{"id":43406,"date":"2020-09-15T15:03:16","date_gmt":"2020-09-15T23:03:16","guid":{"rendered":"https:\/\/www.credible.com\/blog\/?p=43406"},"modified":"2023-10-10T20:01:57","modified_gmt":"2023-10-11T03:01:57","slug":"how-much-a-150000-mortgage-will-cost-you","status":"publish","type":"post","link":"https:\/\/www.credible.com\/blog\/mortgages\/150000-mortgage\/","title":{"rendered":"How Much a $150,000 Mortgage Will Cost You"},"content":{"rendered":"<p>When you take out a mortgage, you\u2019ll pay your balance off month by month for the life of the loan \u2014 often 15 or 30 years for many homebuyers. But mortgage loans also come with additional costs, with interest being the biggest one.<\/p>\n<p><b>If you\u2019re applying for a $150,000 mortgage, here\u2019s how much that loan should cost you each month with interest:<\/b><\/p>\n<ul>\n<li><a href=\"#monthly-payments-150000-mortgage\">Monthly payments for a $150,000 mortgage<\/a><\/li>\n<li><a href=\"#where-to-get-150000-mortgage\">Where to get a $150,000 mortgage<\/a><\/li>\n<li><a href=\"#what-to-consider-before-applying\">What to consider before applying for a $150,000 mortgage<\/a><\/li>\n<li><a href=\"#how-to-get-150000-mortgage\">How to get a $150,000 mortgage<\/a><\/li>\n<\/ul>\n<p><a name=\"monthly-payments-150000-mortgage\"><\/a><\/p>\n<h2>Monthly payments for a $150,000 mortgage<\/h2>\n<p>Your <a href=\"https:\/\/www.credible.com\/mortgage\">mortgage<\/a> payment will include a few line items, including principal, interest, and \u2014 sometimes, escrow costs.<\/p>\n<p>Here\u2019s what those entail:<\/p>\n<ul>\n<li><b>Principal: <\/b>This money is applied straight to your loan balance.<\/li>\n<li><b>Interest: <\/b>This one is the cost of borrowing the money. How much you\u2019ll pay is indicated by your interest rate.<\/li>\n<li><b>Escrow costs<\/b>: Sometimes, your lender might require you to use an <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/what-is-escrow\/\">escrow account<\/a> to cover property taxes, homeowners insurance, and mortgage insurance. When this is the case, you\u2019ll pay money into your escrow account monthly, too.<\/li>\n<\/ul>\n<p>See what your estimated monthly payment will be using our mortgage payment calculator below.<\/p>\n<p>For a $150,000, 30-year mortgage with a 6% rate, your basic monthly payment \u2014 meaning just principal and interest \u2014 should come to $899.33. If you have an escrow account, the costs would be higher and depend on your insurance premiums, your local property tax rates, and more.<\/p>\n<p><b>Here\u2019s an in-depth look at what your typical monthly principal and interest payments would look like for that same $150,000 mortgage:<\/b><\/p>\n\n<table id=\"tablepress-365\" class=\"tablepress tablepress-id-365 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Interest rate<\/th><th class=\"column-2\">Monthly payment (15 year)<\/th><th class=\"column-3\">Monthly payment (30 year)<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">6%<\/td><td class=\"column-2\">$1,265.79<\/td><td class=\"column-3\">$899.33<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">6.25%<\/td><td class=\"column-2\">$1,286.13<\/td><td class=\"column-3\">$923.58<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">6.5%<\/td><td class=\"column-2\">$1,306.66<\/td><td class=\"column-3\">$948.10<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">6.75%<\/td><td class=\"column-2\">$1,327.36<\/td><td class=\"column-3\">$972.90<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">7%<\/td><td class=\"column-2\">$1,348.24<\/td><td class=\"column-3\">$997.95<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">7.25%<\/td><td class=\"column-2\">$1,369.29<\/td><td class=\"column-3\">$1,023.26<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">7.5%<\/td><td class=\"column-2\">$1,390.52<\/td><td class=\"column-3\">$1,048.82<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">7.75%<\/td><td class=\"column-2\">$1,411.91<\/td><td class=\"column-3\">$1,074.62<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\">8%<\/td><td class=\"column-2\">$1,433.48<\/td><td class=\"column-3\">$1,100.65<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><b><i>Find