Mortgage Payment Guide · Virginia
Mortgage Payment Estimates for Virginia by Home Price
The true monthly payment on a home is rarely what lenders quote upfront. Below are the full PITI estimates — principal, interest, property tax, and insurance — for eight home prices in Virginia, at both 20% and 10% down. Pick a price to see the complete breakdown, income requirements, and 15- vs. 30-year comparison.
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| Home Price | PITI (20% down) | PITI (10% down) | Details |
|---|---|---|---|
| $200,000 | $1,277/mo | $1,530/mo | Full breakdown → |
| $250,000 | $1,562/mo | $1,878/mo | Full breakdown → |
| $300,000 | $1,846/mo | $2,225/mo | Full breakdown → |
| $350,000 | $2,131/mo | $2,573/mo | Full breakdown → |
| $400,000 | $2,415/mo | $2,920/mo | Full breakdown → |
| $500,000 | $2,984/mo | $3,615/mo | Full breakdown → |
| $600,000 | $3,552/mo | $4,310/mo | Full breakdown → |
| $750,000 | $4,406/mo | $5,353/mo | Full breakdown → |
Rate: 6.4% (Freddie Mac Primary Mortgage Market Survey). Property tax: 0.82% effective rate (Tax Foundation Property Taxes by State 2024). Insurance: $1,680/yr (Insurance.com Rate Analysis 2026).