Use the calculator below to calculate your monthly home equity payment for the line of credit from DFCU Financial. 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: 9.25%
Rate change (per year): 0.1%
Date | Principal Balance? | Monthly Payment? | Interest? | Monthly Amortization? |
---|---|---|---|---|
03/28/2024 | $320,000.00 | $2,962.46 | $2,493.33 | $469.12 |
04/28/2024 | $319,530.88 | $2,962.46 | $2,493.33 | $469.12 |
05/28/2024 | $319,058.10 | $2,962.46 | $2,489.68 | $472.78 |
06/28/2024 | $318,581.63 | $2,962.46 | $2,485.99 | $476.46 |
07/28/2024 | $318,101.46 | $2,962.46 | $2,482.28 | $480.18 |
08/28/2024 | $317,617.54 | $2,962.46 | $2,478.54 | $483.92 |
09/28/2024 | $317,129.85 | $2,962.46 | $2,474.77 | $487.69 |
10/28/2024 | $316,638.36 | $2,962.46 | $2,470.97 | $491.49 |
11/28/2024 | $316,143.05 | $2,962.46 | $2,467.14 | $495.32 |
12/28/2024 | $315,643.87 | $2,962.46 | $2,463.28 | $499.18 |
01/28/2025 | $315,140.80 | $2,962.46 | $2,459.39 | $503.07 |
02/28/2025 | $314,633.82 | $2,962.46 | $2,455.47 | $506.99 |
03/28/2025 | $314,117.42 | $2,994.14 | $2,477.74 | $516.40 |
04/28/2025 | $313,596.95 | $2,994.14 | $2,473.67 | $520.47 |
05/28/2025 | $313,072.38 | $2,994.14 | $2,469.58 | $524.57 |
06/28/2025 | $312,543.69 | $2,994.14 | $2,465.45 | $528.70 |
07/28/2025 | $312,010.83 | $2,994.14 | $2,461.28 | $532.86 |
08/28/2025 | $311,473.77 | $2,994.14 | $2,457.09 | $537.06 |
09/28/2025 | $310,932.48 | $2,994.14 | $2,452.86 | $541.29 |
10/28/2025 | $310,386.93 | $2,994.14 | $2,448.59 | $545.55 |
11/28/2025 | $309,837.09 | $2,994.14 | $2,444.30 | $549.84 |
12/28/2025 | $309,282.91 | $2,994.14 | $2,439.97 | $554.17 |
01/28/2026 | $308,724.38 | $2,994.14 | $2,435.60 | $558.54 |
02/28/2026 | $308,161.44 | $2,994.14 | $2,431.20 | $562.94 |
03/28/2026 | $307,588.06 | $3,025.83 | $2,452.45 | $573.37 |
04/28/2026 | $307,010.13 | $3,025.83 | $2,447.89 | $577.94 |
05/28/2026 | $306,427.59 | $3,025.83 | $2,443.29 | $582.54 |
06/28/2026 | $305,840.42 | $3,025.83 | $2,438.65 | $587.17 |
07/28/2026 | $305,248.57 | $3,025.83 | $2,433.98 | $591.85 |
08/28/2026 | $304,652.01 | $3,025.83 | $2,429.27 | $596.56 |
09/28/2026 | $304,050.71 | $3,025.83 | $2,424.52 | $601.30 |
10/28/2026 | $303,444.62 | $3,025.83 | $2,419.74 | $606.09 |
11/28/2026 | $302,833.71 | $3,025.83 | $2,414.91 | $610.91 |
12/28/2026 | $302,217.93 | $3,025.83 | $2,410.05 | $615.77 |
01/28/2027 | $301,597.26 | $3,025.83 | $2,405.15 | $620.67 |
02/28/2027 | $300,971.64 | $3,025.83 | $2,400.21 | $625.61 |
03/28/2027 | $300,334.45 | $3,057.51 | $2,420.31 | $637.20 |
04/28/2027 | $299,692.13 | $3,057.51 | $2,415.19 | $642.32 |
