2026 5/1 ARM vs. 30-Year Fixed Mortgage Risk & Savings Scenarios
An ARM provides guaranteed lower payments during its initial introductory teaser period. Borrowers expecting to move, upgrade, or refinance within 5 to 7 years can capture tens of thousands of dollars in interest savings.
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Scenario Benchmark Data Table
Total 4 scenario records. Click column headers to sort or search below.
Loan Amount | 30-Yr Fixed (6.75%) | 5/1 ARM Teaser (5.75%) | 5-Year Cumulative Savings |
|---|---|---|---|
| $300,000 | $1,945.79 /mo | $1,750.72 /mo | $11,704 Saved |
| $400,000 | $2,594.39 /mo | $2,334.29 /mo | $15,606 Saved |
| $600,000 | $3,891.59 /mo | $3,501.44 /mo | $23,409 Saved |
| $900,000 | $5,837.38 /mo | $5,252.16 /mo | $35,113 Saved |
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
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