Now you decided on the price range you are looking into. If you have great credit, a 1 loan at 130,000 at a rate of 7 percent over a 30 year time would be 864.89 - A 200,000 home at 7 percent would be 1330.60 and a 250,000 at 7 percent would be 1663.25 that is not taking in the taxes and insurance.Lenders will look at your DTI (debit to income ratio).f you have great credit, a 1 loan at 130,000 at a rate of 7 percent over a 30 year time would be 864.89 - A 200,000 home at 7 percent would be 1330.60 and a 250,000 at 7 percent would be 1663.25 that is not taking in the taxes and insurance.