Unless you are paying cash,all homes are financed through monthly payments. you can click on the left side of this listing where it says "calculate" and figure out your monthly payments with loans of differing amounts. For example,with an FHA loan of 3.5% ($5,040)down your loan amount would be about $139,040. with a conventional loan of 20% down($28,800) your loan amount would be about $115,200. i believe this calculator also figures in taxes 7 insurance for you. it's very easy to use.