Use the calculator below to calculate your monthly home equity payment for the line of credit from Advantis CU. You can adjust loan amount, interest rate, and the home equity term to view the impact on the monthly payment amount. The calculator also provides an amortization table to show the amount of principal and interest payments a borrower will make over the life of the line of credit.
Product Total Termlength: 20 Years
Interest Rate: 8.65%
Rate change (per year): 0.1%
Date | Principal Balance? | Monthly Payment? | Interest? | Monthly Amortization? |
---|---|---|---|---|
03/28/2024 | $320,000.00 | $2,839.95 | $2,333.33 | $506.61 |
04/28/2024 | $319,493.39 | $2,839.95 | $2,333.33 | $506.61 |
05/28/2024 | $318,983.08 | $2,839.95 | $2,329.64 | $510.31 |
06/28/2024 | $318,469.05 | $2,839.95 | $2,325.92 | $514.03 |
07/28/2024 | $317,951.28 | $2,839.95 | $2,322.17 | $517.78 |
08/28/2024 | $317,429.73 | $2,839.95 | $2,318.39 | $521.55 |
09/28/2024 | $316,904.38 | $2,839.95 | $2,314.59 | $525.35 |
10/28/2024 | $316,375.19 | $2,839.95 | $2,310.76 | $529.18 |
11/28/2024 | $315,842.15 | $2,839.95 | $2,306.90 | $533.04 |
12/28/2024 | $315,305.22 | $2,839.95 | $2,303.02 | $536.93 |
01/28/2025 | $314,764.37 | $2,839.95 | $2,299.10 | $540.84 |
02/28/2025 | $314,219.59 | $2,839.95 | $2,295.16 | $544.79 |
03/28/2025 | $313,664.55 | $2,872.40 | $2,317.37 | $555.03 |
04/28/2025 | $313,105.43 | $2,872.40 | $2,313.28 | $559.13 |
05/28/2025 | $312,542.18 | $2,872.40 | $2,309.15 | $563.25 |
06/28/2025 | $311,974.77 | $2,872.40 | $2,305.00 | $567.40 |
07/28/2025 | $311,403.19 | $2,872.40 | $2,300.81 | $571.59 |
08/28/2025 | $310,827.38 | $2,872.40 | $2,296.60 | $575.80 |
09/28/2025 | $310,247.33 | $2,872.40 | $2,292.35 | $580.05 |
10/28/2025 | $309,663.01 | $2,872.40 | $2,288.07 | $584.33 |
11/28/2025 | $309,074.37 | $2,872.40 | $2,283.76 | $588.64 |
12/28/2025 | $308,481.39 | $2,872.40 | $2,279.42 | $592.98 |
01/28/2026 | $307,884.04 | $2,872.40 | $2,275.05 | $597.35 |
02/28/2026 | $307,282.28 | $2,872.40 | $2,270.64 | $601.76 |
03/28/2026 | $306,669.24 | $2,904.86 | $2,291.81 | $613.04 |
04/28/2026 | $306,051.62 | $2,904.86 | $2,287.24 | $617.62 |
05/28/2026 | $305,429.40 | $2,904.86 | $2,282.63 | $622.22 |
06/28/2026 | $304,802.53 | $2,904.86 | $2,277.99 | $626.86 |
07/28/2026 | $304,170.99 | $2,904.86 | $2,273.32 | $631.54 |
08/28/2026 | $303,534.74 | $2,904.86 | $2,268.61 | $636.25 |
09/28/2026 | $302,893.75 | $2,904.86 | $2,263.86 | $641.00 |
10/28/2026 | $302,247.97 | $2,904.86 | $2,259.08 | $645.78 |
11/28/2026 | $301,597.38 | $2,904.86 | $2,254.27 | $650.59 |
12/28/2026 | $300,941.93 | $2,904.86 | $2,249.41 | $655.44 |
01/28/2027 | $300,281.60 | $2,904.86 | $2,244.53 | $660.33 |