05/28/2027 | $299,044.64 | $3,057.51 | $2,410.02 | $647.49 |
06/28/2027 | $298,391.95 | $3,057.51 | $2,404.82 | $652.69 |
07/28/2027 | $297,734.01 | $3,057.51 | $2,399.57 | $657.94 |
08/28/2027 | $297,070.78 | $3,057.51 | $2,394.28 | $663.23 |
09/28/2027 | $296,402.21 | $3,057.51 | $2,388.94 | $668.57 |
10/28/2027 | $295,728.27 | $3,057.51 | $2,383.57 | $673.94 |
11/28/2027 | $295,048.90 | $3,057.51 | $2,378.15 | $679.36 |
12/28/2027 | $294,364.08 | $3,057.51 | $2,372.68 | $684.83 |
01/28/2028 | $293,673.75 | $3,057.51 | $2,367.18 | $690.33 |
02/28/2028 | $292,977.86 | $3,057.51 | $2,361.63 | $695.88 |
03/28/2028 | $292,269.12 | $3,089.19 | $2,380.45 | $708.75 |
04/28/2028 | $291,554.61 | $3,089.19 | $2,374.69 | $714.51 |
05/28/2028 | $290,834.29 | $3,089.19 | $2,368.88 | $720.31 |
06/28/2028 | $290,108.13 | $3,089.19 | $2,363.03 | $726.17 |
07/28/2028 | $289,376.06 | $3,089.19 | $2,357.13 | $732.07 |
08/28/2028 | $288,638.05 | $3,089.19 | $2,351.18 | $738.01 |
09/28/2028 | $287,894.04 | $3,089.19 | $2,345.18 | $744.01 |
10/28/2028 | $287,143.99 | $3,089.19 | $2,339.14 | $750.06 |
11/28/2028 | $286,387.84 | $3,089.19 | $2,333.04 | $756.15 |
12/28/2028 | $285,625.54 | $3,089.19 | $2,326.90 | $762.29 |
01/28/2029 | $284,857.06 | $3,089.19 | $2,320.71 | $768.49 |
02/28/2029 | $284,082.33 | $3,089.19 | $2,314.46 | $774.73 |
03/28/2029 | $283,293.29 | $3,120.88 | $2,331.84 | $789.04 |
04/28/2029 | $282,497.78 | $3,120.88 | $2,325.37 | $795.51 |
05/28/2029 | $281,695.74 | $3,120.88 | $2,318.84 | $802.04 |
06/28/2029 | $280,887.11 | $3,120.88 | $2,312.25 | $808.63 |
07/28/2029 | $280,071.85 | $3,120.88 | $2,305.62 | $815.26 |
08/28/2029 | $279,249.89 | $3,120.88 | $2,298.92 | $821.96 |
09/28/2029 | $278,421.19 | $3,120.88 | $2,292.18 | $828.70 |
10/28/2029 | $277,585.69 | $3,120.88 | $2,285.37 | $835.50 |
11/28/2029 | $276,743.32 | $3,120.88 | $2,278.52 | $842.36 |
12/28/2029 | $275,894.05 | $3,120.88 | $2,271.60 | $849.28 |
01/28/2030 | $275,037.80 | $3,120.88 | $2,264.63 | $856.25 |
02/28/2030 | $274,174.52 | $3,120.88 | $2,257.60 | $863.28 |
03/28/2030 | $273,295.32 | $3,152.56 | $2,273.36 | $879.20 |
04/28/2030 | $272,408.84 | $3,152.56 | $2,266.07 | $886.49 |
05/28/2030 | $271,515.00 | $3,152.56 | $2,258.72 | $893.84 |
06/28/2030 | $270,613.75 | $3,152.56 | $2,251.31 | $901.25 |
07/28/2030 | $269,705.02 | $3,152.56 | $2,243.84 | $908.72 |
08/28/2030 | $268,788.77 | $3,152.56 | $2,236.30 | $916.26 |
09/28/2030 | $267,864.91 | $3,152.56 | $2,228.71 | $923.86 |
10/28/2030 | $266,933.39 | $3,152.56 | $2,221.05 | $931.52 |
