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Mortgage Payment Schedule for a $115,000 Home

The mortgage payment schedule, also commonly referred to as an amortization table or schedule, is dependent on three factors - down payment, interest rate and term length. Modify them below if needed before viewing the payment schedule. The default values are based on a down payment of 20% and the current 30-year fixed mortgage rate average from Freddie Mac as of September 21, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($23,000) may require pre-mortgage insurance


3.83% is current rate for 30-year fixed
3.13% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$430 360 $62,891 $154,891

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,169 or less (zip code: 20149)


NMLS #: 1838 | State Lic #: MC-4344
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.639% | Rate: 3.625% | Fees: $445 | 30 day rate lock

NMLS #: 3294 | State Lic #: MC-1971
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.656% | Rate: 3.625% | Fees: $950 | 30 day rate lock

NMLS #: 258821
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.750% | Rate: 3.750% | Fees: $0 | 30 day rate lock

NMLS #: 66247 Cardinal Financial | State Lic #: MC-1825
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.764% | Rate: 3.750% | Fees: $432 | 30 day rate lock

NMLS #: 67717
$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.000% | Rate: 4.000% | Fees: $0 | 30 day rate lock

$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.029% | Rate: 4.000% | Fees: $870 | 45 day rate lock

$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.750% | Rate: 3.750% | Fees: $0 | 30 day rate lock

NMLS #: 7706
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.875% | Rate: 3.875% | Fees: $0 | 30 day rate lock
Important information about our rate tables
The listings that appear on this page are from companies from which this website and Bankrate may receive compensation, which may impact how, where and in what order products appear. These listings do not include all companies or all available products. Neither Bankrate nor this website endorses or recommends any companies or products.


Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $115,000
Down Payment $23,000$92,000
Year 1 - 1 ($430)$294$137$91,863
2 ($430)$293$137$91,726
3 ($430)$293$137$91,589
4 ($430)$292$138$91,451
5 ($430)$292$138$91,313
6 ($430)$291$139$91,174
7 ($430)$291$139$91,034
8 ($430)$291$140$90,895
9 ($430)$290$140$90,755
10 ($430)$290$141$90,614
11 ($430)$289$141$90,473
12 ($430)$289$141$90,331
Year 2 - 13 ($430)$288$142$90,190
14 ($430)$288$142$90,047
15 ($430)$287$143$89,904
16 ($430)$287$143$89,761
17 ($430)$286$144$89,617
18 ($430)$286$144$89,473
19 ($430)$286$145$89,328
20 ($430)$285$145$89,183
21 ($430)$285$146$89,038
22 ($430)$284$146$88,891
23 ($430)$284$147$88,745
24 ($430)$283$147$88,598
Year 3 - 25 ($430)$283$147$88,450
26 ($430)$282$148$88,302
27 ($430)$282$148$88,154
28 ($430)$281$149$88,005
29 ($430)$281$149$87,856
30 ($430)$280$150$87,706
31 ($430)$280$150$87,556
32 ($430)$279$151$87,405
33 ($430)$279$151$87,254
34 ($430)$278$152$87,102
35 ($430)$278$152$86,950
36 ($430)$278$153$86,797
Year 4 - 37 ($430)$277$153$86,644
38 ($430)$277$154$86,490
39 ($430)$276$154$86,336
40 ($430)$276$155$86,181
41 ($430)$275$155$86,026
42 ($430)$275$156$85,870
43 ($430)$274$156$85,714
44 ($430)$274$157$85,557
45 ($430)$273$157$85,400
46 ($430)$273$158$85,242
47 ($430)$272$158$85,084
48 ($430)$272$159$84,925
Year 5 - 49 ($430)$271$159$84,766
50 ($430)$271$160$84,607
51 ($430)$270$160$84,446
52 ($430)$270$161$84,286
53 ($430)$269$161$84,124
54 ($430)$268$162$83,963
55 ($430)$268$162$83,800
56 ($430)$267$163$83,637
57 ($430)$267$163$83,474
58 ($430)$266$164$83,310
59 ($430)$266$164$83,146
60 ($430)$265$165$82,981
Year 6 - 61 ($430)$265$165$82,816
62 ($430)$264$166$82,650
63 ($430)$264$166$82,483
64 ($430)$263$167$82,316
65 ($430)$263$168$82,149
66 ($430)$262$168$81,981
67 ($430)$262$169$81,812
68 ($430)$261$169$81,643
69 ($430)$261$170$81,473
70 ($430)$260$170$81,303
71 ($430)$259$171$81,132
72 ($430)$259$171$80,961
Year 7 - 73 ($430)$258$172$80,789
74 ($430)$258$172$80,617
75 ($430)$257$173$80,444
76 ($430)$257$174$80,270
77 ($430)$256$174$80,096
78 ($430)$256$175$79,922
79 ($430)$255$175$79,746
80 ($430)$255$176$79,571
81 ($430)$254$176$79,394
82 ($430)$253$177$79,218
83 ($430)$253$177$79,040
84 ($430)$252$178$78,862
Year 8 - 85 ($430)$252$179$78,684
86 ($430)$251$179$78,505
87 ($430)$251$180$78,325
88 ($430)$250$180$78,145
89 ($430)$249$181$77,964
90 ($430)$249$181$77,782
91 ($430)$248$182$77,600
92 ($430)$248$183$77,418
93 ($430)$247$183$77,235
94 ($430)$247$184$77,051
95 ($430)$246$184$76,867
96 ($430)$245$185$76,682
Year 9 - 97 ($430)$245$186$76,496
98 ($430)$244$186$76,310
99 ($430)$244$187$76,123
100 ($430)$243$187$75,936
101 ($430)$242$188$75,748
102 ($430)$242$188$75,560
103 ($430)$241$189$75,371
104 ($430)$241$190$75,181
105 ($430)$240$190$74,991
106 ($430)$239$191$74,800
107 ($430)$239$192$74,608
108 ($430)$238$192$74,416
Year 10 - 109 ($430)$238$193$74,223
110 ($430)$237$193$74,030
111 ($430)$236$194$73,836
112 ($430)$236$195$73,641
113 ($430)$235$195$73,446
114 ($430)$234$196$73,250
115 ($430)$234$196$73,054
116 ($430)$233$197$72,857
117 ($430)$233$198$72,659
118 ($430)$232$198$72,461
119 ($430)$231$199$72,262
120 ($430)$231$200$72,062
Year 11 - 121 ($430)$230$200$71,862
122 ($430)$229$201$71,661
123 ($430)$229$202$71,459
124 ($430)$228$202$71,257
125 ($430)$227$203$71,054
