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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 November 30, 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


3.9% is current rate for 30-year fixed
3.3% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$464 360 $68,684 $167,084

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,179 or less (zip code: 20149)


NMLS #: 1023 | State Lic #: MC-5814
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.750% | Rate: 3.750% | Fees: $0 | 45 day rate lock

NMLS #: 3232 | State Lic #: MC-1532
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.750% | Rate: 3.750% | Fees: $0 | 40 day rate lock

NMLS #: 66247 | State Lic #: MC-1825
$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 #: 541760
$1,168 /mo
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30 yr fixed mtg, 0 points | APR: 3.860% | Rate: 3.825% | Fees: $1,074 | 30 day rate lock

NMLS #: 1256692 | State Lic #: MC-5920
$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 #: 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 #: 412915
$1,230 /mo
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30 yr fixed mtg, 0 points | APR: 4.308% | Rate: 4.250% | Fees: $1,710 | 60 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

$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 #: 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: 3.993% | Rate: 3.990% | Fees: $85 | 30 day rate lock

NMLS #: 2925 | State Lic #: MC-1875
$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.010% | Rate: 4.000% | Fees: $299 | 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: $865 | 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 ($464)$320$144$98,256
2 ($464)$319$145$98,111
3 ($464)$319$145$97,966
4 ($464)$318$146$97,820
5 ($464)$318$146$97,674
6 ($464)$317$147$97,527
7 ($464)$317$147$97,380
8 ($464)$316$148$97,232
9 ($464)$316$148$97,084
10 ($464)$316$149$96,935
11 ($464)$315$149$96,786
12 ($464)$315$150$96,637
Year 2 - 13 ($464)$314$150$96,487
14 ($464)$314$151$96,336
15 ($464)$313$151$96,185
16 ($464)$313$152$96,034
17 ($464)$312$152$95,882
18 ($464)$312$153$95,729
19 ($464)$311$153$95,576
20 ($464)$311$153$95,423
21 ($464)$310$154$95,269
22 ($464)$310$154$95,114
23 ($464)$309$155$94,959
24 ($464)$309$156$94,804
Year 3 - 25 ($464)$308$156$94,648
26 ($464)$308$157$94,491
27 ($464)$307$157$94,334
28 ($464)$307$158$94,177
29 ($464)$306$158$94,019
30 ($464)$306$159$93,860
31 ($464)$305$159$93,701
32 ($464)$305$160$93,541
33 ($464)$304$160$93,381
34 ($464)$303$161$93,221
35 ($464)$303$161$93,059
36 ($464)$302$162$92,898
Year 4 - 37 ($464)$302$162$92,736
38 ($464)$301$163$92,573
39 ($464)$301$163$92,410
40 ($464)$300$164$92,246
41 ($464)$300$164$92,081
42 ($464)$299$165$91,917
43 ($464)$299$165$91,751
44 ($464)$298$166$91,585
45 ($464)$298$166$91,419
46 ($464)$297$167$91,252
47 ($464)$297$168$91,084
48 ($464)$296$168$90,916
Year 5 - 49 ($464)$295$169$90,747
50 ($464)$295$169$90,578
51 ($464)$294$170$90,409
52 ($464)$294$170$90,238
53 ($464)$293$171$90,067
54 ($464)$293$171$89,896
55 ($464)$292$172$89,724
56 ($464)$292$173$89,552
57 ($464)$291$173$89,378
58 ($464)$290$174$89,205
59 ($464)$290$174$89,031
60 ($464)$289$175$88,856
Year 6 - 61 ($464)$289$175$88,680
62 ($464)$288$176$88,505
63 ($464)$288$176$88,328
64 ($464)$287$177$88,151
65 ($464)$286$178$87,973
66 ($464)$286$178$87,795
67 ($464)$285$179$87,616
