Calculator · both directions
What are you actually paying across everything?
Your blended rate is every balance weighted by size, not the average of the rates. Consolidating almost always lowers the monthly payment. Whether it lowers the cost is a separate question, and it is the one below.
A 24.99% card and a 6.5% mortgage do not average to 15.7%. A $300,000 mortgage at 6.5% and a $12,000 card at 24.99% blend to roughly 7.2%, because the mortgage is twenty-five times larger. The weighted number is the one that tells you whether consolidating is worth the paperwork.
What you owe today
Set a balance to 0 to drop that debt out of the calculation.
First mortgage amortized over 30 years
HELOC interest-only, draw period ends in about a year
Credit card 1 uses your actual minimum payment
Credit card 2 uses your actual minimum payment
Auto loan uses your actual payment
If you folded it all into one loan
Your true blended rate
8.102%
Lower monthly, more total interest
- Total balance
- $413,500
- What you pay now, combined
- $3,628
- Consolidated payment
- $2,614
- Monthly change
- $1,014
- Over a year
- $12,171
- Over the full term
- $37,849 more interest
HELOC has a near-term interest-only or reset risk. The monthly number understates the real issue, which is whether the balloon, recast, or payoff event is survivable. Compare the new payment against that payoff timeline before choosing a structure.
Principal and interest only, and it does not include the closing costs of the new loan, mortgage insurance, or any change in property taxes. Turning unsecured debt into secured debt puts the house behind it — that is a real trade, not a rounding error. Estimates only, not a quote, an offer of credit, or a determination of eligibility.
Enter at least one balance above to see the blended rate.
Where this goes wrong
The term stretch
A card balance paid off in four years, folded into a 30-year mortgage, is now paid off in thirty. The rate falls and the total interest can still rise. The lifetime line above is where that shows up.
Secured versus unsecured
Credit card debt is unsecured. Once it is inside the mortgage, it is attached to the house. Lower payment, higher stakes — worth saying out loud before signing.
Interest-only and HELOCs
A HELOC in its draw period costs interest only, which flatters the current payment. When the draw ends the payment can jump sharply. If a debt above has a near-term reset, the note under the result says so.
The balances come back
Consolidating clears the cards. It does not clear whatever filled them. This math only works once.
About the starting rate. The rate control arrives pre-filled so the tool has something to calculate with. That number is a placeholder — not a quote, not a rate we have offered you, and not an offer of credit. Replace it with the rate you have actually been quoted.
For reference, the 30-year fixed average in the Freddie Mac Primary Mortgage Market Survey, retrieved from FRED (Federal Reserve Bank of St. Louis) (series MORTGAGE30US) was 6.58% for the week ending July 23, 2026, retrieved July 29, 2026. That is a national average across lenders, so no individual borrower was offered it, and it is a note rate rather than an APR — the survey does not publish APRs, and your APR will be higher than any note rate once costs are included. Your own rate depends on your credit profile, loan amount, loan-to-value, occupancy, property type, lock period and program. See the 52-week context.
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Here’s your estimated payment — want Jeff to check if it’s actually the right structure?
A calculator can tell you what a payment costs. It cannot tell you whether the term, the down payment, or the loan type is the right one for how long you plan to hold it. That part is a conversation, and it is usually a short one.
Jeff Shin · NMLS #1041652 · Barrett Financial Group, L.L.C. NMLS #181106