126 ($430)$227$203$70,851
127 ($430)$226$204$70,647
128 ($430)$225$205$70,442
129 ($430)$225$205$70,237
130 ($430)$224$206$70,030
131 ($430)$224$207$69,824
132 ($430)$223$207$69,616
Year 12 - 133 ($430)$222$208$69,408
134 ($430)$222$209$69,200
135 ($430)$221$209$68,990
136 ($430)$220$210$68,780
137 ($430)$220$211$68,569
138 ($430)$219$211$68,358
139 ($430)$218$212$68,146
140 ($430)$217$213$67,933
141 ($430)$217$213$67,720
142 ($430)$216$214$67,506
143 ($430)$215$215$67,291
144 ($430)$215$215$67,075
Year 13 - 145 ($430)$214$216$66,859
146 ($430)$213$217$66,642
147 ($430)$213$218$66,425
148 ($430)$212$218$66,206
149 ($430)$211$219$65,987
150 ($430)$211$220$65,768
151 ($430)$210$220$65,548
152 ($430)$209$221$65,326
153 ($430)$209$222$65,105
154 ($430)$208$222$64,882
155 ($430)$207$223$64,659
156 ($430)$206$224$64,435
Year 14 - 157 ($430)$206$225$64,211
158 ($430)$205$225$63,985
159 ($430)$204$226$63,759
160 ($430)$203$227$63,532
161 ($430)$203$227$63,305
162 ($430)$202$228$63,077
163 ($430)$201$229$62,848
164 ($430)$201$230$62,618
165 ($430)$200$230$62,388
166 ($430)$199$231$62,157
167 ($430)$198$232$61,925
168 ($430)$198$233$61,692
Year 15 - 169 ($430)$197$233$61,459
170 ($430)$196$234$61,225
171 ($430)$195$235$60,990
172 ($430)$195$236$60,754
173 ($430)$194$236$60,518
174 ($430)$193$237$60,281
175 ($430)$192$238$60,043
176 ($430)$192$239$59,804
177 ($430)$191$239$59,565
178 ($430)$190$240$59,325
179 ($430)$189$241$59,084
180 ($430)$189$242$58,842
Year 16 - 181 ($430)$188$242$58,600
182 ($430)$187$243$58,357
183 ($430)$186$244$58,113
184 ($430)$185$245$57,868
185 ($430)$185$246$57,622
186 ($430)$184$246$57,376
187 ($430)$183$247$57,129
188 ($430)$182$248$56,881
189 ($430)$182$249$56,632
190 ($430)$181$250$56,383
191 ($430)$180$250$56,132
192 ($430)$179$251$55,881
Year 17 - 193 ($430)$178$252$55,629
194 ($430)$178$253$55,377
195 ($430)$177$254$55,123
196 ($430)$176$254$54,869
197 ($430)$175$255$54,614
198 ($430)$174$256$54,358
199 ($430)$173$257$54,101
200 ($430)$173$258$53,843
201 ($430)$172$258$53,585
202 ($430)$171$259$53,326
203 ($430)$170$260$53,066
204 ($430)$169$261$52,805
Year 18 - 205 ($430)$169$262$52,543
206 ($430)$168$263$52,281
207 ($430)$167$263$52,017
208 ($430)$166$264$51,753
209 ($430)$165$265$51,488
210 ($430)$164$266$51,222
211 ($430)$163$267$50,955
212 ($430)$163$268$50,688
213 ($430)$162$268$50,419
214 ($430)$161$269$50,150
215 ($430)$160$270$49,880
216 ($430)$159$271$49,609
Year 19 - 217 ($430)$158$272$49,337
218 ($430)$157$273$49,064
219 ($430)$157$274$48,790
220 ($430)$156$275$48,516
221 ($430)$155$275$48,240
222 ($430)$154$276$47,964
223 ($430)$153$277$47,687
224 ($430)$152$278$47,409
225 ($430)$151$279$47,130
226 ($430)$150$280$46,850
227 ($430)$150$281$46,569
228 ($430)$149$282$46,288
Year 20 - 229 ($430)$148$283$46,005
230 ($430)$147$283$45,722
231 ($430)$146$284$45,437
232 ($430)$145$285$45,152
233 ($430)$144$286$44,866
234 ($430)$143$287$44,579
235 ($430)$142$288$44,291
236 ($430)$141$289$44,002
237 ($430)$140$290$43,712
238 ($430)$140$291$43,421
239 ($430)$139$292$43,130
240 ($430)$138$293$42,837
Year 21 - 241 ($430)$137$294$42,544
242 ($430)$136$294$42,249
243 ($430)$135$295$41,954
244 ($430)$134$296$41,657
245 ($430)$133$297$41,360
246 ($430)$132$298$41,062
247 ($430)$131$299$40,763
248 ($430)$130$300$40,463
249 ($430)$129$301$40,161
250 ($430)$128$302$39,859
