08/24/2026
Here is the fuller illustration:
30-year interest rate: 6.11%
Down payment: 3.5%
Annual FHA mortgage insurance: 0.55%
Closing costs and prepaids: estimated at 2%–5%
-> $350K HOME
Down payment: $12,250
Estimated cash to close: $19,250–$29,750
Monthly payment: about $2,080/month
(Includes principal, interest, and mortgage insurance)
-> $500K HOME
Down payment: $17,500
Estimated cash to close: $27,500–$42,500
Monthly payment: about $2,972/month
(Includes principal, interest, and mortgage insurance)
-> $700K HOME
Down payment: $24,500
Estimated cash to close: $38,500–$59,500
Monthly payment: about $4,161/month
(Includes principal, interest, and mortgage insurance)
Taxes, homeowners insurance, HOA, flood insurance, lender fees, points, and credits are not included in those monthly figures.
Rates and fees change daily. Get a local written Loan Estimate before using these numbers to choose a budget.
— If we haven’t met yet, I’m Deb Taylor, your local real estate agent in Bartlesville, OK