$145,000 Mortgage Loan Payments and Costs

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Loan Summary


Use the mortgage calculator to calculate the cost of buying a $145k 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 145,000 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 $145,000 house.
2% interest
0% down$535.95/mo
5% down$509.15/mo
10% down$482.35/mo
15% down$455.56/mo
20% down$428.76/mo
25% down$401.96/mo
30% down$375.16/mo
35% down$348.37/mo
40% down$321.57/mo
45% down$294.77/mo
50% down$267.97/mo
4% interest
0% down$692.25/mo
5% down$657.64/mo
10% down$623.03/mo
15% down$588.41/mo
20% down$553.80/mo
25% down$519.19/mo
30% down$484.58/mo
35% down$449.96/mo
40% down$415.35/mo
45% down$380.74/mo
50% down$346.13/mo
6% interest
0% down$869.35/mo
5% down$825.88/mo
10% down$782.41/mo
15% down$738.95/mo
20% down$695.48/mo
25% down$652.01/mo
30% down$608.54/mo
35% down$565.08/mo
40% down$521.61/mo
45% down$478.14/mo
50% down$434.67/mo
Should I refinance? If your interest rate is higher than the current market rate, consider refinancing.
What's the payment on a 145,000 house with a 20% down payment?
($116,000 loan. 30 year mortgage)
0.25%$334.49
0.50%$347.06
0.75%$359.93
1.00%$373.10
1.25%$386.57
1.50%$400.34
1.75%$414.40
2.00%$428.76
2.25%$443.41
2.50%$458.34
2.75%$473.56
3.00%$489.06
3.25%$504.84
3.50%$520.89
3.75%$537.21
4.00%$553.80
4.25%$570.65
4.50%$587.75
4.75%$605.11
5.00%$622.71
5.25%$640.56
5.50%$658.64
5.75%$676.94
6.00%$695.48
6.25%$714.23
6.50%$733.20
6.75%$752.37
7.00%$771.75
7.25%$791.32
7.50%$811.09
7.75%$831.04
8.00%$851.17
8.25%$871.47
8.50%$891.94
8.75%$912.57
9.00%$933.36
9.25%$954.30
9.50%$975.39
9.75%$996.62
10.00%$1,017.98
10.25%$1,039.48
10.50%$1,061.10
10.75%$1,082.84
11.00%$1,104.70
11.25%$1,126.66
11.50%$1,148.74
11.75%$1,170.92
12.00%$1,193.19