How much you could save?

 Find an interest rate and a loan amount to see how the savings adds up.
 
Interest
Rate
 
4.500%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$61
$1,824
$3,665
$92
$1,377
$1,825
 
 
$200,000
$122
$3,648
$7,330
$184
$2,754
$3,649
 
 
$300,000
$182
$5,472
$10,995
$275
$4,131
$5,474
 
 
$400,000
$243
$7,296
$14,660
$367
$5,508
$7,298
 
 
$500,000
$304
$9,120
$18,324
$459
$6,885
$9,123
 
 
$600,000
$365
$10,944
$21,989
$500
$7,500
$9,942
 
 
$700,000
$426
$12,768
$25,654
$500
$7,500
$9,948
 
 
$800,000
$486
$14,593
$29,319
$500
$7,500
$9,951
 
 
$900,000
$500
$15,000
$30,172
$500
$7,500
$9,954
 
 
Interest
Rate
 
4.750%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$63
$1,878
$3,942
$93
$1,400
$1,893
 
 
$200,000
$125
$3,756
$7,885
$187
$2,800
$3,786
 
 
$300,000
$188
$5,634
$11,827
$280
$4,200
$5,680
 
 
$400,000
$250
$7,512
$15,769
$373
$5,600
$7,573
 
 
$500,000
$313
$9,390
$19,711
$467
$7,000
$9,466
 
 
$600,000
$376
$11,268
$23,654
$500
$7,500
$10,147
 
 
$700,000
$438
$13,146
$27,596
$500
$7,500
$10,153
 
 
$800,000
$500
$15,000
$31,490
$500
$7,500
$10,157
 
 
$900,000
$500
$15,000
$31,542
$500
$7,500
$10,160
 
 
Interest
Rate
 
5.000%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$64
$1,933
$4,240
$95
$1,423
$1,964
 
 
$200,000
$129
$3,865
$8,481
$190
$2,847
$3,929
 
 
$300,000
$193
$5,798
$12,721
$285
$4,270
$5,893
 
 
$400,000
$258
$7,730
$16,961
$380
$5,694
$7,857
 
 
$500,000
$322
$9,663
$21,202
$474
$7,117
$9,822
 
 
$600,000
$387
$11,595
$25,442
$500
$7,500
$10,357
 
 
$700,000
$451
$13,528
$29,682
$500
$7,500
$10,364
 
 
$800,000
$500
$15,000
$32,927
$500
$7,500
$10,367
 
 
$900,000
$500
$15,000
$32,985
$500
$7,500
$10,371
 
 
Interest
Rate
 
5.250%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$66
$1,988
$4,560
$96
$1,447
$2,038
 
 
$200,000
$133
$3,976
$9,120
$193
$2,894
$4,076
 
 
$300,000
$199
$5,964
$13,680
$289
$4,341
$6,114
 
 
$400,000
$265
$7,952
$18,239
$386
$5,788
$8,152
 
 
$500,000
$331
$9,940
$22,799
$482
$7,235
$10,190
 
 
$600,000
$398
$11,928
$27,359
$500
$7,500
$10,572
 
 
$700,000
$464
$13,916
$31,919
$500
$7,500
$10,580
 
 
$800,000
$500
$15,000
$34,442
$500
$7,500
$10,583
 
 
$900,000
$500
$15,000
$34,507
$500
$7,500
$10,587
 
 
Interest
Rate
 
5.500%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$68
$2,044
$4,903
$98
$1,471
$2,115
 
 
$200,000
$136
$4,088
$9,806
$196
$2,942
$4,229
 
 
$300,000
$204
$6,132
$14,708
$294
$4,412
$6,344
 
 
$400,000
$273
$8,176
$19,611
$392
$5,883
$8,458
 
 
$500,000
$341
$10,220
$24,514
$490
$7,354
$10,573
 
 
$600,000
$409
$12,264
$29,417
$500
$7,500
$10,793
 
 
$700,000
$477
$14,308
$34,320
$500
$7,500
$10,801
 
 
$800,000
$500
$15,000
$36,039
$500
$7,500
$10,805
 
 
$900,000
$500
$15,000
$36,110
$500
$7,500
$10,809
 
 
Interest
Rate
 
5.750%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$70
$2,101
$5,271
$100
$1,495
$2,194
 
