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Mortgage Calculator for a $100,000 Home

Estimate monthly payments, compare rates, and see down payment options for a $100,000 home purchase.

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Estimated Monthly Payment
Principal & Interest
Property Tax
Loan Amount
Total Interest (over loan)

Mortgage Calculator for a $100,000 Home

Buying a $100,000 home? Use the calculator above to estimate your monthly mortgage payment based on your down payment, interest rate, and loan term. Below are pre-calculated payment scenarios.

Monthly Payments by Down Payment

Down PaymentLoan Amount30-Year @ 6.75%15-Year @ 6%
3% ($3,000)$97,000$629/mo$819/mo
5% ($5,000)$95,000$616/mo$802/mo
10% ($10,000)$90,000$584/mo$759/mo
15% ($15,000)$85,000$551/mo$717/mo
20% ($20,000)$80,000$519/mo$675/mo

Payment at Different Interest Rates (20% Down, 30-Year)

Interest RateMonthly Payment (30-Year)Total Interest Paid
5.00%$429$74,605
5.50%$454$83,523
6.00%$480$92,671
6.25%$493$97,327
6.50%$506$102,036
6.75%$519$106,796
7.00%$532$111,607
7.25%$546$116,467
7.50%$559$121,374
8.00%$587$131,324

More Mortgage Calculators

$150,000 Home — ~$778/mo$200,000 Home — ~$1,038/mo$250,000 Home — ~$1,297/mo$300,000 Home — ~$1,557/mo$350,000 Home — ~$1,816/mo$400,000 Home — ~$2,076/mo$450,000 Home — ~$2,335/mo$500,000 Home — ~$2,594/moGeneral Mortgage Calculator

Frequently Asked Questions

What is the monthly mortgage payment for a $100,000 house?
With 20% down ($20,000), a 6.75% rate on a 30-year loan, the estimated monthly principal & interest payment is approximately $519. Add property taxes and insurance for the total payment.
How much down payment do I need for a $100,000 home?
Conventional loans typically require 5-20% down ($5,000 to $20,000). FHA loans may accept as low as 3.5% ($3,500). A larger down payment means lower monthly payments and no PMI requirement at 20%.
What is the total interest paid on a $100,000 mortgage?
With 20% down at 6.75% over 30 years, you would pay approximately $106,796 in total interest. A 15-year term significantly reduces total interest paid.
Should I choose a 15-year or 30-year mortgage for a $100,000 home?
A 15-year mortgage on a $100,000 home has higher monthly payments (~$675) but saves significantly on total interest compared to a 30-year term (~$519/mo). Choose based on your budget and financial goals.
How does interest rate affect my mortgage payment on a $100,000 home?
Each 0.5% rate increase on a $80,000 loan (20% down) adds roughly $27 to your monthly payment. Locking in a lower rate can save tens of thousands over the life of the loan.