11/28/2030 | $265,994.16 | $3,152.56 | $2,213.32 | $939.24 |
12/28/2030 | $265,047.13 | $3,152.56 | $2,205.53 | $947.03 |
01/28/2031 | $264,092.25 | $3,152.56 | $2,197.68 | $954.88 |
02/28/2031 | $263,129.45 | $3,152.56 | $2,189.76 | $962.80 |
03/28/2031 | $262,148.91 | $3,184.25 | $2,203.71 | $980.54 |
04/28/2031 | $261,160.17 | $3,184.25 | $2,195.50 | $988.75 |
05/28/2031 | $260,163.14 | $3,184.25 | $2,187.22 | $997.03 |
06/28/2031 | $259,157.76 | $3,184.25 | $2,178.87 | $1,005.38 |
07/28/2031 | $258,143.96 | $3,184.25 | $2,170.45 | $1,013.80 |
08/28/2031 | $257,121.66 | $3,184.25 | $2,161.96 | $1,022.29 |
09/28/2031 | $256,090.81 | $3,184.25 | $2,153.39 | $1,030.85 |
10/28/2031 | $255,051.33 | $3,184.25 | $2,144.76 | $1,039.49 |
11/28/2031 | $254,003.14 | $3,184.25 | $2,136.05 | $1,048.19 |
12/28/2031 | $252,946.17 | $3,184.25 | $2,127.28 | $1,056.97 |
01/28/2032 | $251,880.34 | $3,184.25 | $2,118.42 | $1,065.82 |
02/28/2032 | $250,805.60 | $3,184.25 | $2,109.50 | $1,074.75 |
03/28/2032 | $249,711.06 | $3,215.93 | $2,121.40 | $1,094.53 |
04/28/2032 | $248,607.27 | $3,215.93 | $2,112.14 | $1,103.79 |
05/28/2032 | $247,494.14 | $3,215.93 | $2,102.80 | $1,113.13 |
06/28/2032 | $246,371.60 | $3,215.93 | $2,093.39 | $1,122.54 |
07/28/2032 | $245,239.56 | $3,215.93 | $2,083.89 | $1,132.04 |
08/28/2032 | $244,097.95 | $3,215.93 | $2,074.32 | $1,141.61 |
09/28/2032 | $242,946.68 | $3,215.93 | $2,064.66 | $1,151.27 |
10/28/2032 | $241,785.68 | $3,215.93 | $2,054.92 | $1,161.01 |
11/28/2032 | $240,614.85 | $3,215.93 | $2,045.10 | $1,170.83 |
12/28/2032 | $239,434.12 | $3,215.93 | $2,035.20 | $1,180.73 |
01/28/2033 | $238,243.41 | $3,215.93 | $2,025.21 | $1,190.72 |
02/28/2033 | $237,042.62 | $3,215.93 | $2,015.14 | $1,200.79 |
03/28/2033 | $235,819.74 | $3,247.61 | $2,024.74 | $1,222.88 |
04/28/2033 | $234,586.42 | $3,247.61 | $2,014.29 | $1,233.32 |
05/28/2033 | $233,342.57 | $3,247.61 | $2,003.76 | $1,243.86 |
06/28/2033 | $232,088.09 | $3,247.61 | $1,993.13 | $1,254.48 |
07/28/2033 | $230,822.89 | $3,247.61 | $1,982.42 | $1,265.20 |
08/28/2033 | $229,546.89 | $3,247.61 | $1,971.61 | $1,276.00 |
09/28/2033 | $228,259.99 | $3,247.61 | $1,960.71 | $1,286.90 |
10/28/2033 | $226,962.09 | $3,247.61 | $1,949.72 | $1,297.89 |
11/28/2033 | $225,653.11 | $3,247.61 | $1,938.63 | $1,308.98 |
12/28/2033 | $224,332.95 | $3,247.61 | $1,927.45 | $1,320.16 |
01/28/2034 | $223,001.52 | $3,247.61 | $1,916.18 | $1,331.44 |
02/28/2034 | $221,658.71 | $3,247.61 | $1,904.80 | $1,342.81 |
03/28/2034 | $220,291.22 | $3,279.30 | $1,911.81 | $1,367.49 |
04/28/2034 | $218,911.93 | $3,279.30 | $1,900.01 | $1,379.29 |
