A $100,000 fixed-rate mortgage at 9% APR paid over 20 years costs $899.73 per month. Over the life of the loan you would pay $115,934 in interest — 116% of the amount borrowed.
The 9% rate on this page is 2.57 points above this week's national average of 6.43% for a 30-year fixed mortgage (Freddie Mac PMMS, July 2, 2026).
| Period | Principal paid | Interest paid | Balance |
|---|
| Scenario | Monthly | Total interest |
|---|---|---|
| $100,000 at 4% (20yr) | $605.98 | $45,435 |
| $100,000 at 4.25% (20yr) | $619.23 | $48,616 |
| $100,000 at 4.5% (20yr) | $632.65 | $51,836 |
| $100,000 at 4.75% (20yr) | $646.22 | $55,094 |
| $100,000 at 5% (20yr) | $659.96 | $58,389 |
| $100,000 at 5.25% (20yr) | $673.84 | $61,723 |
| $100,000 at 5.5% (20yr) | $687.89 | $65,093 |
| $100,000 at 5.75% (20yr) | $702.08 | $68,500 |
| $100,000 at 6% (20yr) | $716.43 | $71,943 |
| $100,000 at 6.25% (20yr) | $730.93 | $75,423 |
| $100,000 at 6.5% (20yr) | $745.57 | $78,938 |
| $100,000 at 6.75% (20yr) | $760.36 | $82,487 |
| $100,000 at 7% (20yr) | $775.30 | $86,072 |
| $100,000 at 7.25% (20yr) | $790.38 | $89,690 |
| $100,000 at 7.5% (20yr) | $805.59 | $93,342 |
| $100,000 at 7.75% (20yr) | $820.95 | $97,028 |
| $100,000 at 8% (20yr) | $836.44 | $100,746 |
| $100,000 at 8.5% (20yr) | $867.82 | $108,278 |
| $100,000 at 9% (20yr) ← this page | $899.73 | $115,934 |