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Financial Annual Percentage Rate Calculator – eFunda – To find the monthly payment for this loan, we can use the loan calculator scenario #1 with $205,000 as the total loan amount (you are not borrowing this much but you will owe this amount when the loan is closed), 7.5% as the interest rate, and 360 as the number of payments (1 payment/month for 30 years). The monthly payment is found to be $1,433.39