Mortgage calculator

Mortgage on a $400,000 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 ($14,000)

$3,427/mo

$490,495 total interest

PMI included

10% down ($40,000)

$3,247/mo

$457,456 total interest

PMI included

20% down ($80,000)

$2,785/mo

$406,628 total interest

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

Customize your estimate

Home price$400,000

Down payment (20%)

State

Interest rate6.48%

Loan term

Monthly payment

$2,785

P&I · Taxes · Insurance

Total interest

$406,628

Principal & Interest$2,018/mo

Property Tax$600/mo

Homeowners Insurance$167/mo

Income needed (28% DTI)

$120k/yr

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