Mortgage payment per $100,000
See the estimated monthly principal-and-interest payment for every $100,000 borrowed at common fixed note rates and terms.
Monthly payment table
Each figure uses a $100,000 loan, one payment each month, and a level fixed note rate. It is principal and interest only—not APR, a quote, or a loan offer.
| Fixed note rate | 15-year fixed | 20-year fixed | 30-year fixed |
|---|---|---|---|
| 5% | $790.79 | $659.96 | $536.82 |
| 5.5% | $817.08 | $687.89 | $567.79 |
| 6% | $843.86 | $716.43 | $599.55 |
| 6.5% | $871.11 | $745.57 | $632.07 |
| 7% | $898.83 | $775.30 | $665.30 |
| 7.5% | $927.01 | $805.59 | $699.21 |
| 8% | $955.65 | $836.44 | $733.76 |
Taxes, homeowners insurance, mortgage insurance, HOA dues, points, closing costs, lender fees, and lender-specific pricing are excluded.
How to use the table
Multiply a table figure by your loan amount divided by 100,000. For example, a $400,000 loan uses four times the listed payment. This is a mathematical scaling rule for principal and interest; it is not a qualification or affordability result.
Use the full mortgage calculator when you want to add a down payment, estimated taxes, insurance, mortgage insurance, or HOA dues.
Estimate a complete housing paymentWorked example
$100,000 loan 30-year fixed term 6.5% note rate
- Estimated monthly principal and interest
- $632.07
- Payment per $400,000 borrowed at the same assumptions
- $2,528.27
Illustration only—not a lender quote, APR, or available offer.
Assumptions and limitations
The table uses the documented fixed-rate amortization formula and unrounded engine calculations before display rounding. Actual payment, APR, and cash required can differ because of loan product, credit, property, geography, points, costs, escrow, and lender terms.
Read the payment methodologyReview formulas and primary sources Read the corrections policy
Payment-per-$100,000 questions
Does this include property tax and insurance?
No. The table is principal and interest only. Taxes and insurance depend on the property, location, insurer, and other facts.
Is the note rate the same as APR?
No. APR may reflect certain borrowing costs in addition to the note rate.
Can I use this to know what I qualify for?
No. Qualification depends on factors this table does not evaluate, including income, debts, credit, loan program, property, and lender underwriting.