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Mortgage Payment Schedule for a $123,000 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 19, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($24,600) may require pre-mortgage insurance


3.88% is current rate for 30-year fixed
3.19% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$463 360 $68,278 $166,678

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,176 or less (zip code: 20149)


$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.778% | Rate: 3.750% | Fees: $860 | 30 day rate lock

NMLS #: 3232 | State Lic #: MC-1532
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.875% | Rate: 3.875% | Fees: $0 | 40 day rate lock

NMLS #: 227765 | State Lic #: MC-5920
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.125% | Rate: 4.125% | Fees: $0 | 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

$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.773% | Rate: 3.750% | Fees: $695 | 30 day rate lock

$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.776% | Rate: 3.750% | Fees: $795 | 45 day rate lock

NMLS #: 790396
$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 #: 244476 | State Lic #: MC-5877
$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 #: 417490
$1,192 /mo
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30 yr fixed mtg, 0 points | APR: 3.999% | Rate: 3.990% | Fees: $270 | 30 day rate lock

NMLS #: 181005
$1,192 /mo
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30 yr fixed mtg, 0 points | APR: 4.019% | Rate: 3.990% | 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  $123,000
Down Payment $24,600$98,400
Year 1 - 1 ($463)$318$145$98,255
2 ($463)$318$145$98,110
3 ($463)$317$146$97,964
4 ($463)$317$146$97,818
5 ($463)$316$147$97,671
6 ($463)$316$147$97,524
7 ($463)$315$148$97,376
8 ($463)$315$148$97,228
9 ($463)$314$149$97,080
10 ($463)$314$149$96,930
11 ($463)$313$150$96,781
12 ($463)$313$150$96,631
Year 2 - 13 ($463)$312$151$96,480
14 ($463)$312$151$96,329
15 ($463)$311$152$96,178
16 ($463)$311$152$96,026
17 ($463)$310$153$95,873
18 ($463)$310$153$95,720
19 ($463)$309$153$95,567
20 ($463)$309$154$95,413
21 ($463)$309$154$95,258
22 ($463)$308$155$95,103
23 ($463)$307$155$94,948
24 ($463)$307$156$94,792
Year 3 - 25 ($463)$306$157$94,635
26 ($463)$306$157$94,478
27 ($463)$305$158$94,321
28 ($463)$305$158$94,163
29 ($463)$304$159$94,004
30 ($463)$304$159$93,845
31 ($463)$303$160$93,685
32 ($463)$303$160$93,525
33 ($463)$302$161$93,365
34 ($463)$302$161$93,204
35 ($463)$301$162$93,042
36 ($463)$301$162$92,880
Year 4 - 37 ($463)$300$163$92,717
38 ($463)$300$163$92,554
39 ($463)$299$164$92,390
40 ($463)$299$164$92,226
41 ($463)$298$165$92,061
42 ($463)$298$165$91,896
43 ($463)$297$166$91,730
44 ($463)$297$166$91,564
45 ($463)$296$167$91,397
46 ($463)$296$167$91,229
47 ($463)$295$168$91,061
48 ($463)$294$169$90,893
Year 5 - 49 ($463)$294$169$90,723
50 ($463)$293$170$90,554
51 ($463)$293$170$90,384
52 ($463)$292$171$90,213
53 ($463)$292$171$90,041
54 ($463)$291$172$89,870
55 ($463)$291$172$89,697
56 ($463)$290$173$89,524
57 ($463)$289$174$89,351
58 ($463)$289$174$89,177
59 ($463)$288$175$89,002
60 ($463)$288$175$88,827
Year 6 - 61 ($463)$287$176$88,651
62 ($463)$287$176$88,475
63 ($463)$286$177$88,298
64 ($463)$285$177$88,120
65 ($463)$285$178$87,942
66 ($463)$284$179$87,763
67 ($463)$284$179$87,584
68 ($463)$283$180$87,404
69 ($463)$283$180$87,224
70 ($463)$282$181$87,043
71 ($463)$281$182$86,861
72 ($463)$281$182$86,679
Year 7 - 73 ($463)$280$183$86,497
74 ($463)$280$183$86,313
75 ($463)$279$184$86,129
76 ($463)$278$185$85,945
77 ($463)$278$185$85,760
78 ($463)$277$186$85,574
79 ($463)$277$186$85,388
80 ($463)$276$187$85,201
81 ($463)$275$188$85,013
