What would a mortgage on USD 400,000 cost each month?

With a 20% deposit you’d borrow USD 320,000. At 7.24% over 30 years, the payment is about USD 2,181 a month. Your own rate will differ.

What rate does this calculator start with?

The average 30-year fixed rate, which was 7.24% on 29 October 2026. It’s a starting point for United States, not an offer.

Closing costs, property tax, homeowners insurance, mortgage insurance. Add any regular ones under other monthly costs.

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What would a mortgage on USD 400,000 cost each month?: With a 20% deposit you’d borrow USD 320,000. At 7.24% over 30 years, the payment is about USD 2,181 a month. Your own rate will differ.
What rate does this calculator start with?: The average 30-year fixed rate, which was 7.24% on 29 October 2026. It’s a starting point for United States, not an offer.
What isn’t included?: Closing costs, property tax, homeowners insurance, mortgage insurance. Add any regular ones under other monthly costs.

Rate dated 29 October 2026. Source: Primary Mortgage Market Survey (Freddie Mac). This is an estimate, not financial advice.