02/28/2027 | $299,616.34 | $2,904.86 | $2,239.60 | $665.26 |
03/28/2027 | $298,938.63 | $2,937.31 | $2,259.61 | $677.71 |
04/28/2027 | $298,255.82 | $2,937.31 | $2,254.50 | $682.82 |
05/28/2027 | $297,567.85 | $2,937.31 | $2,249.35 | $687.97 |
06/28/2027 | $296,874.69 | $2,937.31 | $2,244.16 | $693.16 |
07/28/2027 | $296,176.30 | $2,937.31 | $2,238.93 | $698.38 |
08/28/2027 | $295,472.65 | $2,937.31 | $2,233.66 | $703.65 |
09/28/2027 | $294,763.69 | $2,937.31 | $2,228.36 | $708.96 |
10/28/2027 | $294,049.39 | $2,937.31 | $2,223.01 | $714.31 |
11/28/2027 | $293,329.70 | $2,937.31 | $2,217.62 | $719.69 |
12/28/2027 | $292,604.58 | $2,937.31 | $2,212.19 | $725.12 |
01/28/2028 | $291,873.99 | $2,937.31 | $2,206.73 | $730.59 |
02/28/2028 | $291,137.89 | $2,937.31 | $2,201.22 | $736.10 |
03/28/2028 | $290,388.04 | $2,969.77 | $2,219.93 | $749.85 |
04/28/2028 | $289,632.48 | $2,969.77 | $2,214.21 | $755.56 |
05/28/2028 | $288,871.16 | $2,969.77 | $2,208.45 | $761.32 |
06/28/2028 | $288,104.03 | $2,969.77 | $2,202.64 | $767.13 |
07/28/2028 | $287,331.05 | $2,969.77 | $2,196.79 | $772.98 |
08/28/2028 | $286,552.18 | $2,969.77 | $2,190.90 | $778.87 |
09/28/2028 | $285,767.37 | $2,969.77 | $2,184.96 | $784.81 |
10/28/2028 | $284,976.57 | $2,969.77 | $2,178.98 | $790.80 |
11/28/2028 | $284,179.75 | $2,969.77 | $2,172.95 | $796.83 |
12/28/2028 | $283,376.84 | $2,969.77 | $2,166.87 | $802.90 |
01/28/2029 | $282,567.82 | $2,969.77 | $2,160.75 | $809.02 |
02/28/2029 | $281,752.63 | $2,969.77 | $2,154.58 | $815.19 |
03/28/2029 | $280,922.24 | $3,002.23 | $2,171.84 | $830.38 |
04/28/2029 | $280,085.46 | $3,002.23 | $2,165.44 | $836.79 |
05/28/2029 | $279,242.22 | $3,002.23 | $2,158.99 | $843.24 |
06/28/2029 | $278,392.49 | $3,002.23 | $2,152.49 | $849.74 |
07/28/2029 | $277,536.20 | $3,002.23 | $2,145.94 | $856.29 |
08/28/2029 | $276,673.32 | $3,002.23 | $2,139.34 | $862.89 |
09/28/2029 | $275,803.78 | $3,002.23 | $2,132.69 | $869.54 |
10/28/2029 | $274,927.54 | $3,002.23 | $2,125.99 | $876.24 |
11/28/2029 | $274,044.54 | $3,002.23 | $2,119.23 | $882.99 |
12/28/2029 | $273,154.74 | $3,002.23 | $2,112.43 | $889.80 |
01/28/2030 | $272,258.08 | $3,002.23 | $2,105.57 | $896.66 |
02/28/2030 | $271,354.51 | $3,002.23 | $2,098.66 | $903.57 |
03/28/2030 | $270,434.13 | $3,034.68 | $2,114.30 | $920.38 |
04/28/2030 | $269,506.58 | $3,034.68 | $2,107.13 | $927.55 |
05/28/2030 | $268,571.80 | $3,034.68 | $2,099.91 | $934.78 |
06/28/2030 | $267,629.73 | $3,034.68 | $2,092.62 | $942.06 |
07/28/2030 | $266,680.33 | $3,034.68 | $2,085.28 | $949.40 |
08/28/2030 | $265,723.53 | $3,034.68 | $2,077.88 | $956.80 |
09/28/2030 | $264,759.28 | $3,034.68 | $2,070.43 | $964.26 |
