$1,264/mo
principal & interest, 20% down at 6.5% over 30 years
A $250,000 home with 20% down ($50,000) means a $200,000 mortgage. Here's the monthly principal-and-interest payment across today's rate range:
| Interest rate | Monthly P&I |
|---|---|
| 6.0% | $1,199/mo |
| 6.5% | $1,264/mo |
| 7.0% | $1,331/mo |
| 7.5% | $1,398/mo |
This is principal and interest only. Property taxes, homeowners insurance, PMI (if you put down less than 20%), and HOA dues add to the real monthly cost — often several hundred dollars more.
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