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Mortgage Calculator
Mortgage interest rates can vary based on your circumstances. Use our mortgage rate calculator to get customized rates and monthly mortgage payments.
How much of a mortgage can I qualify for?
Explore how much you may be able to borrow with our affordability calculator.
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Common homebuying questions
What is the minimum down payment for conventional, FHA, and VA loans?
Wells Fargo offers several low down payment options, including conventional loans (those not backed by a government agency).
- Conventional fixed-rate loans are available with a down payment as low as 3%.
- Keep in mind that with a low down payment mortgage insurance will be required, which increases the cost of the loan and will increase your monthly payment. We'll explain the options available, so you can choose what works for you.
- Talk with a home mortgage consultant about loan amount, loan type, property type, income, first-time homebuyer, and homebuyer education requirements to ensure eligibility.
- FHA loans are available with as little as 3.5% down.
- FHA loans have the benefit of a low down payment, but you'll want to consider all costs involved, including up-front and long-term mortgage insurance and all fees. Be certain to ask your home mortgage consultant to help you compare the overall costs of all your home financing options.
- VA loans offer low- and no-down-payment options for eligible veterans and other eligible borrowers.
How are interest rates determined?
Interest rates are influenced by the financial markets and can change daily – or multiple times within the same day. The changes are based on many different economic indicators in the financial markets. View our current interest rates.
If I’ve already been preapproved for a mortgage loan by Wells Fargo, how long does it typically take to close?
The number of days from application to approval will vary for purchase and refinance home loans. The timeline is generally 30-90 days.
What's an interest rate lock?
Mortgage interest rates may change many times every day. Choosing when to lock your interest rate is an important part of the home financing process. Learn more about interest rate lock options.