10/28/2030 | $263,787.51 | $3,034.68 | $2,062.92 | $971.77 |
11/28/2030 | $262,808.17 | $3,034.68 | $2,055.34 | $979.34 |
12/28/2030 | $261,821.20 | $3,034.68 | $2,047.71 | $986.97 |
01/28/2031 | $260,826.54 | $3,034.68 | $2,040.02 | $994.66 |
02/28/2031 | $259,824.12 | $3,034.68 | $2,032.27 | $1,002.41 |
03/28/2031 | $258,803.10 | $3,067.14 | $2,046.11 | $1,021.03 |
04/28/2031 | $257,774.03 | $3,067.14 | $2,038.07 | $1,029.07 |
05/28/2031 | $256,736.86 | $3,067.14 | $2,029.97 | $1,037.17 |
06/28/2031 | $255,691.52 | $3,067.14 | $2,021.80 | $1,045.34 |
07/28/2031 | $254,637.95 | $3,067.14 | $2,013.57 | $1,053.57 |
08/28/2031 | $253,576.09 | $3,067.14 | $2,005.27 | $1,061.87 |
09/28/2031 | $252,505.86 | $3,067.14 | $1,996.91 | $1,070.23 |
10/28/2031 | $251,427.20 | $3,067.14 | $1,988.48 | $1,078.66 |
11/28/2031 | $250,340.05 | $3,067.14 | $1,979.99 | $1,087.15 |
12/28/2031 | $249,244.33 | $3,067.14 | $1,971.43 | $1,095.71 |
01/28/2032 | $248,139.99 | $3,067.14 | $1,962.80 | $1,104.34 |
02/28/2032 | $247,026.95 | $3,067.14 | $1,954.10 | $1,113.04 |
03/28/2032 | $245,893.28 | $3,099.60 | $1,965.92 | $1,133.67 |
04/28/2032 | $244,750.58 | $3,099.60 | $1,956.90 | $1,142.70 |
05/28/2032 | $243,598.79 | $3,099.60 | $1,947.81 | $1,151.79 |
06/28/2032 | $242,437.83 | $3,099.60 | $1,938.64 | $1,160.96 |
07/28/2032 | $241,267.64 | $3,099.60 | $1,929.40 | $1,170.20 |
08/28/2032 | $240,088.13 | $3,099.60 | $1,920.09 | $1,179.51 |
09/28/2032 | $238,899.23 | $3,099.60 | $1,910.70 | $1,188.90 |
10/28/2032 | $237,700.87 | $3,099.60 | $1,901.24 | $1,198.36 |
11/28/2032 | $236,492.98 | $3,099.60 | $1,891.70 | $1,207.89 |
12/28/2032 | $235,275.47 | $3,099.60 | $1,882.09 | $1,217.51 |
01/28/2033 | $234,048.28 | $3,099.60 | $1,872.40 | $1,227.20 |
02/28/2033 | $232,811.31 | $3,099.60 | $1,862.63 | $1,236.96 |
03/28/2033 | $231,551.45 | $3,132.05 | $1,872.19 | $1,259.86 |
04/28/2033 | $230,281.45 | $3,132.05 | $1,862.06 | $1,269.99 |
05/28/2033 | $229,001.25 | $3,132.05 | $1,851.85 | $1,280.21 |
06/28/2033 | $227,710.75 | $3,132.05 | $1,841.55 | $1,290.50 |
07/28/2033 | $226,409.87 | $3,132.05 | $1,831.17 | $1,300.88 |
08/28/2033 | $225,098.52 | $3,132.05 | $1,820.71 | $1,311.34 |
09/28/2033 | $223,776.64 | $3,132.05 | $1,810.17 | $1,321.89 |
10/28/2033 | $222,444.12 | $3,132.05 | $1,799.54 | $1,332.52 |
11/28/2033 | $221,100.89 | $3,132.05 | $1,788.82 | $1,343.23 |
12/28/2033 | $219,746.85 | $3,132.05 | $1,778.02 | $1,354.03 |
01/28/2034 | $218,381.93 | $3,132.05 | $1,767.13 | $1,364.92 |
02/28/2034 | $217,006.03 | $3,132.05 | $1,756.15 | $1,375.90 |
03/28/2034 | $215,604.69 | $3,164.51 | $1,763.17 | $1,401.34 |
04/28/2034 | $214,191.97 | $3,164.51 | $1,751.79 | $1,412.72 |