Out: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-long-it-takes-to-buy\/\"><b><i>How Long It Takes to Buy a House<\/i><\/b><\/a><b><i> <\/i><\/b><\/p>\n<p><a name=\"where-to-get-150000-mortgage\"><\/a><\/p>\n<h2>Where to get a $150,000 mortgage<\/h2>\n<p>Traditionally, getting a mortgage loan would mean researching lenders, applying at three to five, and then completing the loan applications for each one. You\u2019d then receive loan estimates from each that breaks down your expected interest rate, loan costs, <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/origination-fees\/\">origination fees<\/a>, any <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/mortgage-points\/\">mortgage points<\/a>, and closing costs. From there, you could then choose your best offer and move forward with the loan process.<\/p>\n<p>Fortunately, with Credible, there\u2019s a more streamlined way to shop for a mortgage. Simply fill out a short form, and you can compare loan options from all of our partners in the table below at once.<\/p>\n<div id=\"purchase-rate-table\">\n  Loading widget - purchase-rate-table\n<\/div>\n\n<p><a name=\"what-to-consider-before-applying\"><\/a><\/p>\n<h2>What to consider before applying for a $150,000 mortgage<\/h2>\n<p>Before you apply for any mortgage loan, you\u2019ll want to assess its total costs \u2014 including the upfront ones, like your down payment and closing costs, as well as the longer-term ones (particularly interest).<\/p>\n<h3>Total interest paid on a $150,000 mortgage<\/h3>\n<p>Longer-term loans will always come with more interest costs than loans with shorter lifespans. For example, a 15-year, $150,000 mortgage with a 6% fixed rate would mean spending $77,841.34 over the course of the loan. A 30-year mortgage with the same terms, however, would cost $173,757.28 in interest \u2014 nearly $96,000 more once all is said and done.<br \/>\n<div class=\"calculator loan\">\n<div class=\"inputs container\">\n\n\t<p>Enter your loan information<span class=\"hidden-md-up\"> to calculate how much you could pay<\/span><\/p>\n\n  <div class=\"row form-groups\">\n  <div class=\"col-xs-8 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-amount\">Loan amount<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the total amount borrowed<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-amount\">\n  \t\t\t<span class=\"input-group-addon\">$<\/span>\n  \t\t\t<input type=\"number\" value=\"250000\" step=\"1000\" name=\"loan-amount\" id=\"loan-amount\" aria-label=\"Loan amount\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t<\/span>\n    <\/div>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"interest-rate\">Interest rate<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter your annual interest rate<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group interest-rate\">\n  \t\t\t<input type=\"number\" value=\"6\" step=\".01\" min=\".01\" max=\"100\" name=\"interest-rate\" id=\"interest-rate\" aria-label=\"Interest rate\" class=\"form-control\">\n  \t\t\t<span class=\"input-group-addon\">%<\/span>\n  \t\t<\/span>\n    <\/div>\n\t\t<span class=\"between\">or<\/span>\n  <\/div>\n  <div class=\"col-xs-6 col-lg\">\n    <div class=\"form-group\">\n  \t\t<label for=\"loan-term\">Fixed loan term<\/label>\n  \t\t<span class=\"badge badge-pill\" data-toggle=\"tip\" data-placement=\"top left\">\n  \t\t\t?\t<span class=\"tip \">\n\t\t<span class=\"tip-content\">Enter the amount of time you have to repay your loan<\/span>\n\t\t<span class=\"tip-arrow\"><\/span>\n\t<\/span>\n\t  \t\t<\/span>\n  \t\t<span class=\"input-group loan-term\">\n  \t\t\t<input name=\"loan-term\" value=\"30\" step=\"1\" min=\"1\" max=\"50\" id=\"loan-term\" aria-label=\"Loan term\" type=\"number\" class=\"form-control\" inputmode=\"numeric\" pattern=\"[0-9]*\">\n  \t\t\t<span class=\"input-group-addon\">years<\/span>\n  \t\t<\/span>\n    <\/div>\n\t<\/div>\n\t<\/div>\n\n<\/div>\n<div class=\"outputs container\">\n\n  <div class=\"results row\">\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Payment\n  \t<big>$<span class=\"total-payment\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-6 col-sm-4 col-md-6 col-lg-4\">\n  \tTotal Interest\n  \t<big>$<span class=\"total-interest\"><\/span><\/big>\n  <\/div>\n  <div class=\"col-xs-12 col-sm-4 col-md-12 col-lg-4\">\n  \tMonthly Payment\n  \t<big>$<span class=\"monthly-payment\"><\/span><\/big>\n  <\/div>\n  <\/div>\n\n  <p class=\"results-sentence\">\n    With a\n    <strong>$<span class=\"output-loan-amount\"><\/span><\/strong>\n    home    loan, you will pay\n    <strong>$<span class=\"monthly-payment\"><\/span><\/strong>\n    monthly and a total of\n    <strong>$<span class=\"total-interest\"><\/span><\/strong>\n    in interest over the life of your loan. You will pay a total of\n    <strong>$<span class=\"total-payment\"><\/span><\/strong>\n    over the life of the\n    mortgage.\n  <\/p>\n\n  \n  <div class=\"cta\">\n    \n  <\/div>\n\n<\/div>\n<\/div>\n\n<h3>Amortization schedule on a $150,000 mortgage<\/h3>\n<p>A <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/mortgage-amortization\/\">mortgage amortization<\/a> schedule helps ensure your mortgage will be paid in full when you make your last scheduled payment. When you begin paying off your loan, most of your payment will go toward interest. But as years pass, more of your payment will be applied to the principal.<\/p>\n<p><b>Here\u2019s what that looks like for a 30-year, $150,000 mortgage with a 6% fixed rate:<\/b><\/p>\n\n<table id=\"tablepress-363\" class=\"tablepress tablepress-id-363 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Year<\/th><th class=\"column-2\">Beginning balance<\/th><th class=\"column-3\">Monthly payment<\/th><th class=\"column-4\">Total interest paid to date<\/th><th class=\"column-5\">Total principal paid to date<\/th><th class=\"column-6\">Remaining balance<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">1<\/td><td class=\"column-2\">$150,000.00<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$8,949.89<\/td><td class=\"column-5\">$1,842.02<\/td><td class=\"column-6\">$148,157.98<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">2<\/td><td class=\"column-2\">$148,157.98<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$8,836.28<\/td><td class=\"column-5\">$1,955.63<\/td><td class=\"column-6\">$146,202.35<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">3<\/td><td class=\"column-2\">$146,202.35<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$8,715.66<\/td><td class=\"column-5\">$2,076.25<\/td><td class=\"column-6\">$144,126.11<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">4<\/td><td class=\"column-2\">$144,126.11<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$8,587.60<\/td><td class=\"column-5\">$2,204.31<\/td><td class=\"column-6\">$141,921.80<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">5<\/td><td class=\"column-2\">$141,921.80<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$8,451.65<\/td><td class=\"column-5\">$2,340.26<\/td><td class=\"column-6\">$139,581.54<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">6<\/td><td class=\"column-2\">$139,581.54<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$8,307.30<\/td><td class=\"column-5\">$2,484.61<\/td><td class=\"column-6\">$137,096.93<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">7<\/td><td class=\"column-2\">$137,096.93<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$8,154.06<\/td><td class=\"column-5\">$2,637.85<\/td><td class=\"column-6\">$134,459.08<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">8<\/td><td class=\"column-2\">$134,459.08<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$7,991.36<\/td><td class=\"column-5\">$2,800.55<\/td><td class=\"column-6\">$131,658.53<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\">9<\/td><td class=\"column-2\">$131,658.53<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$7,818.63<\/td><td class=\"column-5\">$2,973.28<\/td><td class=\"column-6\">$128,685.25<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\">10<\/td><td class=\"column-2\">$128,685.25<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$7,635.24<\/td><td class=\"column-5\">$3,156.66<\/td><td class=\"column-6\">$125,528.59<\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\">11<\/td><td class=\"column-2\">$125,528.59<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$7,440.55<\/td><td class=\"column-5\">$3,351.36<\/td><td