Chase Mortgage Calculator
Estimate your monthly Chase mortgage payment at current rates. Free, no signup.
fin·calc is an independent, unaffiliated calculator — not endorsed by, sponsored by, or affiliated with Chase. "Chase" is used only to describe typical rates and terms; confirm actual terms directly with the bank.
Chase mortgage rate
| Lender | Typical rate | Max term |
|---|---|---|
| Chase | 6.75% p.a. | up to 30 years |
Reference 2026; 30-yr fixed. Your rate depends on your profile and deposit — verify with the bank.
Worked example
Example: $400,000 Chase mortgage at 6.75% for 30 years.
- Monthly payment: $2,594
- Total interest: $533,981
- Total payable: $933,981
Frequently Asked Questions
What is the Chase mortgage rate?
Chase mortgage rates are around 6.75% p.a. as a 2026 reference. Reference 2026; 30-yr fixed. Your exact rate depends on your profile and deposit.
How is the Chase monthly payment calculated?
Using the reducing-balance formula on the financed amount. Enter your amount, rate and term in the calculator above.
How much deposit do I need?
A larger deposit lowers your rate and total cost. Most lenders also add valuation, legal and registration fees on top of the deposit.
Can I reduce the total cost?
Yes — a bigger deposit, shorter term, and extra/early repayments all cut total interest. Check for any early-repayment charges first.
Chase's Current Mortgage Rates (September 2026)
As of September 16, 2026 (9:31 AM ET), Chase's own rate page advertised a 30-year fixed rate of 6.75% (APR 6.962%) for a representative $350,000 conventional purchase loan in ZIP code 60629 (Chicago, IL), assuming 2.134 discount points were paid at closing. Chase notes this example rate is not guaranteed for every borrower and that actual pricing depends on credit score, down payment, loan amount, and property location.
For context, Freddie Mac's Primary Mortgage Market Survey — the most widely cited national benchmark — put the average 30-year fixed rate at 6.76% for the week ending September 10, 2026, essentially identical to Chase's advertised rate that week.
Worked Example: $350,000 Chase-Rate Loan
Using Chase's advertised 6.75% note rate on a $350,000, 30-year fixed loan: M = P·r·(1+r)n / ((1+r)n − 1), where P = $350,000, r = 0.0675/12 = 0.005625, n = 360.
- (1+r)n = 1.005625360 ≈ 7.5334
- M = 350,000 × 0.005625 × 7.5334 / (7.5334 − 1) ≈ $2,270/month
Over 30 years that totals roughly $817,300 in payments — about $467,300 in interest — before taxes, insurance, or PMI.
Frequently Asked Questions
What was Chase's advertised 30-year mortgage rate in September 2026?
As of September 16, 2026, Chase's rate page listed a 30-year fixed rate of 6.75% (6.962% APR) for a sample $350,000 loan with roughly 2.1 discount points paid — close to the Freddie Mac national average of 6.76% that same week. Your actual quote will differ based on credit score, loan size, down payment, and location.
Does Chase's advertised rate assume I pay points?
Yes — Chase's published example rate typically assumes the borrower pays discount points at closing (around 2.1 points in the September 2026 example) to buy the rate down. A zero-point quote from Chase would generally run higher than the advertised headline rate.
How does Chase's rate compare to the Freddie Mac national average?
In mid-September 2026, Chase's advertised 30-year rate (6.75%) tracked very close to the Freddie Mac PMMS national average (6.76%).