05/28/2034 | $212,767.77 | $3,164.51 | $1,740.31 | $1,424.20 |
06/28/2034 | $211,332.00 | $3,164.51 | $1,728.74 | $1,435.77 |
07/28/2034 | $209,884.56 | $3,164.51 | $1,717.07 | $1,447.44 |
08/28/2034 | $208,425.36 | $3,164.51 | $1,705.31 | $1,459.20 |
09/28/2034 | $206,954.31 | $3,164.51 | $1,693.46 | $1,471.05 |
10/28/2034 | $205,471.30 | $3,164.51 | $1,681.50 | $1,483.01 |
11/28/2034 | $203,976.24 | $3,164.51 | $1,669.45 | $1,495.06 |
12/28/2034 | $202,469.04 | $3,164.51 | $1,657.31 | $1,507.20 |
01/28/2035 | $200,949.59 | $3,164.51 | $1,645.06 | $1,519.45 |
02/28/2035 | $199,417.80 | $3,164.51 | $1,632.72 | $1,531.80 |
03/28/2035 | $197,857.72 | $3,196.97 | $1,636.89 | $1,560.08 |
04/28/2035 | $196,284.83 | $3,196.97 | $1,624.08 | $1,572.88 |
05/28/2035 | $194,699.04 | $3,196.97 | $1,611.17 | $1,585.80 |
06/28/2035 | $193,100.22 | $3,196.97 | $1,598.15 | $1,598.81 |
07/28/2035 | $191,488.29 | $3,196.97 | $1,585.03 | $1,611.94 |
08/28/2035 | $189,863.12 | $3,196.97 | $1,571.80 | $1,625.17 |
09/28/2035 | $188,224.61 | $3,196.97 | $1,558.46 | $1,638.51 |
10/28/2035 | $186,572.66 | $3,196.97 | $1,545.01 | $1,651.96 |
11/28/2035 | $184,907.14 | $3,196.97 | $1,531.45 | $1,665.52 |
12/28/2035 | $183,227.95 | $3,196.97 | $1,517.78 | $1,679.19 |
01/28/2036 | $181,534.98 | $3,196.97 | $1,504.00 | $1,692.97 |
02/28/2036 | $179,828.11 | $3,196.97 | $1,490.10 | $1,706.87 |
03/28/2036 | $178,089.76 | $3,229.42 | $1,491.07 | $1,738.35 |
04/28/2036 | $176,337.00 | $3,229.42 | $1,476.66 | $1,752.76 |
05/28/2036 | $174,569.71 | $3,229.42 | $1,462.13 | $1,767.30 |
06/28/2036 | $172,787.76 | $3,229.42 | $1,447.47 | $1,781.95 |
07/28/2036 | $170,991.03 | $3,229.42 | $1,432.70 | $1,796.73 |
08/28/2036 | $169,179.41 | $3,229.42 | $1,417.80 | $1,811.62 |
09/28/2036 | $167,352.76 | $3,229.42 | $1,402.78 | $1,826.64 |
10/28/2036 | $165,510.97 | $3,229.42 | $1,387.63 | $1,841.79 |
11/28/2036 | $163,653.91 | $3,229.42 | $1,372.36 | $1,857.06 |
12/28/2036 | $161,781.45 | $3,229.42 | $1,356.96 | $1,872.46 |
01/28/2037 | $159,893.47 | $3,229.42 | $1,341.44 | $1,887.99 |
02/28/2037 | $157,989.83 | $3,229.42 | $1,325.78 | $1,903.64 |
03/28/2037 | $156,051.11 | $3,261.88 | $1,323.16 | $1,938.72 |
04/28/2037 | $154,096.16 | $3,261.88 | $1,306.93 | $1,954.95 |
05/28/2037 | $152,124.83 | $3,261.88 | $1,290.56 | $1,971.32 |
06/28/2037 | $150,137.00 | $3,261.88 | $1,274.05 | $1,987.83 |
07/28/2037 | $148,132.52 | $3,261.88 | $1,257.40 | $2,004.48 |
08/28/2037 | $146,111.25 | $3,261.88 | $1,240.61 | $2,021.27 |
09/28/2037 | $144,073.05 | $3,261.88 | $1,223.68 | $2,038.20 |
10/28/2037 | $142,017.78 | $3,261.88 | $1,206.61 | $2,055.27 |
11/28/2037 | $139,945.30 | $3,261.88 | $1,189.40 | $2,072.48 |