class=\"column-6\">$122,177.23<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td class=\"column-1\">12<\/td><td class=\"column-2\">$122,177.23<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$7,233.84<\/td><td class=\"column-5\">$3,558.07<\/td><td class=\"column-6\">$118,619.16<\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\">13<\/td><td class=\"column-2\">$118,619.16<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$7,014.39<\/td><td class=\"column-5\">$3,777.52<\/td><td class=\"column-6\">$114,841.64<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td class=\"column-1\">14<\/td><td class=\"column-2\">$114,841.64<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$6,781.40<\/td><td class=\"column-5\">$4,010.51<\/td><td class=\"column-6\">$110,831.13<\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td class=\"column-1\">15<\/td><td class=\"column-2\">$110,831.13<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$6,534.04<\/td><td class=\"column-5\">$4,257.87<\/td><td class=\"column-6\">$106,573.27<\/td>\n<\/tr>\n<tr class=\"row-17\">\n\t<td class=\"column-1\">16<\/td><td class=\"column-2\">$106,573.27<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$6,271.43<\/td><td class=\"column-5\">$4,520.48<\/td><td class=\"column-6\">$102,052.78<\/td>\n<\/tr>\n<tr class=\"row-18\">\n\t<td class=\"column-1\">17<\/td><td class=\"column-2\">$102,052.78<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$5,992.61<\/td><td class=\"column-5\">$4,799.30<\/td><td class=\"column-6\">$97,253.49<\/td>\n<\/tr>\n<tr class=\"row-19\">\n\t<td class=\"column-1\">18<\/td><td class=\"column-2\">$97,253.49<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$5,696.60<\/td><td class=\"column-5\">$5,095.31<\/td><td class=\"column-6\">$92,158.18<\/td>\n<\/tr>\n<tr class=\"row-20\">\n\t<td class=\"column-1\">19<\/td><td class=\"column-2\">$92,158.18<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$5,382.33<\/td><td class=\"column-5\">$5,409.57<\/td><td class=\"column-6\">$86,748.60<\/td>\n<\/tr>\n<tr class=\"row-21\">\n\t<td class=\"column-1\">20<\/td><td class=\"column-2\">$86,748.60<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$5,048.68<\/td><td class=\"column-5\">$5,743.23<\/td><td class=\"column-6\">$81,005.38<\/td>\n<\/tr>\n<tr class=\"row-22\">\n\t<td class=\"column-1\">21<\/td><td class=\"column-2\">$81,005.38<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$4,694.45<\/td><td class=\"column-5\">$6,097.45<\/td><td class=\"column-6\">$74,907.92<\/td>\n<\/tr>\n<tr class=\"row-23\">\n\t<td class=\"column-1\">22<\/td><td class=\"column-2\">$74,907.92<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$4,318.38<\/td><td class=\"column-5\">$6,473.53<\/td><td class=\"column-6\">$68,434.39<\/td>\n<\/tr>\n<tr class=\"row-24\">\n\t<td class=\"column-1\">23<\/td><td class=\"column-2\">$68,434.39<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$3,919.10<\/td><td class=\"column-5\">$6,872.81<\/td><td class=\"column-6\">$61,561.59<\/td>\n<\/tr>\n<tr class=\"row-25\">\n\t<td class=\"column-1\">24<\/td><td class=\"column-2\">$61,561.59<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$3,495.20<\/td><td class=\"column-5\">$7,296.71<\/td><td class=\"column-6\">$54,264.88<\/td>\n<\/tr>\n<tr class=\"row-26\">\n\t<td class=\"column-1\">25<\/td><td class=\"column-2\">$54,264.88<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$3,045.16<\/td><td class=\"column-5\">$7,746.75<\/td><td class=\"column-6\">$46,518.13<\/td>\n<\/tr>\n<tr class=\"row-27\">\n\t<td class=\"column-1\">26<\/td><td class=\"column-2\">$46,518.13<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$2,567.36<\/td><td class=\"column-5\">$8,224.55<\/td><td class=\"column-6\">$38,293.58<\/td>\n<\/tr>\n<tr class=\"row-28\">\n\t<td class=\"column-1\">27<\/td><td class=\"column-2\">$38,293.58<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$2,060.08<\/td><td class=\"column-5\">$8,731.83<\/td><td class=\"column-6\">$29,561.75<\/td>\n<\/tr>\n<tr class=\"row-29\">\n\t<td class=\"column-1\">28<\/td><td class=\"column-2\">$29,561.75<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$1,521.52<\/td><td class=\"column-5\">$9,270.39<\/td><td class=\"column-6\">$20,291.37<\/td>\n<\/tr>\n<tr class=\"row-30\">\n\t<td class=\"column-1\">29<\/td><td class=\"column-2\">$20,291.37<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$949.75<\/td><td class=\"column-5\">$9,842.16<\/td><td class=\"column-6\">$10,449.21<\/td>\n<\/tr>\n<tr class=\"row-31\">\n\t<td class=\"column-1\">30<\/td><td class=\"column-2\">$10,449.21<\/td><td class=\"column-3\">$899.33<\/td><td class=\"column-4\">$342.70<\/td><td class=\"column-5\">$10,449.21<\/td><td class=\"column-6\">$0.