$180,000 Mortgage Loan Payments and Costs

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Loan Summary


Use the mortgage calculator to calculate the cost of buying a $180k 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 180,000 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 $180,000 house.
2% interest
0% down$665.32/mo
5% down$632.05/mo
10% down$598.78/mo
15% down$565.52/mo
20% down$532.25/mo
25% down$498.99/mo
30% down$465.72/mo
35% down$432.45/mo
40% down$399.19/mo
45% down$365.92/mo
50% down$332.66/mo
4% interest
0% down$859.35/mo
5% down$816.38/mo
10% down$773.41/mo
15% down$730.45/mo
20% down$687.48/mo
25% down$644.51/mo
30% down$601.54/mo
35% down$558.58/mo
40% down$515.61/mo
45% down$472.64/mo
50% down$429.67/mo
6% interest
0% down$1,079.19/mo
5% down$1,025.23/mo
10% down$971.27/mo
15% down$917.31/mo
20% down$863.35/mo
25% down$809.39/mo
30% down$755.43/mo
35% down$701.47/mo
40% down$647.51/mo
45% down$593.56/mo
50% down$539.60/mo
Should I refinance? If your interest rate is higher than the current market rate, consider refinancing.
What's the payment on a 180,000 house with a 20% down payment?
($144,000 loan. 30 year mortgage)
0.25%$415.23
0.50%$430.83
0.75%$446.81
1.00%$463.16
1.25%$479.88
1.50%$496.97
1.75%$514.43
2.00%$532.25
2.25%$550.43
2.50%$568.97
2.75%$587.87
3.00%$607.11
3.25%$626.70
3.50%$646.62
3.75%$666.89
4.00%$687.48
4.25%$708.39
4.50%$729.63
4.75%$751.17
5.00%$773.02
5.25%$795.17
5.50%$817.62
5.75%$840.34
6.00%$863.35
6.25%$886.63
6.50%$910.18
6.75%$933.98
7.00%$958.04
7.25%$982.33
7.50%$1,006.87
7.75%$1,031.63
8.00%$1,056.62
8.25%$1,081.82
8.50%$1,107.24
8.75%$1,132.85
9.00%$1,158.66
9.25%$1,184.65
9.50%$1,210.83
9.75%$1,237.18
10.00%$1,263.70
10.25%$1,290.39
10.50%$1,317.22
10.75%$1,344.21
11.00%$1,371.35
11.25%$1,398.62
11.50%$1,426.02
11.75%$1,453.55
12.00%$1,481.20