12/28/2037 | $137,855.46 | $3,261.88 | $1,172.04 | $2,089.84 |
01/28/2038 | $135,748.12 | $3,261.88 | $1,154.54 | $2,107.34 |
02/28/2038 | $133,623.13 | $3,261.88 | $1,136.89 | $2,124.99 |
03/28/2038 | $131,459.02 | $3,294.34 | $1,130.23 | $2,164.11 |
04/28/2038 | $129,276.61 | $3,294.34 | $1,111.92 | $2,182.41 |
05/28/2038 | $127,075.74 | $3,294.34 | $1,093.46 | $2,200.87 |
06/28/2038 | $124,856.25 | $3,294.34 | $1,074.85 | $2,219.49 |
07/28/2038 | $122,617.99 | $3,294.34 | $1,056.08 | $2,238.26 |
08/28/2038 | $120,360.80 | $3,294.34 | $1,037.14 | $2,257.19 |
09/28/2038 | $118,084.51 | $3,294.34 | $1,018.05 | $2,276.28 |
10/28/2038 | $115,788.97 | $3,294.34 | $998.80 | $2,295.54 |
11/28/2038 | $113,474.02 | $3,294.34 | $979.38 | $2,314.95 |
12/28/2038 | $111,139.48 | $3,294.34 | $959.80 | $2,334.54 |
01/28/2039 | $108,785.20 | $3,294.34 | $940.05 | $2,354.28 |
02/28/2039 | $106,411.01 | $3,294.34 | $920.14 | $2,374.20 |
03/28/2039 | $103,993.14 | $3,326.79 | $908.93 | $2,417.87 |
04/28/2039 | $101,554.62 | $3,326.79 | $888.27 | $2,438.52 |
05/28/2039 | $99,095.27 | $3,326.79 | $867.45 | $2,459.35 |
06/28/2039 | $96,614.92 | $3,326.79 | $846.44 | $2,480.35 |
07/28/2039 | $94,113.38 | $3,326.79 | $825.25 | $2,501.54 |
08/28/2039 | $91,590.47 | $3,326.79 | $803.89 | $2,522.91 |
09/28/2039 | $89,046.01 | $3,326.79 | $782.34 | $2,544.46 |
10/28/2039 | $86,479.82 | $3,326.79 | $760.60 | $2,566.19 |
11/28/2039 | $83,891.71 | $3,326.79 | $738.68 | $2,588.11 |
12/28/2039 | $81,281.49 | $3,326.79 | $716.58 | $2,610.22 |
01/28/2040 | $78,648.98 | $3,326.79 | $694.28 | $2,632.51 |
02/28/2040 | $75,993.98 | $3,326.79 | $671.79 | $2,655.00 |
03/28/2040 | $73,290.18 | $3,359.25 | $655.45 | $2,703.80 |
04/28/2040 | $70,563.05 | $3,359.25 | $632.13 | $2,727.12 |
05/28/2040 | $67,812.41 | $3,359.25 | $608.61 | $2,750.64 |
06/28/2040 | $65,038.04 | $3,359.25 | $584.88 | $2,774.37 |
07/28/2040 | $62,239.75 | $3,359.25 | $560.95 | $2,798.30 |
08/28/2040 | $59,417.31 | $3,359.25 | $536.82 | $2,822.43 |
09/28/2040 | $56,570.54 | $3,359.25 | $512.47 | $2,846.78 |
10/28/2040 | $53,699.21 | $3,359.25 | $487.92 | $2,871.33 |
11/28/2040 | $50,803.12 | $3,359.25 | $463.16 | $2,896.09 |
12/28/2040 | $47,882.04 | $3,359.25 | $438.18 | $2,921.07 |
01/28/2041 | $44,935.78 | $3,359.25 | $412.98 | $2,946.27 |
02/28/2041 | $41,964.10 | $3,359.25 | $387.57 | $2,971.68 |
03/28/2041 | $38,937.83 | $3,391.71 | $365.44 | $3,026.27 |
04/28/2041 | $35,885.21 | $3,391.71 | $339.08 | $3,052.62 |
05/28/2041 | $32,806.00 | $3,391.71 | $312.50 | $3,079.21 |
06/28/2041 | $29,699.98 | $3,391.71 | $285.69 | $3,106.02 |
07/28/2041 | $26,566.91 | $3,391.71 | $258.64 | $3,133.07 |
08/28/2041 | $23,406.56 | $3,391.71 | $231.35 | $3,160.35 |