82 ($463)$275$188$84,825
83 ($463)$274$189$84,636
84 ($463)$274$189$84,447
Year 8 - 85 ($463)$273$190$84,257
86 ($463)$272$191$84,067
87 ($463)$272$191$83,875
88 ($463)$271$192$83,684
89 ($463)$271$192$83,491
90 ($463)$270$193$83,298
91 ($463)$269$194$83,105
92 ($463)$269$194$82,910
93 ($463)$268$195$82,715
94 ($463)$267$196$82,520
95 ($463)$267$196$82,324
96 ($463)$266$197$82,127
Year 9 - 97 ($463)$266$197$81,929
98 ($463)$265$198$81,731
99 ($463)$264$199$81,533
100 ($463)$264$199$81,333
101 ($463)$263$200$81,133
102 ($463)$262$201$80,932
103 ($463)$262$201$80,731
104 ($463)$261$202$80,529
105 ($463)$260$203$80,327
106 ($463)$260$203$80,123
107 ($463)$259$204$79,919
108 ($463)$258$205$79,715
Year 10 - 109 ($463)$258$205$79,510
110 ($463)$257$206$79,304
111 ($463)$256$207$79,097
112 ($463)$256$207$78,890
113 ($463)$255$208$78,682
114 ($463)$254$209$78,473
115 ($463)$254$209$78,264
116 ($463)$253$210$78,054
117 ($463)$252$211$77,843
118 ($463)$252$211$77,632
119 ($463)$251$212$77,420
120 ($463)$250$213$77,208
Year 11 - 121 ($463)$250$213$76,994
122 ($463)$249$214$76,780
123 ($463)$248$215$76,565
124 ($463)$248$215$76,350
125 ($463)$247$216$76,134
126 ($463)$246$217$75,917
127 ($463)$245$218$75,699
128 ($463)$245$218$75,481
129 ($463)$244$219$75,262
130 ($463)$243$220$75,043
131 ($463)$243$220$74,822
132 ($463)$242$221$74,601
Year 12 - 133 ($463)$241$222$74,379
134 ($463)$240$223$74,157
135 ($463)$240$223$73,934
136 ($463)$239$224$73,710
137 ($463)$238$225$73,485
138 ($463)$238$225$73,260
139 ($463)$237$226$73,034
140 ($463)$236$227$72,807
141 ($463)$235$228$72,579
142 ($463)$235$228$72,351
143 ($463)$234$229$72,122
144 ($463)$233$230$71,892
Year 13 - 145 ($463)$232$231$71,661
146 ($463)$232$231$71,430
147 ($463)$231$232$71,198
148 ($463)$230$233$70,965
149 ($463)$229$234$70,732
150 ($463)$229$234$70,497
151 ($463)$228$235$70,262
152 ($463)$227$236$70,027
153 ($463)$226$237$69,790
154 ($463)$226$237$69,553
155 ($463)$225$238$69,315
156 ($463)$224$239$69,076
Year 14 - 157 ($463)$223$240$68,836
158 ($463)$223$240$68,596
159 ($463)$222$241$68,354
160 ($463)$221$242$68,112
161 ($463)$220$243$67,870
162 ($463)$219$244$67,626
163 ($463)$219$244$67,382
164 ($463)$218$245$67,137
165 ($463)$217$246$66,891
166 ($463)$216$247$66,644
167 ($463)$215$248$66,396
168 ($463)$215$248$66,148
Year 15 - 169 ($463)$214$249$65,899
170 ($463)$213$250$65,649
171 ($463)$212$251$65,398
172 ($463)$211$252$65,147
173 ($463)$211$252$64,895
174 ($463)$210$253$64,641
175 ($463)$209$254$64,387
176 ($463)$208$255$64,133
177 ($463)$207$256$63,877
178 ($463)$207$256$63,620
179 ($463)$206$257$63,363
180 ($463)$205$258$63,105
Year 16 - 181 ($463)$204$259$62,846
182 ($463)$203$260$62,586
183 ($463)$202$261$62,326
184 ($463)$202$261$62,064
185 ($463)$201$262$61,802
186 ($463)$200$263$61,539
187 ($463)$199$264$61,275
188 ($463)$198$265$61,010
189 ($463)$197$266$60,744
190 ($463)$196$267$60,477
191 ($463)$196$267$60,210
192 ($463)$195$268$59,942
Year 17 - 193 ($463)$194$269$59,673
194 ($463)$193$270$59,402
195 ($463)$192$271$59,132
196 ($463)$191$272$58,860
197 ($463)$190$273$58,587
198 ($463)$189$274$58,314
199 ($463)$189$274$58,039
200 ($463)$188$275$57,764
201 ($463)$187$276$57,488
202 ($463)$186$277$57,210
203 ($463)$185$278$56,932
204 ($463)$184$279$56,653
Year 18 - 205 ($463)$183$280$56,374
206 ($463)$182$281$56,093
207 ($463)$181$282$55,811
208 ($463)$180$283$55,529
209 ($463)$180$283$55,245
210 ($463)$179$284$54,961
211 ($463)$178$285$54,676
212 ($463)$177$286$54,389
213 ($463)$176$287$54,102
214 ($463)$175$288$53,814
215 ($463)$174$289$53,525
216 ($463)$173$290$53,235
Year 19 - 217 ($463)$172$291$52,944
218 ($463)$171$292$52,653
219 ($463)$170$293$52,360
220 ($463)$169$294$52,066
