$350k Mortgage Payment — 15-Year Loan at 6.75% (2026)
Monthly payment on a $350,000.00 mortgage for 15 years at 6.75%: $3,097.18/month. Total interest: $207,492.96. Full amortization schedule.
Monthly Payment (6.75% APR)
$3,097.18
Capital
$350,000.00
Total Juros
$207,492.96
Total a Pagar
$557,492.96
Payment by Rate
5.5% TAN
$2,859.79
6% TAN
$2,953.50
6.5% TAN
$3,048.88
6.75% TAN
$3,097.18
7% TAN
$3,145.90
7.5% TAN
$3,244.54
Other Loan Amounts — 15 years
$350,000.00 — Other Terms
$350k Mortgage — 15-Year Loan in 2026
This page calculates the monthly payment on a $350,000.00 mortgage with a 15-year term (180 payments), using 6.75% APR as a reference rate for 2026. The 30-year fixed rate averaged 6.5-7% in 2026 according to Freddie Mac data. For a 15-year fixed, rates are typically 0.5-0.75% lower. Use the loan calculator to calculate with your exact rate and generate a full amortization schedule. To avoid PMI, a 20% down payment ($70,000.00) is recommended. Using the 28% front-end DTI rule, you need a gross monthly income of at least $11,061.37 for this payment.
Other loan amounts
Frequently Asked Questions
At a 6.75% interest rate, the monthly payment on a $350,000.00 loan for 15 years (180 payments) is $3,097.18. Total amount paid: $557,492.96, of which $207,492.96 is interest. This uses the standard PMT formula and does not include property taxes, insurance, or PMI.