09/28/2041 | $20,218.69 | $3,391.71 | $203.83 | $3,187.87 |
10/28/2041 | $17,003.05 | $3,391.71 | $176.07 | $3,215.64 |
11/28/2041 | $13,759.41 | $3,391.71 | $148.07 | $3,243.64 |
12/28/2041 | $10,487.53 | $3,391.71 | $119.82 | $3,271.88 |
01/28/2042 | $7,187.15 | $3,391.71 | $91.33 | $3,300.38 |
02/28/2042 | $3,858.03 | $3,391.71 | $62.59 | $3,329.12 |
03/28/2042 | $467.79 | $3,424.16 | $33.92 | $3,390.24 |
04/28/2042 | $-2,952.26 | $3,424.16 | $4.11 | $3,420.05 |
05/28/2042 | $-6,402.38 | $3,424.16 | $-25.96 | $3,450.12 |
06/28/2042 | $-9,882.83 | $3,424.16 | $-56.29 | $3,480.45 |
07/28/2042 | $-13,393.88 | $3,424.16 | $-86.89 | $3,511.05 |
08/28/2042 | $-16,935.80 | $3,424.16 | $-117.75 | $3,541.92 |
09/28/2042 | $-20,508.85 | $3,424.16 | $-148.89 | $3,573.06 |
10/28/2042 | $-24,113.32 | $3,424.16 | $-180.31 | $3,604.47 |
11/28/2042 | $-27,749.48 | $3,424.16 | $-212.00 | $3,636.16 |
12/28/2042 | $-31,417.61 | $3,424.16 | $-243.96 | $3,668.13 |
01/28/2043 | $-35,117.99 | $3,424.16 | $-276.21 | $3,700.38 |
02/28/2043 | $-38,850.89 | $3,424.16 | $-308.75 | $3,732.91 |
03/28/2043 | $-42,652.31 | $3,456.62 | $-344.80 | $3,801.42 |
04/28/2043 | $-46,487.47 | $3,456.62 | $-378.54 | $3,835.16 |
05/28/2043 | $-50,356.67 | $3,456.62 | $-412.58 | $3,869.20 |
06/28/2043 | $-54,260.20 | $3,456.62 | $-446.92 | $3,903.53 |
07/28/2043 | $-58,198.38 | $3,456.62 | $-481.56 | $3,938.18 |
08/28/2043 | $-62,171.51 | $3,456.62 | $-516.51 | $3,973.13 |
09/28/2043 | $-66,179.90 | $3,456.62 | $-551.77 | $4,008.39 |
10/28/2043 | $-70,223.87 | $3,456.62 | $-587.35 | $4,043.97 |
11/28/2043 | $-74,303.72 | $3,456.62 | $-623.24 | $4,079.86 |
12/28/2043 | $-78,419.79 | $3,456.62 | $-659.45 | $4,116.06 |
01/28/2044 | $-82,572.38 | $3,456.62 | $-695.98 | $4,152.59 |
02/28/2044 | $-86,761.83 | $3,456.62 | $-732.83 | $4,189.45 |
TOTAL: | - | $755,587.75 | $348,319.31 | $407,268.45 |
Change options for different scenario in the form below:
Lender | APR (%)? | Monthly Payment? | Learn More |
---|---|---|---|
Third Federal Savings and Loan Equal Housing Lender |
7.490 %
|
$0 | Learn More |
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Figure Home Equity Line Equal Housing Lender |
HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online. | Learn More | |
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New American Funding, LLC |
Cash-Out and Home Equity Options Available. | Learn More | |
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AmeriSave Mortgage Corporation |
Home Equity Lines, Refinance, & Second Mortgages | Learn More | |
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Data provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details. |