Mortgage calculator

Mortgage on a $200,000 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 ($7,000)

$1,713/mo

$245,247 total interest

PMI included

10% down ($20,000)

$1,624/mo

$228,728 total interest

PMI included

20% down ($40,000)

$1,393/mo

$203,314 total interest

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

Customize your estimate

Home price$200,000

Down payment (20%)

State

Interest rate6.48%

Loan term

Monthly payment

$1,393

P&I · Taxes · Insurance

Total interest

$203,314

Principal & Interest$1,009/mo

Property Tax$300/mo

Homeowners Insurance$83/mo

Income needed (28% DTI)

$60k/yr

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