05/28/2034 | $217,520.75 | $3,279.30 | $1,888.12 | $1,391.18 |
06/28/2034 | $216,117.56 | $3,279.30 | $1,876.12 | $1,403.18 |
07/28/2034 | $214,702.28 | $3,279.30 | $1,864.01 | $1,415.28 |
08/28/2034 | $213,274.79 | $3,279.30 | $1,851.81 | $1,427.49 |
09/28/2034 | $211,834.98 | $3,279.30 | $1,839.50 | $1,439.80 |
10/28/2034 | $210,382.76 | $3,279.30 | $1,827.08 | $1,452.22 |
11/28/2034 | $208,918.02 | $3,279.30 | $1,814.55 | $1,464.75 |
12/28/2034 | $207,440.64 | $3,279.30 | $1,801.92 | $1,477.38 |
01/28/2035 | $205,950.51 | $3,279.30 | $1,789.18 | $1,490.12 |
02/28/2035 | $204,447.54 | $3,279.30 | $1,776.32 | $1,502.98 |
03/28/2035 | $202,916.95 | $3,310.98 | $1,780.40 | $1,530.59 |
04/28/2035 | $201,373.04 | $3,310.98 | $1,767.07 | $1,543.91 |
05/28/2035 | $199,815.68 | $3,310.98 | $1,753.62 | $1,557.36 |
06/28/2035 | $198,244.76 | $3,310.98 | $1,740.06 | $1,570.92 |
07/28/2035 | $196,660.16 | $3,310.98 | $1,726.38 | $1,584.60 |
08/28/2035 | $195,061.76 | $3,310.98 | $1,712.58 | $1,598.40 |
09/28/2035 | $193,449.44 | $3,310.98 | $1,698.66 | $1,612.32 |
10/28/2035 | $191,823.08 | $3,310.98 | $1,684.62 | $1,626.36 |
11/28/2035 | $190,182.56 | $3,310.98 | $1,670.46 | $1,640.52 |
12/28/2035 | $188,527.75 | $3,310.98 | $1,656.17 | $1,654.81 |
01/28/2036 | $186,858.53 | $3,310.98 | $1,641.76 | $1,669.22 |
02/28/2036 | $185,174.77 | $3,310.98 | $1,627.23 | $1,683.76 |
03/28/2036 | $183,460.10 | $3,342.67 | $1,627.99 | $1,714.67 |
04/28/2036 | $181,730.35 | $3,342.67 | $1,612.92 | $1,729.75 |
05/28/2036 | $179,985.40 | $3,342.67 | $1,597.71 | $1,744.95 |
06/28/2036 | $178,225.10 | $3,342.67 | $1,582.37 | $1,760.29 |
07/28/2036 | $176,449.33 | $3,342.67 | $1,566.90 | $1,775.77 |
08/28/2036 | $174,657.95 | $3,342.67 | $1,551.28 | $1,791.38 |
09/28/2036 | $172,850.82 | $3,342.67 | $1,535.53 | $1,807.13 |
10/28/2036 | $171,027.80 | $3,342.67 | $1,519.65 | $1,823.02 |
11/28/2036 | $169,188.75 | $3,342.67 | $1,503.62 | $1,839.05 |
12/28/2036 | $167,333.54 | $3,342.67 | $1,487.45 | $1,855.22 |
01/28/2037 | $165,462.01 | $3,342.67 | $1,471.14 | $1,871.53 |
02/28/2037 | $163,574.03 | $3,342.67 | $1,454.69 | $1,887.98 |
03/28/2037 | $161,651.40 | $3,374.35 | $1,451.72 | $1,922.63 |
04/28/2037 | $159,711.71 | $3,374.35 | $1,434.66 | $1,939.69 |
05/28/2037 | $157,754.80 | $3,374.35 | $1,417.44 | $1,956.91 |
06/28/2037 | $155,780.52 | $3,374.35 | $1,400.07 | $1,974.28 |
07/28/2037 | $153,788.72 | $3,374.35 | $1,382.55 | $1,991.80 |
08/28/2037 | $151,779.25 | $3,374.35 | $1,364.87 | $2,009.48 |
09/28/2037 | $149,751.94 | $3,374.35 | $1,347.04 | $2,027.31 |
