$326,000 Mortgage Loan Payments and Costs

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Loan Summary


Use the mortgage calculator to calculate the cost of buying a $326k 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 326,000 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 $326,000 house.
2% interest
0% down$1,204.96/mo
5% down$1,144.71/mo
10% down$1,084.46/mo
15% down$1,024.22/mo
20% down$963.97/mo
25% down$903.72/mo
30% down$843.47/mo
35% down$783.22/mo
40% down$722.98/mo
45% down$662.73/mo
50% down$602.48/mo
4% interest
0% down$1,556.37/mo
5% down$1,478.56/mo
10% down$1,400.74/mo
15% down$1,322.92/mo
20% down$1,245.10/mo
25% down$1,167.28/mo
30% down$1,089.46/mo
35% down$1,011.64/mo
40% down$933.82/mo
45% down$856.01/mo
50% down$778.19/mo
6% interest
0% down$1,954.53/mo
5% down$1,856.81/mo
10% down$1,759.08/mo
15% down$1,661.35/mo
20% down$1,563.63/mo
25% down$1,465.90/mo
30% down$1,368.17/mo
35% down$1,270.45/mo
40% down$1,172.72/mo
45% down$1,074.99/mo
50% down$977.27/mo
Should I refinance? If your interest rate is higher than the current market rate, consider refinancing.
What's the payment on a 326,000 house with a 20% down payment?
($260,800 loan. 30 year mortgage)
0.25%$752.03
0.50%$780.29
0.75%$809.22
1.00%$838.84
1.25%$869.12
1.50%$900.07
1.75%$931.69
2.00%$963.97
2.25%$996.90
2.50%$1,030.48
2.75%$1,064.69
3.00%$1,099.54
3.25%$1,135.02
3.50%$1,171.11
3.75%$1,207.81
4.00%$1,245.10
4.25%$1,282.98
4.50%$1,321.44
4.75%$1,360.46
5.00%$1,400.03
5.25%$1,440.15
5.50%$1,480.79
5.75%$1,521.96
6.00%$1,563.63
6.25%$1,605.79
6.50%$1,648.43
6.75%$1,691.54
7.00%$1,735.11
7.25%$1,779.12
7.50%$1,823.55
7.75%$1,868.40
8.00%$1,913.66
8.25%$1,959.30
8.50%$2,005.33
8.75%$2,051.71
9.00%$2,098.46
9.25%$2,145.54
9.50%$2,192.95
9.75%$2,240.67
10.00%$2,288.71
10.25%$2,337.03
10.50%$2,385.64
10.75%$2,434.52
11.00%$2,483.66
11.25%$2,533.05
11.50%$2,582.68
11.75%$2,632.54
12.00%$2,682.62