$154,000 Mortgage Loan Payments and Costs

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Loan Summary


Use the mortgage calculator to calculate the cost of buying a $154k 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 154,000 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 $154,000 house.
2% interest
0% down$569.21/mo
5% down$540.75/mo
10% down$512.29/mo
15% down$483.83/mo
20% down$455.37/mo
25% down$426.91/mo
30% down$398.45/mo
35% down$369.99/mo
40% down$341.53/mo
45% down$313.07/mo
50% down$284.61/mo
4% interest
0% down$735.22/mo
5% down$698.46/mo
10% down$661.70/mo
15% down$624.94/mo
20% down$588.18/mo
25% down$551.41/mo
30% down$514.65/mo
35% down$477.89/mo
40% down$441.13/mo
45% down$404.37/mo
50% down$367.61/mo
6% interest
0% down$923.31/mo
5% down$877.14/mo
10% down$830.98/mo
15% down$784.81/mo
20% down$738.65/mo
25% down$692.48/mo
30% down$646.32/mo
35% down$600.15/mo
40% down$553.98/mo
45% down$507.82/mo
50% down$461.65/mo
Should I refinance? If your interest rate is higher than the current market rate, consider refinancing.
What's the payment on a 154,000 house with a 20% down payment?
($123,200 loan. 30 year mortgage)
0.25%$355.25
0.50%$368.60
0.75%$382.27
1.00%$396.26
1.25%$410.57
1.50%$425.19
1.75%$440.12
2.00%$455.37
2.25%$470.93
2.50%$486.79
2.75%$502.95
3.00%$519.42
3.25%$536.17
3.50%$553.22
3.75%$570.56
4.00%$588.18
4.25%$606.07
4.50%$624.24
4.75%$642.67
5.00%$661.36
5.25%$680.31
5.50%$699.52
5.75%$718.96
6.00%$738.65
6.25%$758.56
6.50%$778.71
6.75%$799.07
7.00%$819.65
7.25%$840.44
7.50%$861.43
7.75%$882.62
8.00%$904.00
8.25%$925.56
8.50%$947.30
8.75%$969.21
9.00%$991.30
9.25%$1,013.54
9.50%$1,035.93
9.75%$1,058.48
10.00%$1,081.17
10.25%$1,104.00
10.50%$1,126.96
10.75%$1,150.05
11.00%$1,173.26
11.25%$1,196.59
11.50%$1,220.04
11.75%$1,243.59
12.00%$1,267.25