Mortgage calculator

Mortgage on a $500,000 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 ($17,500)

$4,283/mo

$613,118 total interest

PMI included

10% down ($50,000)

$4,059/mo

$571,820 total interest

PMI included

20% down ($100,000)

$3,481/mo

$508,285 total interest

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

Customize your estimate

Home price$500,000

Down payment (20%)

State

Interest rate6.48%

Loan term

Monthly payment

$3,481

P&I · Taxes · Insurance

Total interest

$508,285

Principal & Interest$2,523/mo

Property Tax$750/mo

Homeowners Insurance$208/mo

Income needed (28% DTI)

$150k/yr

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