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><b>And here\u2019s the amortization schedule on a 15-year, $150,000 mortgage with a 6% fixed rate:<\/b><\/p>\n\n<table id=\"tablepress-364\" class=\"tablepress tablepress-id-364 table table-border-top table-rounded table-no-img-margin table-capitalized-column-titles\">\n<thead>\n<tr class=\"row-1\">\n\t<th class=\"column-1\">Year<\/th><th class=\"column-2\">Beginning balance<\/th><th class=\"column-3\">Monthly payment<\/th><th class=\"column-4\">Total interest paid to date<\/th><th class=\"column-5\">Total principal paid to date<\/th><th class=\"column-6\">Remaining balance<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-striping row-hover\">\n<tr class=\"row-2\">\n\t<td class=\"column-1\">1<\/td><td class=\"column-2\">$150,000.00<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$8,826.92<\/td><td class=\"column-5\">$6,362.50<\/td><td class=\"column-6\">$143,637.50<\/td>\n<\/tr>\n<tr class=\"row-3\">\n\t<td class=\"column-1\">2<\/td><td class=\"column-2\">$143,637.50<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$8,434.50<\/td><td class=\"column-5\">$6,754.93<\/td><td class=\"column-6\">$136,882.57<\/td>\n<\/tr>\n<tr class=\"row-4\">\n\t<td class=\"column-1\">3<\/td><td class=\"column-2\">$136,882.57<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$8,017.87<\/td><td class=\"column-5\">$7,171.56<\/td><td class=\"column-6\">$129,711.02<\/td>\n<\/tr>\n<tr class=\"row-5\">\n\t<td class=\"column-1\">4<\/td><td class=\"column-2\">$129,711.02<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$7,575.54<\/td><td class=\"column-5\">$7,613.88<\/td><td class=\"column-6\">$122,097.14<\/td>\n<\/tr>\n<tr class=\"row-6\">\n\t<td class=\"column-1\">5<\/td><td class=\"column-2\">$122,097.14<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$7,105.93<\/td><td class=\"column-5\">$8,083.49<\/td><td class=\"column-6\">$114,013.65<\/td>\n<\/tr>\n<tr class=\"row-7\">\n\t<td class=\"column-1\">6<\/td><td class=\"column-2\">$114,013.65<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$6,607.36<\/td><td class=\"column-5\">$8,582.06<\/td><td class=\"column-6\">$105,431.59<\/td>\n<\/tr>\n<tr class=\"row-8\">\n\t<td class=\"column-1\">7<\/td><td class=\"column-2\">$105,431.59<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$6,078.04<\/td><td class=\"column-5\">$9,111.38<\/td><td class=\"column-6\">$96,320.20<\/td>\n<\/tr>\n<tr class=\"row-9\">\n\t<td class=\"column-1\">8<\/td><td class=\"column-2\">$96,320.20<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$5,516.07<\/td><td class=\"column-5\">$9,673.35<\/td><td class=\"column-6\">$86,646.85<\/td>\n<\/tr>\n<tr class=\"row-10\">\n\t<td class=\"column-1\">9<\/td><td class=\"column-2\">$86,646.85<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$4,919.44<\/td><td class=\"column-5\">$10,269.98<\/td><td class=\"column-6\">$76,376.87<\/td>\n<\/tr>\n<tr class=\"row-11\">\n\t<td class=\"column-1\">10<\/td><td class=\"column-2\">$76,376.87<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$4,286.01<\/td><td class=\"column-5\">$10,903.41<\/td><td class=\"column-6\">$65,473.45<\/td>\n<\/tr>\n<tr class=\"row-12\">\n\t<td class=\"column-1\">11<\/td><td class=\"column-2\">$65,473.45<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$3,613.51<\/td><td class=\"column-5\">$11,575.91<\/td><td class=\"column-6\">$53,897.54<\/td>\n<\/tr>\n<tr class=\"row-13\">\n\t<td class=\"column-1\">12<\/td><td class=\"column-2\">$53,897.54<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$2,899.53<\/td><td class=\"column-5\">$12,289.89<\/td><td class=\"column-6\">$41,607.65<\/td>\n<\/tr>\n<tr class=\"row-14\">\n\t<td class=\"column-1\">13<\/td><td class=\"column-2\">$41,607.65<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$2,141.52<\/td><td class=\"column-5\">$13,047.90<\/td><td class=\"column-6\">$28,559.74<\/td>\n<\/tr>\n<tr class=\"row-15\">\n\t<td class=\"column-1\">14<\/td><td class=\"column-2\">$28,559.74<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$1,336.75<\/td><td class=\"column-5\">$13,852.67<\/td><td class=\"column-6\">$14,707.07<\/td>\n<\/tr>\n<tr class=\"row-16\">\n\t<td class=\"column-1\">15<\/td><td class=\"column-2\">$14,707.07<\/td><td class=\"column-3\">$1,265.79<\/td><td class=\"column-4\">$482.35<\/td><td class=\"column-5\">$14,707.07<\/td><td class=\"column-6\">$0.