$178,000 Mortgage Loan Payments and Costs

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Loan Summary


Use the mortgage calculator to calculate the cost of buying a $178k 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 178,000 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 $178,000 house.
2% interest
0% down$657.92/mo
5% down$625.03/mo
10% down$592.13/mo
15% down$559.23/mo
20% down$526.34/mo
25% down$493.44/mo
30% down$460.55/mo
35% down$427.65/mo
40% down$394.75/mo
45% down$361.86/mo
50% down$328.96/mo
4% interest
0% down$849.80/mo
5% down$807.31/mo
10% down$764.82/mo
15% down$722.33/mo
20% down$679.84/mo
25% down$637.35/mo
30% down$594.86/mo
35% down$552.37/mo
40% down$509.88/mo
45% down$467.39/mo
50% down$424.90/mo
6% interest
0% down$1,067.20/mo
5% down$1,013.84/mo
10% down$960.48/mo
15% down$907.12/mo
20% down$853.76/mo
25% down$800.40/mo
30% down$747.04/mo
35% down$693.68/mo
40% down$640.32/mo
45% down$586.96/mo
50% down$533.60/mo
Should I refinance? If your interest rate is higher than the current market rate, consider refinancing.
What's the payment on a 178,000 house with a 20% down payment?
($142,400 loan. 30 year mortgage)
0.25%$410.62
0.50%$426.05
0.75%$441.85
1.00%$458.01
1.25%$474.55
1.50%$491.45
1.75%$508.71
2.00%$526.34
2.25%$544.32
2.50%$562.65
2.75%$581.34
3.00%$600.36
3.25%$619.73
3.50%$639.44
3.75%$659.48
4.00%$679.84
4.25%$700.52
4.50%$721.52
4.75%$742.83
5.00%$764.43
5.25%$786.34
5.50%$808.53
5.75%$831.01
6.00%$853.76
6.25%$876.78
6.50%$900.06
6.75%$923.60
7.00%$947.39
7.25%$971.42
7.50%$995.68
7.75%$1,020.17
8.00%$1,044.88
8.25%$1,069.80
8.50%$1,094.93
8.75%$1,120.26
9.00%$1,145.78
9.25%$1,171.49
9.50%$1,197.38
9.75%$1,223.44
10.00%$1,249.66
10.25%$1,276.05
10.50%$1,302.59
10.75%$1,329.28
11.00%$1,356.11
11.25%$1,383.08
11.50%$1,410.18
11.75%$1,437.40
12.00%$1,464.74