 
$200,000
$140
$4,202
$10,542
$199
$2,989
$4,388
 
 
$300,000
$210
$6,303
$15,813
$299
$4,484
$6,581
 
 
$400,000
$280
$8,403
$21,084
$399
$5,979
$8,775
 
 
$500,000
$350
$10,504
$26,355
$498
$7,474
$10,969
 
 
$600,000
$420
$12,605
$31,626
$500
$7,500
$11,019
 
 
$700,000
$490
$14,706
$36,897
$500
$7,500
$11,028
 
 
$800,000
$500
$15,000
$37,720
$500
$7,500
$11,032
 
 
$900,000
$500
$15,000
$37,799
$500
$7,500
$11,036
 
 
Interest
Rate
 
6.000%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$72
$2,158
$5,665
$101
$1,519
$2,276
 
 
$200,000
$144
$4,317
$11,330
$203
$3,038
$4,552
 
 
$300,000
$216
$6,475
$16,996
$304
$4,557
$6,828
 
 
$400,000
$288
$8,634
$22,661
$405
$6,076
$9,104
 
 
$500,000
$360
$10,792
$28,326
$500
$7,500
$11,239
 
 
$600,000
$432
$12,950
$33,991
$500
$7,500
$11,251
 
 
$700,000
$500
$15,000
$39,378
$500
$7,500
$11,261
 
 
$800,000
$500
$15,000
$39,492
$500
$7,500
$11,265
 
 
$900,000
$500
$15,000
$39,581
$500
$7,500
$11,269
 
 
Interest
Rate
 
6.250%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$74
$2,217
$6,088
$103
$1,543
$2,361
 
 
$200,000
$148
$4,433
$12,177
$206
$3,087
$4,722
 
 
$300,000
$222
$6,650
$18,265
$309
$4,630
$7,083
 
 
$400,000
$296
$8,866
$24,354
$412
$6,173
$9,445
 
 
$500,000
$369
$11,083
$30,442
$500
$7,500
$11,476
 
 
$600,000
$443
$13,299
$36,531
$500
$7,500
$11,489
 
 
$700,000
$500
$15,000
$41,235
$500
$7,500
$11,500
 
 
$800,000
$500
$15,000
$41,361
$500
$7,500
$11,504
 
 
$900,000
$500
$15,000
$41,459
$500
$7,500
$11,509
 
 
Interest
Rate
 
6.500%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$76
$2,275
$6,542
$105
$1,568
$2,449
 
 
$200,000
$152
$4,551
$13,083
$209
$3,136
$4,899
 
 
$300,000
$228
$6,826
$19,625
$314
$4,704
$7,348
 
 
$400,000
$303
$9,102
$26,166
$418
$6,272
$9,798
 
 
$500,000
$379
$11,377
$32,708
$500
$7,500
$11,719
 
 
$600,000
$455
$13,653
$39,249
$500
$7,500
$11,733
 
 
$700,000
$500
$15,000
$43,192
$500
$7,500
$11,745
 
 
$800,000
$500
$15,000
$43,331
$500
$7,500
$11,749
 
 
$900,000
$500
$15,000
$43,441
$500
$7,500
$11,754
 
 
Interest
Rate
 
6.750%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$78
$2,365
$7,027
$106
$1,593
$2,541
 
