$125,000 mortgage payment by rate & term
The table below shows the estimated monthly payment (principal & interest only) for a $125,000 mortgage across common interest rates and loan terms.
| Rate | 15-year | 30-year |
|---|---|---|
| 5.00% | $988 | $671 |
| 5.50% | $1,021 | $710 |
| 6.00% | $1,055 | $749 |
| 6.50% | $1,089 | $790 |
| 7.00% | $1,124 | $832 |
| 7.50% | $1,159 | $874 |
| 8.00% | $1,195 | $917 |
For example, at 6.50% over 30 years, a $125,000 mortgage costs about $790/month.
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- Interest rate: even 0.5% changes the payment noticeably over 30 years.
- Term: 15-year loans have higher payments but far less total interest.
- Down payment: a bigger down payment lowers the financed amount.
Estimates are principal & interest only and exclude taxes, insurance and fees. For educational use, not financial advice.