Payment now
$0
principal and interest
Rate lock calculator / estimates only
Should I stay or
should I move?
You have a rate you will not get again. Moving means giving it up. This shows what that trade costs in dollars, and the rate that would hold your monthly cost level. It does not tell you what to do.
● LIVE · MOVES WITH YOUR NUMBERS BELOW
YOUR BREAK-EVEN RATE
0.00%
the rate that holds your monthly cost level
DIFFERENCE EACH MONTH
$0
Your numbers
The house you are in
%
$
yr
$
The house you would move to
$
%
%
Agent commission plus closing costs.
yr
Add taxes, insurance, and HOA (optional)
Monthly amounts. Leave any of them blank and the comparison stays on principal and interest only. These often differ more between two houses than the rate does, so filling them in usually changes the answer.
Your current home, per month
$
Annual bill divided by 12.
$
$
The house you would move to, per month
$
A pricier house usually means a bigger bill.
$
$
What the numbers say
Side by side
Payment after moving
$0
principal and interest
Difference each month
$0
Your break-even rate
0.00%
the new rate that holds your monthly cost level
Cash out of the sale
$0
after selling costs and paying off the loan
New loan amount
$0
price minus that cash
Cost to sell
$0
commission and closing
Extra paid over 5 years
$0
payment difference, plus selling costs
Assumptions behind these estimates
- These are estimates, not quotes. Your actual rate depends on credit, loan type, points, and the lender.
- Taxes, insurance, and HOA are included only if you enter them. PMI and VA funding fees are never included, and both move the real payment.
- The new loan is assumed to be a 30 year fixed with all sale proceeds used as the down payment.
- No home price appreciation, no rent, no moving costs, no tax effects.
- The break-even rate is the rate at which the new payment equals your current payment. It is arithmetic, not a forecast.
- For the national average 30 year fixed rate, see the Freddie Mac Primary Mortgage Market Survey.
Both doors are open
The call is yours
We are not going to tell you which one to pick. Nobody who has not seen your job, your family, your commute, or your plans should. Here is what each path looks like from here.
If you are thinking about moving
The numbers above are the money side. The rest of it is a conversation with people who know your market.
- What your home would actually list for, from an agent who works your area
- Whether a different loan type changes the payment math
- What the timing looks like if you have to buy and sell at once
If you are staying put
Staying is a decision too, and it is worth knowing when the math changes. Your break-even rate above is the number to watch.
- Get told when the 30 year fixed reaches your number
- No account, no phone number, no sales calls
- Unsubscribe in one click, any time
Where to get real numbers
Rates and eligibility
For an actual rate quote or a question about VA loan eligibility, entitlement, or funding fees, talk to a lender you choose: your bank, your credit union, or any mortgage professional. StandWatch does not place you with a lender, does not pass your information to anyone, and is not paid for referrals, applications, or closed loans.
StandWatch is a publisher, not a lender, bank, insurer, broker, or government agency. Not affiliated with the VA or any government agency. Everything on this page is an estimate for planning, not financial advice and not a recommendation. Advertising and affiliate relationships are disclosed where they appear, and partner offers will be labeled as such as partners sign.
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