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n<p><b><i>Learn: <\/i><\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-to-buy-a-house\/\"><b><i>How to Buy a House: Step-by-Step Guide<\/i><\/b><\/a><b><i> <\/i><\/b><\/p>\n<p><a name=\"how-to-get-150000-mortgage\"><\/a><\/p>\n<h2>How to get a $150,000 mortgage<\/h2>\n<p><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/how-to-apply-for-mortgage\/\">Applying for a mortgage<\/a> isn\u2019t as hard to come by as most people think. It just takes a little preparation.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-48654 size-full\" src=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square.png\" alt=\"\" width=\"1200\" height=\"1200\" srcset=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square.png 1200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square-600x600.png 600w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square-200x200.png 200w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square-768x768.png 768w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square-300x300.png 300w, https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2021\/02\/how-to-get-a-mortgage-flowchart-square-150x150.png 150w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/p>\n<p><b>Here are the steps you\u2019ll want to follow to get a mortgage and <\/b><a href=\"https:\/\/www.credible.com\/blog\/mortgages\/when-to-buy-house\/\"><b>buy that dream house<\/b><\/a><b>:<\/b><\/p>\n<ol>\n<li><b>Estimate your home budget.<\/b> Evaluate your finances \u2014 including your debts, income, and household expenses. You\u2019ll need to determine what you can comfortably afford for both your monthly and down payment.<\/li>\n<li><b>Check your credit. <\/b>Your credit will play a role in what loans you qualify for and the interest rate you receive, so pull your credit and assess where you stand. If your score is low or you have negative marks on your report, you might want to spend time improving your credit before applying for a mortgage.<\/li>\n<li><b>Get pre-approved. <\/b>You should always <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/preapproval\/\">get pre-approved<\/a>, as it can point you in the right direction price-wise.<\/li>\n<li><b>Compare mortgage rates.<\/b> Next, compare your loan options. Look at interest rates, closing costs, and fees. You should also factor in the <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/mortgage-apr\/\">mortgage APR<\/a>, too. This indicates how much you\u2019ll pay every year for the loan.<\/li>\n<li><b>Negotiate your home purchase. <\/b>Include your pre-approval letters in any offer you make, and work with your agent to negotiate a deal. Showing sellers that you\u2019re already pre-approved can often improve your chances \u2014 especially in a bidding war.<\/li>\n<li><b>Complete your mortgage application<\/b>. Once you\u2019ve chosen a lender and the seller has accepted your offer to <a href=\"https:\/\/www.credible.com\/blog\/mortgages\/cost-to-buy-house\/\">buy the house<\/a>, it\u2019s time to fill out the full loan application. This will require some financial information, a credit check, and documents like bank statements, tax returns, and W-2s.<\/li>\n<li><b>Get approved. <\/b>After your application is in, it will go into underwriting, when your lender will verify all your information and crunch the numbers. They will also order an appraisal to make sure the home you\u2019re buying is worth what you want to borrow for it. <b> <\/b><\/li>\n<li><b>Prep for closing. <\/b>Your lender will assign you a closing date. Be sure to secure a homeowners insurance policy on the home before this date arrives. You\u2019ll need proof of coverage before closing the loan. You should also review your closing disclosures to understand the final costs and terms of your loan. If you have any questions, ask your loan officer ASAP.