$125,000 mortgage payment by interest rate
| Rate | 30 years | 20 years | 15 years |
|---|---|---|---|
| 5% | $671 | $825 | $988 |
| 5.5% | $710 | $860 | $1,021 |
| 6% | $749 | $896 | $1,055 |
| 6.5% | $790 | $932 | $1,089 |
| 7% | $832 | $969 | $1,124 |
| 7.5% | $874 | $1,007 | $1,159 |
| 8% | $917 | $1,046 | $1,195 |
Monthly principal and interest only.
Total interest on a $125,000 mortgage
| Rate | 30 years | 15 years |
|---|---|---|
| 5% | $116,570 | $52,929 |
| 5.5% | $130,505 | $58,844 |
| 6% | $144,798 | $64,868 |
| 6.5% | $159,431 | $70,999 |
| 7% | $174,386 | $77,236 |
| 7.5% | $189,647 | $83,578 |
| 8% | $205,194 | $90,022 |
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Frequently asked questions
What is the monthly payment on a $125,000 mortgage?
At 6.5% for 30 years, a $125,000 mortgage costs $790.09 a month in principal and interest. On a 15-year term at the same rate it's $1,088.88. Property tax, insurance and any PMI are extra.
How much income do I need for a $125,000 mortgage?
Using the common 28% rule and allowing about $208 a month for property tax and insurance, you'd need a household income of roughly $42,789 a year at 6.5% for 30 years.
How much interest will I pay on a $125,000 mortgage?
Over 30 years at 6.5%, total interest is about $159,431. A 15-year loan at the same rate costs about $70,999, much less, but with higher monthly payments.
Other loan amounts
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Estimates for general information only, not financial advice. See how we calculate.