10/28/2037 | $147,706.63 | $3,374.35 | $1,329.05 | $2,045.30 |
11/28/2037 | $145,643.18 | $3,374.35 | $1,310.90 | $2,063.45 |
12/28/2037 | $143,561.41 | $3,374.35 | $1,292.58 | $2,081.77 |
01/28/2038 | $141,461.17 | $3,374.35 | $1,274.11 | $2,100.24 |
02/28/2038 | $139,342.29 | $3,374.35 | $1,255.47 | $2,118.88 |
03/28/2038 | $137,184.53 | $3,406.03 | $1,248.27 | $2,157.76 |
04/28/2038 | $135,007.44 | $3,406.03 | $1,228.94 | $2,177.09 |
05/28/2038 | $132,810.85 | $3,406.03 | $1,209.44 | $2,196.59 |
06/28/2038 | $130,594.57 | $3,406.03 | $1,189.76 | $2,216.27 |
07/28/2038 | $128,358.45 | $3,406.03 | $1,169.91 | $2,236.12 |
08/28/2038 | $126,102.29 | $3,406.03 | $1,149.88 | $2,256.16 |
09/28/2038 | $123,825.93 | $3,406.03 | $1,129.67 | $2,276.37 |
10/28/2038 | $121,529.16 | $3,406.03 | $1,109.27 | $2,296.76 |
11/28/2038 | $119,211.83 | $3,406.03 | $1,088.70 | $2,317.34 |
12/28/2038 | $116,873.73 | $3,406.03 | $1,067.94 | $2,338.10 |
01/28/2039 | $114,514.69 | $3,406.03 | $1,046.99 | $2,359.04 |
02/28/2039 | $112,134.52 | $3,406.03 | $1,025.86 | $2,380.17 |
03/28/2039 | $109,710.68 | $3,437.72 | $1,013.88 | $2,423.84 |
04/28/2039 | $107,264.93 | $3,437.72 | $991.97 | $2,445.75 |
05/28/2039 | $104,797.07 | $3,437.72 | $969.85 | $2,467.86 |
06/28/2039 | $102,306.89 | $3,437.72 | $947.54 | $2,490.18 |
07/28/2039 | $99,794.20 | $3,437.72 | $925.02 | $2,512.69 |
08/28/2039 | $97,258.78 | $3,437.72 | $902.31 | $2,535.41 |
09/28/2039 | $94,700.45 | $3,437.72 | $879.38 | $2,558.34 |
10/28/2039 | $92,118.98 | $3,437.72 | $856.25 | $2,581.47 |
11/28/2039 | $89,514.17 | $3,437.72 | $832.91 | $2,604.81 |
12/28/2039 | $86,885.81 | $3,437.72 | $809.36 | $2,628.36 |
01/28/2040 | $84,233.68 | $3,437.72 | $785.59 | $2,652.13 |
02/28/2040 | $81,557.57 | $3,437.72 | $761.61 | $2,676.11 |
03/28/2040 | $78,832.39 | $3,469.40 | $744.21 | $2,725.19 |
04/28/2040 | $76,082.33 | $3,469.40 | $719.35 | $2,750.06 |
05/28/2040 | $73,307.18 | $3,469.40 | $694.25 | $2,775.15 |
06/28/2040 | $70,506.70 | $3,469.40 | $668.93 | $2,800.47 |
07/28/2040 | $67,680.67 | $3,469.40 | $643.37 | $2,826.03 |
08/28/2040 | $64,828.86 | $3,469.40 | $617.59 | $2,851.82 |
09/28/2040 | $61,951.02 | $3,469.40 | $591.56 | $2,877.84 |
10/28/2040 | $59,046.92 | $3,469.40 | $565.30 | $2,904.10 |
11/28/2040 | $56,116.32 | $3,469.40 | $538.80 | $2,930.60 |
12/28/2040 | $53,158.98 | $3,469.40 | $512.06 | $2,957.34 |
01/28/2041 | $50,174.65 | $3,469.40 | $485.08 | $2,984.33 |
02/28/2041 | $47,163.09 | $3,469.40 | $457.84 | $3,011.56 |
03/28/2041 | $44,096.30 | $3,501.09 | $434.29 | $3,066.79 |
