The short answer: at a 6.5% rate, a $325,000 30-year fixed mortgage costs $2,054.22 a month in principal and interest; at 7%, $2,162.23. On a 15-year term at 6.5% the payment is $2,831.10. Taxes, insurance, HOA and mortgage insurance (if you put less than 20% down) come on top — open this loan in the full calculator to add them and see the complete amortization schedule.
| Rate | 30-year | 20-year | 15-year |
|---|---|---|---|
| 5.00% | $1,744.67 | $2,144.86 | $2,570.08 |
| 5.25% | $1,794.66 | $2,189.99 | $2,612.60 |
| 5.50% | $1,845.31 | $2,235.63 | $2,655.52 |
| 5.75% | $1,896.61 | $2,281.77 | $2,698.83 |
| 6.00% | $1,948.54 | $2,328.40 | $2,742.53 |
| 6.25% | $2,001.08 | $2,375.52 | $2,786.62 |
| 6.50% | $2,054.22 | $2,423.11 | $2,831.10 |
| 6.75% | $2,107.94 | $2,471.18 | $2,875.96 |
| 7.00% | $2,162.23 | $2,519.72 | $2,921.19 |
| 7.25% | $2,217.07 | $2,568.72 | $2,966.80 |
| 7.50% | $2,272.45 | $2,618.18 | $3,012.79 |
At 6.5%, interest alone on $325,000 runs about $1,760.42 per month — roughly $57.88 every day. That's the number amortization slowly kills: each payment shrinks the balance, so each month a little less goes to interest and a little more to principal. See the month-by-month schedule, or try our daily interest calculator for per-diem closing math.
Principal and interest is the floor, not the payment. A realistic budget adds property taxes, homeowners insurance, HOA dues, and — under 20% down — mortgage insurance, which our full calculator prices the way a lender does: FHA and USDA from the official tables, VA's funding fee, and conventional PMI by credit score.
A common guideline caps total housing costs near 28–36% of gross income, but real qualifying depends on your full debt picture, credit and loan program. Build the complete payment in the calculator, then ask a licensed professional — Phil answers questions free.
With 20% down, a $325,000 loan buys about $406,250 of house; with 5% down, about $342,105. Enter your own down payment in the payment calculator and the price, loan and LTV solve automatically.