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you tally everything up, you may find that the total comes in above or below your desired target ($1,500, in our example). Obviously, if you come out a little high, you need to cut back a bit and choose a slightly less-costly property and/or get a smaller mortgage.

Using Table 3-1, you can calculate the size of your mortgage payments based on the amount you want to borrow, the loan’s interest rate, and the length (in years) the mortgage payments last. To determine the monthly payment on a mortgage, simply multiply the relevant number from Table 3-1 by the size of your mortgage expressed in (divided by) thousands of dollars. For example, if you take out a $150,000, 30-year mortgage at 5.50 percent, multiply 150 by 5.68 (from Table 3-1) to arrive at an $852 monthly payment. (You can access Table 3-1 online at www.dummies.com/go/homebuyingkit7e.)

TABLE 3-1 Monthly Mortgage Payment Calculator

Interest Rate	15-Year Mortgage	30-Year Mortgage
3	6.90	4.21
31⁄8	6.96	4.28
3¼	7.02	4.35
33⁄8	7.08	4.42
3½	7.14	4.49
35⁄8	7.21	4.56
3¾	7.27	4.63
37⁄8	7.33	4.70
4	7.40	4.77
41⁄8	7.46	4.85
4¼	7.52	4.92
43⁄8	7.59	4.99
4½	7.65	5.07
45⁄8	7.71	5.14
4¾	7.78	5.22
47⁄8	7.84	5.29
5	7.91	5.37
51⁄8	7.98	5.45
5¼	8.04	5.53
53⁄8	8.11	5.60
5½	8.18	5.68
55⁄8	8.24	5.76
5¾	8.31	5.84
57⁄8	8.38	5.92
6	8.44	6.00
61⁄8	8.51	6.08
6¼	8.58	6.16
63⁄8	8.65	6.24
6½	8.72	6.33
65⁄8	8.78	6.41
6¾	8.85	6.49
67⁄8	8.92	6.57
7	8.99	6.66
71⁄8	9.06	6.74
7¼	9.13	6.83
73⁄8	9.20	6.91
7½	9.28	7.00
75⁄8	9.35	7.08
7¾	9.42	7.17
77⁄8	9.49	7.26
8	9.56	7.34
81⁄8	9.63	7.43
8¼	9.71	7.52
83⁄8	9.78	7.61
8½	9.85	7.69
85⁄8	9.93	7.78
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