<\/li>\n<li><b>Close on your mortgage<\/b>. Once closing day arrives, you\u2019ll sign your paperwork, pay your down payment and closing costs, and receive your keys.<\/li>\n<\/ol>\n<p>Be sure to lean on your real estate agent and loan officer if you need help. They can guide you in the homebuying and mortgage processes and make sure you\u2019re on track for success.<\/p>\n<p><div class=\"basic-box\" style=\"border: 1px solid #E2E4E6;\"><div class=\"basic-box__inside\"><\/p>\n<h3><span style=\"font-size: x-large;\"><strong>Credible makes finding a mortgage easy<\/strong><\/span><\/h3>\n<h6 class=\"accent--isGrayLight\">Compare prequalified mortgage rates from top lenders in just 3 minutes.<\/h6>\n<ul class=\"list--iconArrow accent--isGreen list--iconCheckmarkSolidCircle\">\n<li>Personalized rates, not generic<\/li>\n<li>One simple, safe TLS-encrypted form<\/li>\n<li>No spam calls from lenders<\/li>\n<li>Checking rates is free, with no commitment<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><a class=\"btn btn-warning\" href=\"https:\/\/www.credible.com\/mortgage\/form\/property-stage?utm_source=wp-credible&amp;utm_medium=mp-box-cta&amp;utm_campaign=seo\" target=\"_blank\" rel=\"noopener\">Find My Rate<\/a><br \/>\n<!-- TrustBox widget - Micro Combo --><\/p>\n<div class=\"trustpilot-widget\" data-locale=\"en-US\" data-template-id=\"5419b6ffb0d04a076446a9af\" data-businessunit-id=\"5536ec090000ff00057eebe7\" data-style-height=\"20px\" data-style-width=\"100%\" data-theme=\"light\"><a href=\"https:\/\/www.trustpilot.com\/review\/www.credible.com\" target=\"_blank\" rel=\"noopener noreferrer\">Trustpilot<\/a><\/div>\n<p><!-- End TrustBox widget --><\/p>\n<p><\/div><\/div><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>When you take out a mortgage, you\u2019ll pay your balance off month by month for the life of the loan \u2014 often 15 or 30 years for many homebuyers. But mortgage loans also come with&hellip; <a class=\"more \" href=\"https:\/\/www.credible.com\/blog\/mortgages\/150000-mortgage\/\">Continue reading<\/a><\/p>\n","protected":false},"author":101,"featured_media":43419,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"om_disable_all_campaigns":false,"inline_featured_image":false,"footnotes":""},"categories":[1463],"tags":[1561,1547,1524,1521],"class_list":["post-43406","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgages","tag-cro-test-1","tag-homebuying-costs","tag-mortgage-purchase","tag-mortgage-rates-sidebar","how-much-a-150000-mortgage-will-cost-you","post_tag-cro-test-1","post_tag-homebuying-costs","post_tag-mortgage-purchase","post_tag-mortgage-rates-sidebar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Much a $150,000 Mortgage Will Cost You | Credible<\/title>\n<meta name=\"description\" content=\"Mortgage loans come with a number of costs, both upfront and in the long haul. Here are the costs you can expect on a $150,000 mortgage.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.credible.com\/blog\/mortgages\/150000-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much a $150,000 Mortgage Will Cost You | Credible\" \/>\n<meta property=\"og:description\" content=\"Mortgage loans come with a number of costs, both upfront and in the long haul. Here are the costs you can expect on a $150,000 mortgage.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.credible.com\/blog\/mortgages\/150000-mortgage\/\" \/>\n<meta property=\"og:site_name\" content=\"Credible\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/crediblelabs\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-09-15T23:03:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-10-11T03:01:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.credible.com\/blog\/wp-content\/uploads\/2020\/09\/what-is-the-mortgage-payment-on-a-150000-house.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1476\" \/>\n\t<meta property=\"og:image:height\" content=\"590\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Aly J. 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