Washington, DC Mortgage Calculator
Estimate your monthly mortgage payment in Washington including property taxes, homeowners insurance, PMI, and 2025 loan limits.
Extra Monthly Payment
$
Estimated Monthly Payment
$3,821
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $512,000
LTV: 0.01%
P&I Payment
$3,389
Total Interest
$708,102
over loan life
Payoff
30 yr
Closing Costs
$12,591–$23,503
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$1,209,750
Conforming Limit
$1,209,750
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $3,389 | $424 | $2,965 | $511,576 | $2,965 |
| 2 | $3,389 | $426 | $2,963 | $511,150 | $5,928 |
| 3 | $3,389 | $429 | $2,960 | $510,721 | $8,889 |
| 4 | $3,389 | $431 | $2,958 | $510,290 | $11,847 |
| 5 | $3,389 | $434 | $2,955 | $509,856 | $14,802 |
| 6 | $3,389 | $436 | $2,953 | $509,420 | $17,755 |
| 7 | $3,389 | $439 | $2,950 | $508,981 | $20,705 |
| 8 | $3,389 | $441 | $2,948 | $508,540 | $23,653 |
| 9 | $3,389 | $444 | $2,945 | $508,096 | $26,598 |
| 10 | $3,389 | $446 | $2,943 | $507,649 | $29,541 |
| 11 | $3,389 | $449 | $2,940 | $507,200 | $32,481 |
| 12 | $3,389 | $452 | $2,938 | $506,749 | $35,419 |
Months 1–12 of 360
2025 Loan Limits — District of Columbia, DC
| Limit Type | 2025 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $1,209,750 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $1,209,750 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
FAQ — Washington Mortgage
What is the average mortgage payment in Washington?
Based on the median home value of $640,000 in Washington, a 30-year conventional loan with 20% down at current illustrative rates would result in an estimated P&I payment. Add local property taxes and insurance for a full PITI estimate.
What is the 2025 FHA loan limit in Washington?
The 2025 FHA loan limit for Washington (District of Columbia) is $1,209,750.
What is the conforming loan limit in Washington?
The 2025 conforming loan limit for Washington is $1,209,750. Loans above this are considered jumbo.