Mortgage calculator

Mortgage on a $150,000 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 ($5,250)

$1,285/mo

$183,936 total interest

PMI included

10% down ($15,000)

$1,218/mo

$171,546 total interest

PMI included

20% down ($30,000)

$1,044/mo

$152,485 total interest

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

Customize your estimate

Home price$150,000

Down payment (20%)

State

Interest rate6.48%

Loan term

Monthly payment

$1,044

P&I · Taxes · Insurance

Total interest

$152,485

Principal & Interest$757/mo

Property Tax$225/mo

Homeowners Insurance$63/mo

Income needed (28% DTI)

$45k/yr

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