APR for ARM Calculator

APR for an ARM

Estimate the annual percentage rate of an adjustable-rate mortgage accounting for fees and a post-reset rate.

Loan amount ($)

Initial rate (%)

Initial period (years)

Post-reset rate (%)

Total term (years)

Fees / closing costs ($)

Effective APR

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Initial payment

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Post-reset payment

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Total cost of loan

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APR is solved iteratively: the single rate that equates the fee-adjusted loan to the scheduled payment stream over the full term.