68 ($464)$285$179$87,437
69 ($464)$284$180$87,257
70 ($464)$284$181$87,077
71 ($464)$283$181$86,895
72 ($464)$282$182$86,714
Year 7 - 73 ($464)$282$182$86,531
74 ($464)$281$183$86,349
75 ($464)$281$183$86,165
76 ($464)$280$184$85,981
77 ($464)$279$185$85,796
78 ($464)$279$185$85,611
79 ($464)$278$186$85,425
80 ($464)$278$186$85,239
81 ($464)$277$187$85,052
82 ($464)$276$188$84,864
83 ($464)$276$188$84,675
84 ($464)$275$189$84,487
Year 8 - 85 ($464)$275$190$84,297
86 ($464)$274$190$84,107
87 ($464)$273$191$83,916
88 ($464)$273$191$83,725
89 ($464)$272$192$83,533
90 ($464)$271$193$83,340
91 ($464)$271$193$83,147
92 ($464)$270$194$82,953
93 ($464)$270$195$82,758
94 ($464)$269$195$82,563
95 ($464)$268$196$82,367
96 ($464)$268$196$82,171
Year 9 - 97 ($464)$267$197$81,974
98 ($464)$266$198$81,776
99 ($464)$266$198$81,578
100 ($464)$265$199$81,379
101 ($464)$264$200$81,179
102 ($464)$264$200$80,979
103 ($464)$263$201$80,778
104 ($464)$263$202$80,576
105 ($464)$262$202$80,374
106 ($464)$261$203$80,171
107 ($464)$261$204$79,968
108 ($464)$260$204$79,763
Year 10 - 109 ($464)$259$205$79,559
110 ($464)$259$206$79,353
111 ($464)$258$206$79,147
112 ($464)$257$207$78,940
113 ($464)$257$208$78,732
114 ($464)$256$208$78,524
115 ($464)$255$209$78,315
116 ($464)$255$210$78,106
117 ($464)$254$210$77,895
118 ($464)$253$211$77,684
119 ($464)$252$212$77,473
120 ($464)$252$212$77,260
Year 11 - 121 ($464)$251$213$77,047
122 ($464)$250$214$76,834
123 ($464)$250$214$76,619
124 ($464)$249$215$76,404
125 ($464)$248$216$76,188
126 ($464)$248$217$75,972
127 ($464)$247$217$75,755
128 ($464)$246$218$75,537
129 ($464)$245$219$75,318
130 ($464)$245$219$75,099
131 ($464)$244$220$74,879
132 ($464)$243$221$74,658
Year 12 - 133 ($464)$243$221$74,436
134 ($464)$242$222$74,214
135 ($464)$241$223$73,991
136 ($464)$240$224$73,768
137 ($464)$240$224$73,543
138 ($464)$239$225$73,318
139 ($464)$238$226$73,092
140 ($464)$238$227$72,866
141 ($464)$237$227$72,638
142 ($464)$236$228$72,410
143 ($464)$235$229$72,182
144 ($464)$235$230$71,952
Year 13 - 145 ($464)$234$230$71,722
146 ($464)$233$231$71,491
147 ($464)$232$232$71,259
148 ($464)$232$233$71,026
149 ($464)$231$233$70,793
150 ($464)$230$234$70,559
151 ($464)$229$235$70,324
152 ($464)$229$236$70,089
153 ($464)$228$236$69,852
154 ($464)$227$237$69,615
155 ($464)$226$238$69,377
156 ($464)$225$239$69,139
Year 14 - 157 ($464)$225$239$68,899
158 ($464)$224$240$68,659
159 ($464)$223$241$68,418
160 ($464)$222$242$68,176
161 ($464)$222$243$67,934
162 ($464)$221$243$67,691
163 ($464)$220$244$67,446
164 ($464)$219$245$67,201
165 ($464)$218$246$66,956
166 ($464)$218$247$66,709
167 ($464)$217$247$66,462
168 ($464)$216$248$66,214
Year 15 - 169 ($464)$215$249$65,965
170 ($464)$214$250$65,715
171 ($464)$214$251$65,465
172 ($464)$213$251$65,213
173 ($464)$212$252$64,961
174 ($464)$211$253$64,708
175 ($464)$210$254$64,454
176 ($464)$209$255$64,200
177 ($464)$209$255$63,944
178 ($464)$208$256$63,688
179 ($464)$207$257$63,431
180 ($464)$206$258$63,173
Year 16 - 181 ($464)$205$259$62,914
182 ($464)$204$260$62,654
183 ($464)$204$260$62,394
184 ($464)$203$261$62,132
185 ($464)$202$262$61,870
186 ($464)$201$263$61,607
187 ($464)$200$264$61,343
188 ($464)$199$265$61,079
189 ($464)$199$266$60,813
190 ($464)$198$266$60,546
191 ($464)$197$267$60,279
192 ($464)$196$268$60,011
Year 17 - 193 ($464)$195$269$59,742
194 ($464)$194$270$59,472
195 ($464)$193$271$59,201
