Loan Consolidation Calculator

Find the equivalent rate when consolidating two mortgages

First Mortgage

$
$
%

Estimated Maturity Date

Dec 2049

300 payments remaining

Second Mortgage / HELOC

$
$
%

Estimated Maturity Date

Dec 2034

120 payments remaining

Total Debt

$250,000

Combined Payment

$1,650

Weighted Avg Rate

7.0%

Annual Interest

$17,500

Consolidation Options

Term Equivalent Rate New Payment Payment Change Total Interest

💡 How to use: The "Equivalent Rate" shows what interest rate you'd need on a consolidated loan to maintain the same monthly payment as your current combined payments. Rows highlighted in green indicate options where you'd pay less in total interest over the life of the loan.