Use this 25-year mortgage calculator to estimate your monthly principal and interest payment using your home price, down payment, and interest rate. Compare different borrowing scenarios to understand how a 25-year repayment term could affect your monthly budget and total mortgage interest.
How a 25-Year Mortgage Works
A 25-year mortgage is repaid over 300 monthly payments. It offers a longer repayment period than a 15- or 20-year mortgage, which generally lowers the monthly payment for the same loan amount and interest rate. However, extending repayment usually means paying more total interest over the life of the loan.
Understand Your Mortgage Results
- Monthly payment: Your estimated monthly principal and interest payment.
- Principal paid: The amount that reduces your loan balance during the selected year.
- Interest paid: The interest charged during that year.
- Remaining balance: The estimated amount still owed at the end of that year.
Choose a year in the amortization breakdown to review your estimated principal paid, interest paid, and remaining balance.
How Your Inputs Affect Payments
Home price and down payment: Your down payment reduces the amount you borrow. Use our down payment calculator to compare different upfront payment amounts.
Interest rate: Your mortgage rate influences both your monthly payment and total borrowing costs. Learn how mortgage rates work before comparing lender offers.
Loan term: A 25-year mortgage can offer a balance between monthly affordability and repayment speed. Compare a 20-year mortgage with a 30-year mortgage to see how different terms affect your estimated payment.
What This Mortgage Estimate Includes
This calculator estimates principal and interest only. It does not include property taxes, homeowners insurance, private mortgage insurance (PMI), homeowners association fees, or closing costs. Your actual monthly housing expenses may therefore be higher than the calculated payment.
Use your results to compare mortgage scenarios and decide whether the estimated payment fits your budget. Consider both monthly affordability and the total cost of borrowing before choosing a mortgage term.
Frequently asked questions
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Disclaimer
MortgageRatesChecker provides educational mortgage calculators, loan tools, and financial guides designed to help you better understand home financing. Our content is researched, fact-checked, and regularly updated in accordance with our Editorial Policy, using trusted information from our Data Sources and transparent methodologies explained in How We Calculate. Learn more about our commitment to accuracy on Why Trust Us. This content is provided for informational purposes only and should not be considered financial, legal, tax, investment, or mortgage advice. Mortgage rates, lending requirements, loan programs, and regulations may change without notice. Before making any borrowing, refinancing, or home-buying decision, consult your Bank or Mortgage Lender, licensed financial advisor, tax professional, or attorney based on your individual circumstances. MortgageRatesChecker is an independent educational resource and is not a lender, mortgage broker, financial advisor, or government agency. Please review our Affiliate Disclosure, Advertiser Disclosure, Disclaimer, and Terms & Conditions for additional information.
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