221 ($463)$168$295$51,772
222 ($463)$167$296$51,476
223 ($463)$166$297$51,179
224 ($463)$165$298$50,882
225 ($463)$165$298$50,583
226 ($463)$164$299$50,284
227 ($463)$163$300$49,984
228 ($463)$162$301$49,682
Year 20 - 229 ($463)$161$302$49,380
230 ($463)$160$303$49,076
231 ($463)$159$304$48,772
232 ($463)$158$305$48,467
233 ($463)$157$306$48,161
234 ($463)$156$307$47,853
235 ($463)$155$308$47,545
236 ($463)$154$309$47,236
237 ($463)$153$310$46,926
238 ($463)$152$311$46,614
239 ($463)$151$312$46,302
240 ($463)$150$313$45,989
Year 21 - 241 ($463)$149$314$45,674
242 ($463)$148$315$45,359
243 ($463)$147$316$45,043
244 ($463)$146$317$44,725
245 ($463)$145$318$44,407
246 ($463)$144$319$44,088
247 ($463)$143$320$43,767
248 ($463)$142$321$43,446
249 ($463)$140$323$43,123
250 ($463)$139$324$42,800
251 ($463)$138$325$42,475
252 ($463)$137$326$42,149
Year 22 - 253 ($463)$136$327$41,823
254 ($463)$135$328$41,495
255 ($463)$134$329$41,166
256 ($463)$133$330$40,836
257 ($463)$132$331$40,505
258 ($463)$131$332$40,173
259 ($463)$130$333$39,840
260 ($463)$129$334$39,506
261 ($463)$128$335$39,171
262 ($463)$127$336$38,834
263 ($463)$126$337$38,497
264 ($463)$124$339$38,158
Year 23 - 265 ($463)$123$340$37,819
266 ($463)$122$341$37,478
267 ($463)$121$342$37,136
268 ($463)$120$343$36,793
269 ($463)$119$344$36,449
270 ($463)$118$345$36,104
271 ($463)$117$346$35,758
272 ($463)$116$347$35,410
273 ($463)$114$349$35,062
274 ($463)$113$350$34,712
275 ($463)$112$351$34,362
276 ($463)$111$352$34,010
Year 24 - 277 ($463)$110$353$33,657
278 ($463)$109$354$33,302
279 ($463)$108$355$32,947
280 ($463)$107$356$32,591
281 ($463)$105$358$32,233
282 ($463)$104$359$31,874
283 ($463)$103$360$31,514
284 ($463)$102$361$31,153
285 ($463)$101$362$30,791
286 ($463)$100$363$30,428
287 ($463)$98$365$30,063
288 ($463)$97$366$29,697
Year 25 - 289 ($463)$96$367$29,330
290 ($463)$95$368$28,962
291 ($463)$94$369$28,593
292 ($463)$92$371$28,222
293 ($463)$91$372$27,850
294 ($463)$90$373$27,477
295 ($463)$89$374$27,103
296 ($463)$88$375$26,728
297 ($463)$86$377$26,351
298 ($463)$85$378$25,974
299 ($463)$84$379$25,594
300 ($463)$83$380$25,214
Year 26 - 301 ($463)$82$381$24,833
302 ($463)$80$383$24,450
303 ($463)$79$384$24,066
304 ($463)$78$385$23,681
305 ($463)$77$386$23,295
306 ($463)$75$388$22,907
307 ($463)$74$389$22,518
308 ($463)$73$390$22,128
309 ($463)$72$391$21,736
310 ($463)$70$393$21,344
311 ($463)$69$394$20,950
312 ($463)$68$395$20,554
Year 27 - 313 ($463)$66$397$20,158
314 ($463)$65$398$19,760
315 ($463)$64$399$19,361
316 ($463)$63$400$18,960
317 ($463)$61$402$18,559
318 ($463)$60$403$18,156
319 ($463)$59$404$17,752
320 ($463)$57$406$17,346
321 ($463)$56$407$16,939
322 ($463)$55$408$16,531
323 ($463)$53$410$16,121
324 ($463)$52$411$15,710
Year 28 - 325 ($463)$51$412$15,298
326 ($463)$49$414$14,885
327 ($463)$48$415$14,470
328 ($463)$47$416$14,054
329 ($463)$45$418$13,636
330 ($463)$44$419$13,217
331 ($463)$43$420$12,797
332 ($463)$41$422$12,375
333 ($463)$40$423$11,952
334 ($463)$39$424$11,528
335 ($463)$37$426$11,102
336 ($463)$36$427$10,675
Year 29 - 337 ($463)$35$428$10,247
338 ($463)$33$430$9,817
339 ($463)$32$431$9,385
340 ($463)$30$433$8,953
341 ($463)$29$434$8,519
342 ($463)$28$435$8,083
343 ($463)$26$437$7,646
344 ($463)$25$438$7,208
345 ($463)$23$440$6,769
346 ($463)$22$441$6,327
347 ($463)$20$443$5,885
348 ($463)$19$444$5,441
Year 30 - 349 ($463)$18$445$4,996
350 ($463)$16$447$4,549
351 ($463)$15$448$4,100
352 ($463)$13$450$3,651
353 ($463)$12$451$3,199
354 ($463)$10$453$2,747
355 ($463)$9$454$2,293
356 ($463)$7$456$1,837
357 ($463)$6$457$1,380
358 ($463)$4$459$922
359 ($463)$3$460$462
360 ($463)$1$462$0
TOTALS$68,278$98,400$166,678

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.