 
$200,000
$156
$4,730
$14,055
$212
$3,186
$5,082
 
 
$300,000
$233
$7,095
$21,082
$319
$4,779
$7,623
 
 
$400,000
$311
$9,460
$28,109
$425
$6,371
$10,164
 
 
$500,000
$389
$11,825
$35,1368
$500
$7,500
$11,968
 
 
$600,000
$467
$14,190
$42,164
$500
$7,500
$11,983
 
 
$700,000
$500
$15,000
$45,256
$500
$7,500
$11,996
 
 
$800,000
$500
$15,000
$45,410
$500
$7,500
$12,001
 
 
$900,000
$500
$15,000
$45,532
$500
$7,500
$12,006
 
 
Interest
Rate
 
7.000%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$80
$2,395
$7,547
$108
$1,618
$2,636
 
 
$200,000
$160
$4,790
$15,094
$216
$3,236
$5,272
 
 
$300,000
$240
$7,185
$22,642
$324
$4,854
$7,907
 
 
$400,000
$319
$9,580
$30,189
$431
$6,472
$10,543
 
 
$500,000
$399
$11,975
$37,736
$500
$7,500
$12,224
 
 
$600,000
$479
$14,371
$45,283
$500
$7,500
$12,240
 
 
$700,000
$500
$15,000
$47,429
$500
$7,500
$12,254
 
 
$800,000
$500
$15,000
$47,603
$500
$7,500
$12,259
 
 
$900,000
$500
$15,000
$47,739
$500
$7,500
$12,264
 
 
Interest
Rate
 
7.250%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$82
$2,456
$8,104
$110
$1,643
$2,734
 
 
$200,000
$164
$4,912
$16,208
$219
$3,286
$5,468
 
 
$300,000
$246
$7,368
$24,312
$329
$4,929
$8,202
 
 
$400,000
$327
$9,823
$32,417
$438
$6,573
$10,937
 
 
$500,000
$409
$12,279
$40,521
$500
$7,500
$12,487
 
 
$600,000
$491
$14,735
$48,625
$500
$7,500
$12,503
 
 
$700,000
$500
$15,000
$49,719
$500
$7,500
$12,518
 
 
$800,000
$500
$15,000
$49,912
$500
$7,500
$12,523
 
 
$900,000
$500
$15,000
$50,063
$500
$7,500
$12,529
 
 
Interest
Rate
 
7.500%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$84
$2,517
$8,616
$111
$1,669
$2,836
 
 
$200,000
$168
$5,034
$17,231
$222
$3,337
$5,671
 
 
$300,000
$252
$7,552
$25,847
$334
$5,006
$8,507
 
 
$400,000
$336
$10,069
$34,463
$445
$6,674
$11,343
 
 
$500,000
$420
$12,586
$43,079
$500
$7,500
$12,756
 
 
$600,000
$500
$15,000
$51,355
$500
$7,500
$12,773
 
 
$700,000
$500
$15,000
$52,135
$500
$7,500
$12,789
 
 
$800,000
$500
$15,000
$52,347
$500
$7,500
$12,795
 
 
$900,000
$500
$15,000
$52,514
$500
$7,500
$12,801
 
 
Interest
Rate
 
7.750%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$86
$2,579
$9,252
$113
$1,694
$2,941
 
 
$200,000
$172
$5,158
$18,503
$226
$3,389
$5,882
 
 
$300,000
$258
$7,737
$27,755
$339
$5,083
$8,823
 
 
$400,000
$344
$10,316
$37,006
$452
$6,777
$11,764
 
 
$500,000
$430
$12,895
$46,258
$500
$7,500
$13,032
 
 
$600,000
$500
$15,000
$53,872
$500
$7,500
$13,050
 
 
$700,000
$500
$15,000
$54,683
$500
$7,500
$13,067
 
 
$800,000
$500
$15,000
$54,916
$500
$7,500
$13,073
 
 
$900,000
$500
$15,000
$55,101
$500
$7,500
$13,079
 
 
Interest
Rate
 
8.000%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$88
$2,642
$9,931
$115
$1,720
$3,050
 
