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PDF 365/360 US Rule Mortgage Amortization – "365/360 US Rule Methodology" to calculate interest is to recalculate the monthly payment using the effective interest rate instead of the nominal rate. This results in a higher periodic payment which fully satisfies the loan balance

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365/360 Loan Calculator – dinkytown.net – Interest is calculated monthly at 1/365th of the annual rate times the number of days in the month on the current outstanding balance of your loan. If you have a loan with a payment frequency of quarterly, semi-annually or annually interest will accrue monthly increasing your principal balance until the next regular payment is received.