Have a look in Help for RATE
But remember if you pay monthly then you must enter the number of payment
(NPER) as years*12
That PV (the amount of the loan) is a positive value (it went INTO your
pocket - momentarily)
while PMT is a negative value (it comes OUT of your pocket monthly)
And the rate will be monthly; multiply by 12 to get annual
OR Google for: template mortgage excel
best wishes