$3,034/mo
principal & interest, 20% down at 6.5% over 30 years
A $600,000 home with 20% down ($120,000) means a $480,000 mortgage. Here's the monthly principal-and-interest payment across today's rate range:
| Interest rate | Monthly P&I |
|---|---|
| 6.0% | $2,878/mo |
| 6.5% | $3,034/mo |
| 7.0% | $3,193/mo |
| 7.5% | $3,356/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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