$492,000 Mortgage Loan Payments and Costs

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Loan Summary


Use the mortgage calculator to calculate the cost of buying a $492k 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 492,000 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 $492,000 house.
2% interest
0% down$1,818.53/mo
5% down$1,727.60/mo
10% down$1,636.68/mo
15% down$1,545.75/mo
20% down$1,454.82/mo
25% down$1,363.90/mo
30% down$1,272.97/mo
35% down$1,182.04/mo
40% down$1,091.12/mo
45% down$1,000.19/mo
50% down$909.26/mo
4% interest
0% down$2,348.88/mo
5% down$2,231.44/mo
10% down$2,113.99/mo
15% down$1,996.55/mo
20% down$1,879.11/mo
25% down$1,761.66/mo
30% down$1,644.22/mo
35% down$1,526.77/mo
40% down$1,409.33/mo
45% down$1,291.89/mo
50% down$1,174.44/mo
6% interest
0% down$2,949.79/mo
5% down$2,802.30/mo
10% down$2,654.81/mo
15% down$2,507.32/mo
20% down$2,359.83/mo
25% down$2,212.34/mo
30% down$2,064.85/mo
35% down$1,917.36/mo
40% down$1,769.87/mo
45% down$1,622.38/mo
50% down$1,474.89/mo
Should I refinance? If your interest rate is higher than the current market rate, consider refinancing.
What's the payment on a 492,000 house with a 20% down payment?
($393,600 loan. 30 year mortgage)
0.25%$1,134.96
0.50%$1,177.61
0.75%$1,221.28
1.00%$1,265.97
1.25%$1,311.68
1.50%$1,358.39
1.75%$1,406.11
2.00%$1,454.82
2.25%$1,504.52
2.50%$1,555.20
2.75%$1,606.84
3.00%$1,659.43
3.25%$1,712.97
3.50%$1,767.44
3.75%$1,822.82
4.00%$1,879.11
4.25%$1,936.28
4.50%$1,994.31
4.75%$2,053.20
5.00%$2,112.93
5.25%$2,173.47
5.50%$2,234.82
5.75%$2,296.94
6.00%$2,359.83
6.25%$2,423.46
6.50%$2,487.82
6.75%$2,552.88
7.00%$2,618.63
7.25%$2,685.05
7.50%$2,752.11
7.75%$2,819.80
8.00%$2,888.10
8.25%$2,956.99
8.50%$3,026.44
8.75%$3,096.45
9.00%$3,166.99
9.25%$3,238.05
9.50%$3,309.60
9.75%$3,381.63
10.00%$3,454.12
10.25%$3,527.05
10.50%$3,600.41
10.75%$3,674.18
11.00%$3,748.34
11.25%$3,822.88
11.50%$3,897.79
11.75%$3,973.04
12.00%$4,048.62