 
$200,000
$176
$5,283
$19,861
$229
$3,440
$6,100
 
 
$300,000
$264
$7,925
$29,792
$344
$5,161
$9,150
 
 
$400,000
$352
$10,566
$39,723
$459
$6,881
$12,200
 
 
$500,000
$440
$13,208
$49,654
$500
$7,500
$13,315
 
 
$600,000
$500
$15,000
$56,525
$500
$7,500
$13,334
 
 
$700,000
$500
$15,000
$57,367
$500
$7,500
$13,353
 
 
$800,000
$500
$15,000
$57,628
$500
$7,500
$13,359
 
 
$900,000
$500
$15,000
$57,832
$500
$7,500
$13,365
 
 
Interest
Rate
 
8.250%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$90
$2,705
$10,657
$116
$1,746
$3,163
 
 
$200,000
$180
$5,409
$21,315
$233
$3,493
$6,326
 
 
$300,000
$270
$8,114
$31,972
$349
$5,239
$9,489
 
 
$400,000
$361
$10,818
$42,629
$466
$6,985
$12,651
 
 
$500,000
$451
$13,523
$53,287
$500
$7,500
$13,606
 
 
$600,000
$500
$15,000
$59,319
$500
$7,500
$13,625
 
 
$700,000
$500
$15,000
$60,195
$500
$7,500
$13,645
 
 
$800,000
$500
$15,000
$60,487
$500
$7,500
$13,652
 
 
$900,000
$500
$15,000
$60,716
$500
$7,500
$13,659
 
 
Interest
Rate
 
8.500%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$92
$2,768
$11,433
$118
$1,773
$3,280
 
 
$200,000
$185
$5,536
$22,867
$236
$3,545
$6,560
 
 
$300,000
$277
$8,304
$34,300
$355
$5,318
$9,840
 
 
$400,000
$369
$11,072
$45,734
$473
$7,090
$13,119
 
 
$500,000
$461
$13,840
$57,167
$500
$7,500
$13,904
 
 
$600,000
$500
$15,000
$62,261
$500
$7,500
$13,924
 
 
$700,000
$500
$15,000
$63,178
$500
$7,500
$13,945
 
 
$800,000
$500
$15,000
$63,497
$500
$7,500
$13,953
 
 
$900,000
$500
$15,000
$63,750
$500
$7,500
$13,960
 
 
Interest
Rate
 
8.750%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$94
$2,832
$12,262
$120
$1,799
$3,401
 
 
$200,000
$189
$5,664
$24,523
$240
$3,598
$6,802
 
 
$300,000
$283
$8,496
$36,785
$360
$5,397
$10,203
 
 
$400,000
$378
$11,328
$49,047
$480
$7,196
$13,604
 
 
$500,000
$472
$14,161
$61,308
$500
$7,500
$14,209
 
 
$600,000
$500
$15,000
$65,363
$500
$7,500
$14,231
 
 
$700,000
$500
$15,000
$66,327
$500
$7,500
$14,253
 
 
$800,000
$500
$15,000
$66,675
$500
$7,500
$14,262
 
 
$900,000
$500
$15,000
$66,954
$500
$7,500
$14,269
 
 
Interest
Rate
 
9.000%
 
30 year term
 
15 year term
 
Loan Amount
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
Annual
Cash Back
Total Savings
Cash Back
Total Savings with
Principal Paydown
 
 
$100,000
$97
$2,897
$13,146
$122
$1,826
$3,527
 
 
$200,000
$193
$5,793
$26,292
$243
$3,651
$7,054
 
 
$300,000
$290
$8,690
$39,438
$365
$5,477
$10,580
 
 
$400,000
$386
$11,587
$52,584
$487
$7,303
$14,107
 
 
$500,000
$483
$14,483
$65,730
$500
$7,500
$14,523
 
 
$600,000
$500
$15,000
$68,628
$500
$7,500
$14,546
 
 
$700,000
$500
$15,000
$69,134
$500
$7,500
$14,568
 
 
$800,000
$500
$15,000
$70,030
$500
$7,500
$14,579
 
 
$900,000
$500
$15,000
$70,336
$500
$7,500
$14,586