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I am taking out a loan to purchase a new home. The purchase of the home is $149,000 with an interest rate of 7% and a term of 10 years. To calculate the interest, I will need to use the interest formula which is Interest=principal x rate x time. When I calculate the interest of the house, it is 149,000x0.07x10 which ends up equaling $104,300. Therefore, the total cost I would be paying for my house after 10 years would be $253,300. To calculate the monthly payments that I would need to pay on my home would be $104,300/120 months=approx. $869.17 per month. If I were to lower the interest rate or pay more each month towards my home, obviously this number would change per month. If I were to change the term of my loan, I would have to pay more each month for my payment. If my interest rate were to change, I would more than likely have to pay less than what I am paying since it won't accumulate all the interest that comes along with the first total. I think if my loan were to become more money a month, I would have to change some of my subscriptions and limit them down to only one or two so I was able to afford to pay more on my loan a month trying to pay it off sooner.