$425,000 mortgage payment by rate & term
The table below shows the estimated monthly payment (principal & interest only) for a $425,000 mortgage across common interest rates and loan terms.
| Rate | 15-year | 30-year |
|---|---|---|
| 5.00% | $3,361 | $2,281 |
| 5.50% | $3,473 | $2,413 |
| 6.00% | $3,586 | $2,548 |
| 6.50% | $3,702 | $2,686 |
| 7.00% | $3,820 | $2,828 |
| 7.50% | $3,940 | $2,972 |
| 8.00% | $4,062 | $3,118 |
For example, at 6.50% over 30 years, a $425,000 mortgage costs about $2,686/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.