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Mortgage Payment Schedule for a $116,000 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 October 12, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($23,200) may require pre-mortgage insurance


3.91% is current rate for 30-year fixed
3.21% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$438 360 $64,966 $157,766

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,181 or less (zip code: 20149)


$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 #: 1071 | State Lic #: MC-1772
$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

NMLS #: 227765 | State Lic #: MC-5920
$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

NMLS #: 898791
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.928% | Rate: 3.875% | Fees: $1,595 | 60 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

NMLS #: 790396
$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

$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 #: 1838 | State Lic #: MC-4344
$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 #: 2917 | State Lic #: MC-436
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.792% | Rate: 3.750% | Fees: $1,285 | 45 day rate lock

NMLS #: 417490
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.895% | Rate: 3.875% | Fees: $592 | 30 day rate lock

$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.901% | Rate: 3.875% | Fees: $795 | 45 day rate lock

NMLS #: 181005
$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
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  $116,000
Down Payment $23,200$92,800
Year 1 - 1 ($438)$302$136$92,664
2 ($438)$302$136$92,528
3 ($438)$301$137$92,391
4 ($438)$301$137$92,254
5 ($438)$301$138$92,116
6 ($438)$300$138$91,978
7 ($438)$300$139$91,840
8 ($438)$299$139$91,701
9 ($438)$299$139$91,561
10 ($438)$298$140$91,421
11 ($438)$298$140$91,281
12 ($438)$297$141$91,140
Year 2 - 13 ($438)$297$141$90,999
14 ($438)$297$142$90,857
15 ($438)$296$142$90,715
16 ($438)$296$143$90,572
17 ($438)$295$143$90,429
18 ($438)$295$144$90,285
19 ($438)$294$144$90,141
20 ($438)$294$145$89,997
21 ($438)$293$145$89,852
22 ($438)$293$145$89,706
23 ($438)$292$146$89,560
24 ($438)$292$146$89,414
Year 3 - 25 ($438)$291$147$89,267
26 ($438)$291$147$89,120
27 ($438)$290$148$88,972
28 ($438)$290$148$88,824
29 ($438)$289$149$88,675
30 ($438)$289$149$88,525
31 ($438)$288$150$88,376
32 ($438)$288$150$88,225
33 ($438)$287$151$88,075
34 ($438)$287$151$87,923
35 ($438)$286$152$87,772
36 ($438)$286$152$87,619
Year 4 - 37 ($438)$285$153$87,467
38 ($438)$285$153$87,313
39 ($438)$284$154$87,160
40 ($438)$284$154$87,005
41 ($438)$283$155$86,851
42 ($438)$283$155$86,695
43 ($438)$282$156$86,540
44 ($438)$282$156$86,383
45 ($438)$281$157$86,227
46 ($438)$281$157$86,069
47 ($438)$280$158$85,911
48 ($438)$280$158$85,753
Year 5 - 49 ($438)$279$159$85,594
50 ($438)$279$159$85,435
51 ($438)$278$160$85,275
52 ($438)$278$160$85,115
53 ($438)$277$161$84,954
54 ($438)$277$161$84,792
55 ($438)$276$162$84,630
56 ($438)$276$162$84,468
57 ($438)$275$163$84,305
58 ($438)$275$164$84,141
59 ($438)$274$164$83,977
60 ($438)$274$165$83,813
Year 6 - 61 ($438)$273$165$83,648
62 ($438)$273$166$83,482
63 ($438)$272$166$83,316
64 ($438)$271$167$83,149
65 ($438)$271$167$82,982
66 ($438)$270$168$82,814
67 ($438)$270$168$82,645
68 ($438)$269$169$82,476
69 ($438)$269$170$82,307
70 ($438)$268$170$82,137
71 ($438)$268$171$81,966
72 ($438)$267$171$81,795
Year 7 - 73 ($438)$267$172$81,623
74 ($438)$266$172$81,451
75 ($438)$265$173$81,278
76 ($438)$265$173$81,105
77 ($438)$264$174$80,931
78 ($438)$264$175$80,756
79 ($438)$263$175$80,581
80 ($438)$263$176$80,405
81 ($438)$262$176$80,229
82 ($438)$261$177$80,052
