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ARM Payment Shock Calculator

Estimate your payment after your adjustable-rate mortgage resets.

Loan Information

$

Principal & Interest only (not including escrow)

%
$
%

Find current SOFR rate at NY Fed

%

Found in your loan documents (usually 2-3%)

%

Maximum rate increase per adjustment (typically 2%)

%

Maximum rate increase over life of loan (typically 5-6%)

Fill out the form to calculate your estimated payment

Important Disclaimer

We are not associated with the government or your lender. Your lender may not agree to change your loan. We are not a lender, law firm, or financial advisor. This is educational information and DIY templates only. Nothing on this site constitutes legal, tax, or financial advice.