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Calculating your conventional loan payment before getting serious with a lender is a smart move. admin. The average interest rate on the 30-year fixed-rate mortgage has been under 3% since early September, according to NerdWallet's daily rate survey. Mortgage calculator How much house can I afford? Enter the loan amount, term, fees and discount points into NerdWallet’s calculator to determine the APR, or annual percentage rate, on a mortgage.APR is a loan-comparison tool that measures all the costs of a mortgage, including the interest paid over the life of the loan, origination fees and points. The NerdWallet Mortgage Calculator is exactly what you need — whether you’re buying, refinancing or developing a down payment savings plan and monthly budget for the future. Using this calculator can help you to determine how much home you can afford . Make all the right money moves with Nerdwallet. Includes taxes, insurance, PMI and the latest mortgage rates. 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