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Sunday, October 18, 2026

Rates last updated Oct 16, 2026

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Loan amount

Payment on a $400,000 mortgage

Here’s the estimated payment on a $400,000 loan at the latest Freddie Mac 30-year average. At the Freddie Mac 30-year of 7.40% (week of Oct 15, 2026), principal and interest on a $400,000 loan is $2,770. The form starts at 20% down on a $500,000 price so the loan matches.

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Other loan sizes: $250,000 · $300,000 · $350,000 · $500,000 · $600,000 · $750,000 · $1,000,000

Estimated monthly

$3,374

P&I + taxes + insurance + HOA + PMI

Principal & interest

$2,770

Loan amount

$400,000

Down payment

$100,000

Lifetime interest

$597,027

Common questions

What is the monthly payment on a $400,000 mortgage?
At 7.40% for 30 years, P&I is about $2,770. With a 1% tax estimate and typical insurance, the all-in payment starts near $3,374. Your quote depends on credit, points, and the county.
Is this the house price or the loan?
This URL is the loan (what you borrow). A $400,000 loan with 20% down implies a $500,000 purchase. Switch to the main mortgage calculator to start from list price.

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