Mortgage calculator

Mortgage on a $100,000 home

Monthly payment estimates at 3.5%, 10%, and 20% down — then customize with your rate, term, and state below.

Quick estimates — 30yr fixed at 6.48% (national avg, TX tax rate)

Payment by down payment

3.5% down ($3,500)

$857/mo

$122,624 total interest

PMI included

10% down ($10,000)

$812/mo

$114,364 total interest

PMI included

20% down ($20,000)

$696/mo

$101,657 total interest

Includes estimated property tax and homeowners insurance. Actual payment varies by state, credit score, and lender.

Customize your estimate

Home price$100,000

Down payment (20%)

State

Interest rate6.48%

Loan term

Monthly payment

$696

P&I · Taxes · Insurance

Total interest

$101,657

Principal & Interest$505/mo

Property Tax$150/mo

Homeowners Insurance$42/mo

Income needed (28% DTI)

$30k/yr

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