$174,000 Mortgage Loan Payments and Costs

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Loan Summary


Use the mortgage calculator to calculate the cost of buying a $174k 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 174,000 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 $174,000 house.
2% interest
0% down$643.14/mo
5% down$610.98/mo
10% down$578.82/mo
15% down$546.67/mo
20% down$514.51/mo
25% down$482.35/mo
30% down$450.20/mo
35% down$418.04/mo
40% down$385.88/mo
45% down$353.73/mo
50% down$321.57/mo
4% interest
0% down$830.70/mo
5% down$789.17/mo
10% down$747.63/mo
15% down$706.10/mo
20% down$664.56/mo
25% down$623.03/mo
30% down$581.49/mo
35% down$539.96/mo
40% down$498.42/mo
45% down$456.89/mo
50% down$415.35/mo
6% interest
0% down$1,043.22/mo
5% down$991.06/mo
10% down$938.90/mo
15% down$886.74/mo
20% down$834.57/mo
25% down$782.41/mo
30% down$730.25/mo
35% down$678.09/mo
40% down$625.93/mo
45% down$573.77/mo
50% down$521.61/mo
Should I refinance? If your interest rate is higher than the current market rate, consider refinancing.
What's the payment on a 174,000 house with a 20% down payment?
($139,200 loan. 30 year mortgage)
0.25%$401.39
0.50%$416.47
0.75%$431.92
1.00%$447.72
1.25%$463.89
1.50%$480.41
1.75%$497.28
2.00%$514.51
2.25%$532.09
2.50%$550.01
2.75%$568.27
3.00%$586.87
3.25%$605.81
3.50%$625.07
3.75%$644.66
4.00%$664.56
4.25%$684.78
4.50%$705.31
4.75%$726.13
5.00%$747.26
5.25%$768.67
5.50%$790.36
5.75%$812.33
6.00%$834.57
6.25%$857.08
6.50%$879.84
6.75%$902.85
7.00%$926.10
7.25%$949.59
7.50%$973.31
7.75%$997.25
8.00%$1,021.40
8.25%$1,045.76
8.50%$1,070.33
8.75%$1,095.09
9.00%$1,120.03
9.25%$1,145.16
9.50%$1,170.47
9.75%$1,195.94
10.00%$1,221.58
10.25%$1,247.37
10.50%$1,273.32
10.75%$1,299.41
11.00%$1,325.63
11.25%$1,352.00
11.50%$1,378.49
11.75%$1,405.10
12.00%$1,431.83