251 ($430)$127$303$39,556
252 ($430)$126$304$39,252
Year 22 - 253 ($430)$125$305$38,947
254 ($430)$124$306$38,641
255 ($430)$123$307$38,335
256 ($430)$122$308$38,027
257 ($430)$121$309$37,718
258 ($430)$120$310$37,408
259 ($430)$119$311$37,097
260 ($430)$118$312$36,785
261 ($430)$117$313$36,472
262 ($430)$116$314$36,158
263 ($430)$115$315$35,844
264 ($430)$114$316$35,528
Year 23 - 265 ($430)$113$317$35,211
266 ($430)$112$318$34,893
267 ($430)$111$319$34,574
268 ($430)$110$320$34,254
269 ($430)$109$321$33,933
270 ($430)$108$322$33,611
271 ($430)$107$323$33,288
272 ($430)$106$324$32,964
273 ($430)$105$325$32,639
274 ($430)$104$326$32,313
275 ($430)$103$327$31,986
276 ($430)$102$328$31,658
Year 24 - 277 ($430)$101$329$31,329
278 ($430)$100$330$30,998
279 ($430)$99$331$30,667
280 ($430)$98$332$30,335
281 ($430)$97$333$30,001
282 ($430)$96$334$29,667
283 ($430)$95$336$29,331
284 ($430)$94$337$28,995
285 ($430)$93$338$28,657
286 ($430)$91$339$28,318
287 ($430)$90$340$27,978
288 ($430)$89$341$27,637
Year 25 - 289 ($430)$88$342$27,295
290 ($430)$87$343$26,952
291 ($430)$86$344$26,608
292 ($430)$85$345$26,263
293 ($430)$84$346$25,916
294 ($430)$83$348$25,569
295 ($430)$82$349$25,220
296 ($430)$80$350$24,870
297 ($430)$79$351$24,519
298 ($430)$78$352$24,167
299 ($430)$77$353$23,814
300 ($430)$76$354$23,460
Year 26 - 301 ($430)$75$355$23,105
302 ($430)$74$357$22,748
303 ($430)$73$358$22,390
304 ($430)$71$359$22,032
305 ($430)$70$360$21,672
306 ($430)$69$361$21,311
307 ($430)$68$362$20,948
308 ($430)$67$363$20,585
309 ($430)$66$365$20,220
310 ($430)$65$366$19,855
311 ($430)$63$367$19,488
312 ($430)$62$368$19,120
Year 27 - 313 ($430)$61$369$18,751
314 ($430)$60$370$18,380
315 ($430)$59$372$18,009
316 ($430)$57$373$17,636
317 ($430)$56$374$17,262
318 ($430)$55$375$16,887
319 ($430)$54$376$16,510
320 ($430)$53$378$16,133
321 ($430)$51$379$15,754
322 ($430)$50$380$15,374
323 ($430)$49$381$14,993
324 ($430)$48$382$14,610
Year 28 - 325 ($430)$47$384$14,227
326 ($430)$45$385$13,842
327 ($430)$44$386$13,456
328 ($430)$43$387$13,069
329 ($430)$42$389$12,680
330 ($430)$40$390$12,290
331 ($430)$39$391$11,899
332 ($430)$38$392$11,507
333 ($430)$37$394$11,113
334 ($430)$35$395$10,719
335 ($430)$34$396$10,323
336 ($430)$33$397$9,925
Year 29 - 337 ($430)$32$399$9,527
338 ($430)$30$400$9,127
339 ($430)$29$401$8,726
340 ($430)$28$402$8,323
341 ($430)$27$404$7,920
342 ($430)$25$405$7,515
343 ($430)$24$406$7,108
344 ($430)$23$408$6,701
345 ($430)$21$409$6,292
346 ($430)$20$410$5,882
347 ($430)$19$411$5,470
348 ($430)$17$413$5,058
Year 30 - 349 ($430)$16$414$4,643
350 ($430)$15$415$4,228
351 ($430)$13$417$3,811
352 ($430)$12$418$3,393
353 ($430)$11$419$2,974
354 ($430)$9$421$2,553
355 ($430)$8$422$2,131
356 ($430)$7$423$1,707
357 ($430)$5$425$1,283
358 ($430)$4$426$856
359 ($430)$3$428$429
360 ($430)$1$429$0
TOTALS$62,891$92,000$154,891

Disclaimer

This information is provided "as-is" and should only be used for general informational purposes. All costs were rounded to the nearest dollar to make the page more legible. There may be additional costs associated with the mortgage, including taxes, fees, insurance, homeowner association membership, etc. that could affect the monthly payment amount. Although the cost calculations are believed to be reliable, its accuracy is not warranted in any way.