04/28/2041 | $41,001.27 | $3,501.09 | $406.05 | $3,095.03 |
05/28/2041 | $37,877.73 | $3,501.09 | $377.55 | $3,123.53 |
06/28/2041 | $34,725.44 | $3,501.09 | $348.79 | $3,152.30 |
07/28/2041 | $31,544.11 | $3,501.09 | $319.76 | $3,181.32 |
08/28/2041 | $28,333.50 | $3,501.09 | $290.47 | $3,210.62 |
09/28/2041 | $25,093.31 | $3,501.09 | $260.90 | $3,240.18 |
10/28/2041 | $21,823.29 | $3,501.09 | $231.07 | $3,270.02 |
11/28/2041 | $18,523.16 | $3,501.09 | $200.96 | $3,300.13 |
12/28/2041 | $15,192.64 | $3,501.09 | $170.57 | $3,330.52 |
01/28/2042 | $11,831.46 | $3,501.09 | $139.90 | $3,361.19 |
02/28/2042 | $8,439.32 | $3,501.09 | $108.95 | $3,392.14 |
03/28/2042 | $4,984.96 | $3,532.77 | $78.42 | $3,454.36 |
04/28/2042 | $1,498.51 | $3,532.77 | $46.32 | $3,486.45 |
05/28/2042 | $-2,020.34 | $3,532.77 | $13.92 | $3,518.85 |
06/28/2042 | $-5,571.88 | $3,532.77 | $-18.77 | $3,551.54 |
07/28/2042 | $-9,156.42 | $3,532.77 | $-51.77 | $3,584.54 |
08/28/2042 | $-12,774.27 | $3,532.77 | $-85.08 | $3,617.85 |
09/28/2042 | $-16,425.74 | $3,532.77 | $-118.69 | $3,651.46 |
10/28/2042 | $-20,111.13 | $3,532.77 | $-152.62 | $3,685.39 |
11/28/2042 | $-23,830.77 | $3,532.77 | $-186.87 | $3,719.64 |
12/28/2042 | $-27,584.96 | $3,532.77 | $-221.43 | $3,754.20 |
01/28/2043 | $-31,374.05 | $3,532.77 | $-256.31 | $3,789.08 |
02/28/2043 | $-35,198.33 | $3,532.77 | $-291.52 | $3,824.29 |
03/28/2043 | $-39,092.77 | $3,564.45 | $-329.98 | $3,894.44 |
04/28/2043 | $-43,023.72 | $3,564.45 | $-366.49 | $3,930.95 |
05/28/2043 | $-46,991.52 | $3,564.45 | $-403.35 | $3,967.80 |
06/28/2043 | $-50,996.52 | $3,564.45 | $-440.55 | $4,005.00 |
07/28/2043 | $-55,039.07 | $3,564.45 | $-478.09 | $4,042.55 |
08/28/2043 | $-59,119.52 | $3,564.45 | $-515.99 | $4,080.45 |
09/28/2043 | $-63,238.22 | $3,564.45 | $-554.25 | $4,118.70 |
10/28/2043 | $-67,395.53 | $3,564.45 | $-592.86 | $4,157.31 |
11/28/2043 | $-71,591.82 | $3,564.45 | $-631.83 | $4,196.29 |
12/28/2043 | $-75,827.45 | $3,564.45 | $-671.17 | $4,235.63 |
01/28/2044 | $-80,102.78 | $3,564.45 | $-710.88 | $4,275.34 |
02/28/2044 | $-84,418.20 | $3,564.45 | $-750.96 | $4,315.42 |
TOTAL: | - | $783,229.51 | $378,342.19 | $404,887.33 |
Change options for different scenario in the form below:
Lender | APR (%)? | Monthly Payment? | Learn More |
---|---|---|---|
AmeriSave Mortgage Corporation |
Home Equity Lines, Refinance, & Second Mortgages | 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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CrossCountry Mortgage, LLC |
"Unlock Your Home's Potential" | 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. |