83 ($438)$261$177$79,875
84 ($438)$260$178$79,697
Year 8 - 85 ($438)$260$179$79,518
86 ($438)$259$179$79,339
87 ($438)$259$180$79,160
88 ($438)$258$180$78,979
89 ($438)$257$181$78,798
90 ($438)$257$181$78,617
91 ($438)$256$182$78,435
92 ($438)$256$183$78,252
93 ($438)$255$183$78,069
94 ($438)$254$184$77,885
95 ($438)$254$184$77,700
96 ($438)$253$185$77,515
Year 9 - 97 ($438)$253$186$77,330
98 ($438)$252$186$77,143
99 ($438)$251$187$76,957
100 ($438)$251$187$76,769
101 ($438)$250$188$76,581
102 ($438)$250$189$76,392
103 ($438)$249$189$76,203
104 ($438)$248$190$76,013
105 ($438)$248$191$75,822
106 ($438)$247$191$75,631
107 ($438)$246$192$75,439
108 ($438)$246$192$75,247
Year 10 - 109 ($438)$245$193$75,054
110 ($438)$245$194$74,860
111 ($438)$244$194$74,666
112 ($438)$243$195$74,471
113 ($438)$243$196$74,275
114 ($438)$242$196$74,079
115 ($438)$241$197$73,882
116 ($438)$241$198$73,685
117 ($438)$240$198$73,487
118 ($438)$239$199$73,288
119 ($438)$239$199$73,088
120 ($438)$238$200$72,888
Year 11 - 121 ($438)$237$201$72,688
122 ($438)$237$201$72,486
123 ($438)$236$202$72,284
124 ($438)$236$203$72,081
125 ($438)$235$203$71,878
126 ($438)$234$204$71,674
127 ($438)$234$205$71,469
128 ($438)$233$205$71,264
129 ($438)$232$206$71,058
130 ($438)$232$207$70,851
131 ($438)$231$207$70,644
132 ($438)$230$208$70,436
Year 12 - 133 ($438)$230$209$70,227
134 ($438)$229$209$70,018
135 ($438)$228$210$69,807
136 ($438)$227$211$69,597
137 ($438)$227$211$69,385
138 ($438)$226$212$69,173
139 ($438)$225$213$68,960
140 ($438)$225$214$68,747
141 ($438)$224$214$68,532
142 ($438)$223$215$68,317
143 ($438)$223$216$68,102
144 ($438)$222$216$67,886
Year 13 - 145 ($438)$221$217$67,668
146 ($438)$220$218$67,451
147 ($438)$220$218$67,232
148 ($438)$219$219$67,013
149 ($438)$218$220$66,793
150 ($438)$218$221$66,573
151 ($438)$217$221$66,351
152 ($438)$216$222$66,129
153 ($438)$215$223$65,906
154 ($438)$215$223$65,683
155 ($438)$214$224$65,459
156 ($438)$213$225$65,234
Year 14 - 157 ($438)$213$226$65,008
158 ($438)$212$226$64,782
159 ($438)$211$227$64,555
160 ($438)$210$228$64,327
161 ($438)$210$229$64,098
162 ($438)$209$229$63,869
163 ($438)$208$230$63,638
164 ($438)$207$231$63,408
165 ($438)$207$232$63,176
166 ($438)$206$232$62,944
167 ($438)$205$233$62,710
168 ($438)$204$234$62,476
Year 15 - 169 ($438)$204$235$62,242
170 ($438)$203$235$62,006
171 ($438)$202$236$61,770
172 ($438)$201$237$61,533
173 ($438)$200$238$61,295
174 ($438)$200$239$61,057
175 ($438)$199$239$60,818
176 ($438)$198$240$60,578
177 ($438)$197$241$60,337
178 ($438)$197$242$60,095
179 ($438)$196$242$59,853
180 ($438)$195$243$59,609
Year 16 - 181 ($438)$194$244$59,365
182 ($438)$193$245$59,121
183 ($438)$193$246$58,875
184 ($438)$192$246$58,629
185 ($438)$191$247$58,381
186 ($438)$190$248$58,133
187 ($438)$189$249$57,885
188 ($438)$189$250$57,635
189 ($438)$188$250$57,384
190 ($438)$187$251$57,133
191 ($438)$186$252$56,881
192 ($438)$185$253$56,628
Year 17 - 193 ($438)$185$254$56,374
194 ($438)$184$255$56,120
195 ($438)$183$255$55,865
196 ($438)$182$256$55,608
197 ($438)$181$257$55,351
198 ($438)$180$258$55,093
199 ($438)$180$259$54,835
200 ($438)$179$260$54,575
201 ($438)$178$260$54,315
202 ($438)$177$261$54,053
203 ($438)$176$262$53,791
204 ($438)$175$263$53,528
Year 18 - 205 ($438)$174$264$53,264
206 ($438)$174$265$53,000
207 ($438)$173$266$52,734
208 ($438)$172$266$52,468
209 ($438)$171$267$52,201
210 ($438)$170$268$51,932
211 ($438)$169$269$51,663
212 ($438)$168$270$51,393
213 ($438)$167$271$51,123
214 ($438)$167$272$50,851
215 ($438)$166$273$50,578
216 ($438)$165$273$50,305
Year 19 - 217 ($438)$164$274$50,031
218 ($438)$163$275$49,755
219 ($438)$162$276$49,479
220 ($438)$161$277$49,202
