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For Sale by Owner Center > Tools > 5 / 25 Adjustable Rate Mortgage Calculator

5 / 25 Adjustable Rate Mortgage Calculator

5 / 25 Adjustable Rate Mortgage Calculator* - Calculate the monthly payments for a 5 / 25 ARM loan and view how much the first loan adjustments will be. A 5 / 25 ARM has fixed mortgage payments for first 5 years of the loan, then becomes an adjustable rate mortgage. If you have pick-a-payment adjustable rate mortgage, use our "Pay-Option ARM loan calculator". This adjustable rate mortgage calculator displays worst case scenario as principal pay-down is not calculated. All loan options assume a 6% lifetime interest rate cap.   

Step 1: Enter Loan Amount
Step 2: Enter Your ARM Loan Start Rate & Amortization Type
Step 3: Click "Calculate Adjustable Rate Mortgage Loan"

Loan Amount  
Starting Interest Rate
Max. Adjustments
5 / 25 Adjustable Rate Mortgage Calculator Results
Max. Adjustments Monthly Payment Monthly Difference Increase as a Percentage  Mortgage Rate Loan Amortization
Initial 60 Months % % Mths
First Adjustment % % Mths
Second Adjustment % % Mths
Third Adjustment % % Mths
Fourth Adjustment % % Mths
Fifth Adjustment % % Mths
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5 / 25 ARM Loan Adjustment Summary
This mortgage calculator assumes a worst case scenario for a 5 / 25 adjustable rate mortgage. For this worst case scenario to take place, your loan's "Index" will need to increase by at least Label % at each one of the Label month adjustments. Here is the definitions of each field:

Monthly Payment: Based on a loan amount of Label and an start rate of Label%  your monthly payments would be Label. This field indicates the new maximum monthly payment after each interest rate adjustment and represents your worst case scenario. These payments do not include property taxes, homeowners insurance or PMI (private mortgage insurance) if applicable. 

Monthly Difference: This displays the difference in monthly payments from the initial starting monthly payments of Label and the worst case scenario payment of Label at the first payment adjustment and the four following adjustments. Based on the information you provided, in Label months your montly payment would increase by a maximum of  Label per month.

% Increase: This indicates the increase in monthly  payments as a percentage amount over the inititial starting monthly payments. In this scenario, assuming a worst case, your payments would increase by Label % over your intitial monthly payments of Label.

Mortgage Rate: Your initial mortgage start rate is Label %. Based on your selections, the maximum interest rate at the time of the first loan adjustment in Label months would be Label %. Typically most 5 / 25 adjustable rate mortgages have a maximum 6% life time cap for the mortgage which would be Label %. 

Loan Amortization: This indicates the amortization schedule of your 5 / 25 adjustable rate mortgage. You are beginning with a 30 year mortgage. At your first payment adjustment in 24 months, your mortgage payment is based on a Label years fully amortized loan wtih an interest rate of Label%. At your second adjustment, your loan is calculated on a on Label year full amortized loan at the new higher mortgage rate. At each loan adjustment, your amortization schedule gets progressively shorter, thereby increasing the monthly payments.

View our other mortgage calculators  such as the 2 / 28 Adjustable Rate Mortgage Calculator, 3 / 27 Adjustable Rate Mortgage Calculator, 5 / 25 Adjustable Rate Mortgage Calculator, 7 / 23 Adjustable Rate Mortgage Calculator
Adjustable Rate Mortgage Calculator Disclosure* - The information provided on or through this site is for purposes of general consumer education only and is not intended as a substitute for advice from a qualified professional, such as, but not limited to, a lawyer, mortgage broker, accountant, investment advisor, insurance broker, financial planner, real estate agent or home inspector. We can not and do not guarantee the accuracy or the applicability of this information to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance and real estate issues.

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