To calculate the total monthly house payment first divide the loan amount by $1,000. Then multiply that number by the principal and interest payment factor. For example, if you are planning to purchase a home and obtain a $120,000 20-year mortgage:

1. $120,000 / 1,000 = 120 (per 1,000)
2. A 20 year loan at 6.00% = 7.16 Principal + Interest (P + I) Factor
3. Take 7.16 (P + I) x 120 = $859.20

Interest Rate	15 Year	20 Year	30 Year
5.000%	7.91	6.60	5.37
5.125%	7.97	6.67	5.44
5.250%	8.04	6.74	5.52
5.375%	8.10	6.81	5.60
5.500%	8.17	6.88	5.68
5.625%	8.24	6.95	5.76
5.750%	8.30	7.02	5.84
5.875%	8.37	7.09	5.92
6.000%	8.44	7.16	6.00
6.125%	8.51	7.24	6.08
6.250%	8.57	7.31	6.16
6.375%	9.64	7.38	6.24
6.500%	8.72	7.46	6.33
6.625%	8.78	7.53	6.40
6.750%	8.85	7.60	6.49
7.000%	8.99	7.75	6.65
7.125%	9.06	7.83	6.74
7.250%	9.13	7.90	6.83
7.375%	9.20	7.98	6.91
7.500%	9.28	8.06	6.99
7.625%	9.34	8.13	7.08
7.750%	9.41	8.21	7.16
8.000%	9.56	8.36	7.34
8.125%	9.63	8.44	7.42
8.250%	9.70	8.52	7.51
8.375%	9.77	8.60	7.60
8.500%	9.85	8.68	7.69
8.625%	9.92	8.76	7.78
8.750%	9.99	8.84	7.87
8.875%	10.07	8.92	7.96
9.000%	10.15	9.00	8.05
9.125%	10.22	9.08	8.14
9.250%	10.29	9.16	8.23
9.375%	10.37	9.24	8.32
9.500%	10.45	9.32	8.41
9.625%	10.52	9.40	8.50
9.750%	10.59	9.49	8.59
9.875%	10.67	9.57	8.68
10.000%	10.75	9.65	8.78