221 ($438)$160$278$48,924
222 ($438)$159$279$48,646
223 ($438)$159$280$48,366
224 ($438)$158$281$48,085
225 ($438)$157$282$47,804
226 ($438)$156$282$47,521
227 ($438)$155$283$47,238
228 ($438)$154$284$46,953
Year 20 - 229 ($438)$153$285$46,668
230 ($438)$152$286$46,382
231 ($438)$151$287$46,095
232 ($438)$150$288$45,807
233 ($438)$149$289$45,518
234 ($438)$148$290$45,228
235 ($438)$147$291$44,937
236 ($438)$146$292$44,645
237 ($438)$145$293$44,352
238 ($438)$145$294$44,059
239 ($438)$144$295$43,764
240 ($438)$143$296$43,468
Year 21 - 241 ($438)$142$297$43,172
242 ($438)$141$298$42,874
243 ($438)$140$299$42,576
244 ($438)$139$300$42,276
245 ($438)$138$300$41,976
246 ($438)$137$301$41,674
247 ($438)$136$302$41,372
248 ($438)$135$303$41,068
249 ($438)$134$304$40,764
250 ($438)$133$305$40,459
251 ($438)$132$306$40,152
252 ($438)$131$307$39,845
Year 22 - 253 ($438)$130$308$39,536
254 ($438)$129$309$39,227
255 ($438)$128$310$38,916
256 ($438)$127$311$38,605
257 ($438)$126$312$38,293
258 ($438)$125$313$37,979
259 ($438)$124$314$37,665
260 ($438)$123$316$37,349
261 ($438)$122$317$37,033
262 ($438)$121$318$36,715
263 ($438)$120$319$36,396
264 ($438)$119$320$36,077
Year 23 - 265 ($438)$118$321$35,756
266 ($438)$117$322$35,434
267 ($438)$115$323$35,111
268 ($438)$114$324$34,788
269 ($438)$113$325$34,463
270 ($438)$112$326$34,137
271 ($438)$111$327$33,810
272 ($438)$110$328$33,482
273 ($438)$109$329$33,153
274 ($438)$108$330$32,822
275 ($438)$107$331$32,491
276 ($438)$106$332$32,159
Year 24 - 277 ($438)$105$333$31,825
278 ($438)$104$335$31,491
279 ($438)$103$336$31,155
280 ($438)$102$337$30,818
281 ($438)$100$338$30,481
282 ($438)$99$339$30,142
283 ($438)$98$340$29,802
284 ($438)$97$341$29,460
285 ($438)$96$342$29,118
286 ($438)$95$343$28,775
287 ($438)$94$344$28,430
288 ($438)$93$346$28,085
Year 25 - 289 ($438)$92$347$27,738
290 ($438)$90$348$27,390
291 ($438)$89$349$27,041
292 ($438)$88$350$26,691
293 ($438)$87$351$26,340
294 ($438)$86$352$25,987
295 ($438)$85$354$25,634
296 ($438)$84$355$25,279
297 ($438)$82$356$24,923
298 ($438)$81$357$24,566
299 ($438)$80$358$24,208
300 ($438)$79$359$23,849
Year 26 - 301 ($438)$78$361$23,488
302 ($438)$77$362$23,126
303 ($438)$75$363$22,763
304 ($438)$74$364$22,399
305 ($438)$73$365$22,034
306 ($438)$72$366$21,668
307 ($438)$71$368$21,300
308 ($438)$69$369$20,931
309 ($438)$68$370$20,561
310 ($438)$67$371$20,190
311 ($438)$66$372$19,817
312 ($438)$65$374$19,444
Year 27 - 313 ($438)$63$375$19,069
314 ($438)$62$376$18,693
315 ($438)$61$377$18,315
316 ($438)$60$379$17,937
317 ($438)$58$380$17,557
318 ($438)$57$381$17,176
319 ($438)$56$382$16,794
320 ($438)$55$384$16,410
321 ($438)$53$385$16,026
322 ($438)$52$386$15,639
323 ($438)$51$387$15,252
324 ($438)$50$389$14,864
Year 28 - 325 ($438)$48$390$14,474
326 ($438)$47$391$14,083
327 ($438)$46$392$13,690
328 ($438)$45$394$13,297
329 ($438)$43$395$12,902
330 ($438)$42$396$12,506
331 ($438)$41$397$12,108
332 ($438)$39$399$11,709
333 ($438)$38$400$11,309
334 ($438)$37$401$10,908
335 ($438)$36$403$10,505
336 ($438)$34$404$10,101
Year 29 - 337 ($438)$33$405$9,696
338 ($438)$32$407$9,289
339 ($438)$30$408$8,881
340 ($438)$29$409$8,472
341 ($438)$28$411$8,061
342 ($438)$26$412$7,649
343 ($438)$25$413$7,236
344 ($438)$24$415$6,821
345 ($438)$22$416$6,405
346 ($438)$21$417$5,988
347 ($438)$20$419$5,569
348 ($438)$18$420$5,149
Year 30 - 349 ($438)$17$421$4,728
350 ($438)$15$423$4,305
351 ($438)$14$424$3,881
352 ($438)$13$426$3,455
353 ($438)$11$427$3,028
354 ($438)$10$428$2,600
355 ($438)$8$430$2,170
356 ($438)$7$431$1,739
357 ($438)$6$433$1,306
358 ($438)$4$434$872
359 ($438)$3$435$437
360 ($438)$1$437$0
TOTALS$64,966$92,800$157,766

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.