Mortgage calculator

Mortgage on a $450,000 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 ($15,750)

$3,855/mo

$551,807 total interest

PMI included

10% down ($45,000)

$3,653/mo

$514,638 total interest

PMI included

20% down ($90,000)

$3,133/mo

$457,456 total interest

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

Customize your estimate

Home price$450,000

Down payment (20%)

State

Interest rate6.48%

Loan term

Monthly payment

$3,133

P&I · Taxes · Insurance

Total interest

$457,456

Principal & Interest$2,271/mo

Property Tax$675/mo

Homeowners Insurance$188/mo

Income needed (28% DTI)

$135k/yr

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