$176,000 Mortgage Loan Payments and Costs

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Loan Summary


Use the mortgage calculator to calculate the cost of buying a $176k 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 176,000 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 $176,000 house.
2% interest
0% down$650.53/mo
5% down$618.00/mo
10% down$585.48/mo
15% down$552.95/mo
20% down$520.42/mo
25% down$487.90/mo
30% down$455.37/mo
35% down$422.84/mo
40% down$390.32/mo
45% down$357.79/mo
50% down$325.27/mo
4% interest
0% down$840.25/mo
5% down$798.24/mo
10% down$756.23/mo
15% down$714.21/mo
20% down$672.20/mo
25% down$630.19/mo
30% down$588.18/mo
35% down$546.16/mo
40% down$504.15/mo
45% down$462.14/mo
50% down$420.13/mo
6% interest
0% down$1,055.21/mo
5% down$1,002.45/mo
10% down$949.69/mo
15% down$896.93/mo
20% down$844.17/mo
25% down$791.41/mo
30% down$738.65/mo
35% down$685.89/mo
40% down$633.13/mo
45% down$580.36/mo
50% down$527.60/mo
Should I refinance? If your interest rate is higher than the current market rate, consider refinancing.
What's the payment on a 176,000 house with a 20% down payment?
($140,800 loan. 30 year mortgage)
0.25%$406.00
0.50%$421.26
0.75%$436.88
1.00%$452.87
1.25%$469.22
1.50%$485.93
1.75%$503.00
2.00%$520.42
2.25%$538.20
2.50%$556.33
2.75%$574.80
3.00%$593.62
3.25%$612.77
3.50%$632.25
3.75%$652.07
4.00%$672.20
4.25%$692.65
4.50%$713.41
4.75%$734.48
5.00%$755.84
5.25%$777.50
5.50%$799.45
5.75%$821.67
6.00%$844.17
6.25%$866.93
6.50%$889.95
6.75%$913.23
7.00%$936.75
7.25%$960.50
7.50%$984.49
7.75%$1,008.71
8.00%$1,033.14
8.25%$1,057.78
8.50%$1,082.63
8.75%$1,107.67
9.00%$1,132.91
9.25%$1,158.33
9.50%$1,183.92
9.75%$1,209.69
10.00%$1,235.62
10.25%$1,261.71
10.50%$1,287.95
10.75%$1,314.34
11.00%$1,340.87
11.25%$1,367.54
11.50%$1,394.33
11.75%$1,421.25
12.00%$1,448.29