWeighted rateMonthly paymentInterest left

Results are estimates for educational purposes and are not financial, tax or legal advice.

Combine a first mortgage with a second mortgage, home equity loan or HELOC and see the single interest rate they work out to, plus your combined payment and remaining interest. Pair this with the amortization calculator for a fuller picture before you make a decision.