$138,000 Mortgage Loan Payments and Costs

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Loan Summary


Use the mortgage calculator to calculate the cost of buying a $138k home. Change the numbers to see different options. This calc can be used for car loans, debt, real estate, home purchase, etc.
Can I afford a 138,000 dollar house? It depends. In addition to the mortgage payment, a home also has insurance, maintenance, and taxes. Taxes can vary drastically by area. A very rough estimate is to not spend more than 30% of your income on housing.
How do I get a mortgage? A simple first step is to talk to a local banker and fill out a mortgage application. Then consider other offers, either local or online.
How much of a down payment should I make? Here's a little chart that shows monthly payments based on down payment for a $138,000 house.
2% interest
0% down$510.07/mo
5% down$484.57/mo
10% down$459.07/mo
15% down$433.56/mo
20% down$408.06/mo
25% down$382.56/mo
30% down$357.05/mo
35% down$331.55/mo
40% down$306.04/mo
45% down$280.54/mo
50% down$255.04/mo
4% interest
0% down$658.83/mo
5% down$625.89/mo
10% down$592.95/mo
15% down$560.01/mo
20% down$527.07/mo
25% down$494.12/mo
30% down$461.18/mo
35% down$428.24/mo
40% down$395.30/mo
45% down$362.36/mo
50% down$329.42/mo
6% interest
0% down$827.38/mo
5% down$786.01/mo
10% down$744.64/mo
15% down$703.27/mo
20% down$661.90/mo
25% down$620.53/mo
30% down$579.17/mo
35% down$537.80/mo
40% down$496.43/mo
45% down$455.06/mo
50% down$413.69/mo
Should I refinance? If your interest rate is higher than the current market rate, consider refinancing.
What's the payment on a 138,000 house with a 20% down payment?
($110,400 loan. 30 year mortgage)
0.25%$318.34
0.50%$330.31
0.75%$342.55
1.00%$355.09
1.25%$367.91
1.50%$381.01
1.75%$394.40
2.00%$408.06
2.25%$422.00
2.50%$436.21
2.75%$450.70
3.00%$465.45
3.25%$480.47
3.50%$495.75
3.75%$511.28
4.00%$527.07
4.25%$543.10
4.50%$559.38
4.75%$575.90
5.00%$592.65
5.25%$609.63
5.50%$626.84
5.75%$644.26
6.00%$661.90
6.25%$679.75
6.50%$697.80
6.75%$716.05
7.00%$734.49
7.25%$753.12
7.50%$771.93
7.75%$790.92
8.00%$810.08
8.25%$829.40
8.50%$848.88
8.75%$868.52
9.00%$888.30
9.25%$908.23
9.50%$928.30
9.75%$948.51
10.00%$968.84
10.25%$989.30
10.50%$1,009.87
10.75%$1,030.56
11.00%$1,051.37
11.25%$1,072.27
11.50%$1,093.28
11.75%$1,114.39
12.00%$1,135.59