196 ($464)$192$272$58,929
197 ($464)$192$273$58,657
198 ($464)$191$273$58,383
199 ($464)$190$274$58,109
200 ($464)$189$275$57,834
201 ($464)$188$276$57,557
202 ($464)$187$277$57,280
203 ($464)$186$278$57,002
204 ($464)$185$279$56,723
Year 18 - 205 ($464)$184$280$56,444
206 ($464)$183$281$56,163
207 ($464)$183$282$55,881
208 ($464)$182$283$55,599
209 ($464)$181$283$55,316
210 ($464)$180$284$55,031
211 ($464)$179$285$54,746
212 ($464)$178$286$54,460
213 ($464)$177$287$54,173
214 ($464)$176$288$53,885
215 ($464)$175$289$53,596
216 ($464)$174$290$53,306
Year 19 - 217 ($464)$173$291$53,015
218 ($464)$172$292$52,723
219 ($464)$171$293$52,430
220 ($464)$170$294$52,136
221 ($464)$169$295$51,842
222 ($464)$168$296$51,546
223 ($464)$168$297$51,249
224 ($464)$167$298$50,952
225 ($464)$166$299$50,653
226 ($464)$165$299$50,354
227 ($464)$164$300$50,053
228 ($464)$163$301$49,752
Year 20 - 229 ($464)$162$302$49,450
230 ($464)$161$303$49,146
231 ($464)$160$304$48,842
232 ($464)$159$305$48,536
233 ($464)$158$306$48,230
234 ($464)$157$307$47,923
235 ($464)$156$308$47,614
236 ($464)$155$309$47,305
237 ($464)$154$310$46,994
238 ($464)$153$311$46,683
239 ($464)$152$312$46,371
240 ($464)$151$313$46,057
Year 21 - 241 ($464)$150$314$45,743
242 ($464)$149$315$45,427
243 ($464)$148$316$45,111
244 ($464)$147$318$44,793
245 ($464)$146$319$44,475
246 ($464)$145$320$44,155
247 ($464)$144$321$43,835
248 ($464)$142$322$43,513
249 ($464)$141$323$43,190
250 ($464)$140$324$42,867
251 ($464)$139$325$42,542
252 ($464)$138$326$42,216
Year 22 - 253 ($464)$137$327$41,889
254 ($464)$136$328$41,561
255 ($464)$135$329$41,232
256 ($464)$134$330$40,902
257 ($464)$133$331$40,571
258 ($464)$132$332$40,238
259 ($464)$131$333$39,905
260 ($464)$130$334$39,571
261 ($464)$129$336$39,235
262 ($464)$128$337$38,898
263 ($464)$126$338$38,561
264 ($464)$125$339$38,222
Year 23 - 265 ($464)$124$340$37,882
266 ($464)$123$341$37,541
267 ($464)$122$342$37,199
268 ($464)$121$343$36,856
269 ($464)$120$344$36,511
270 ($464)$119$345$36,166
271 ($464)$118$347$35,819
272 ($464)$116$348$35,472
273 ($464)$115$349$35,123
274 ($464)$114$350$34,773
275 ($464)$113$351$34,422
276 ($464)$112$352$34,069
Year 24 - 277 ($464)$111$353$33,716
278 ($464)$110$355$33,361
279 ($464)$108$356$33,006
280 ($464)$107$357$32,649
281 ($464)$106$358$32,291
282 ($464)$105$359$31,932
283 ($464)$104$360$31,571
284 ($464)$103$362$31,210
285 ($464)$101$363$30,847
286 ($464)$100$364$30,483
287 ($464)$99$365$30,118
288 ($464)$98$366$29,752
Year 25 - 289 ($464)$97$367$29,385
290 ($464)$95$369$29,016
291 ($464)$94$370$28,646
292 ($464)$93$371$28,275
293 ($464)$92$372$27,903
294 ($464)$91$373$27,529
295 ($464)$89$375$27,155
296 ($464)$88$376$26,779
297 ($464)$87$377$26,402
298 ($464)$86$378$26,024
299 ($464)$85$380$25,644
300 ($464)$83$381$25,263
Year 26 - 301 ($464)$82$382$24,881
302 ($464)$81$383$24,498
303 ($464)$80$385$24,113
304 ($464)$78$386$23,728
305 ($464)$77$387$23,341
306 ($464)$76$388$22,952
307 ($464)$75$390$22,563
308 ($464)$73$391$22,172
309 ($464)$72$392$21,780
310 ($464)$71$393$21,387
311 ($464)$70$395$20,992
312 ($464)$68$396$20,596
Year 27 - 313 ($464)$67$397$20,199
314 ($464)$66$398$19,801
315 ($464)$64$400$19,401
316 ($464)$63$401$19,000
317 ($464)$62$402$18,597
318 ($464)$60$404$18,194
319 ($464)$59$405$17,789
320 ($464)$58$406$17,382
321 ($464)$56$408$16,975
322 ($464)$55$409$16,566
323 ($464)$54$410$16,155
324 ($464)$53$412$15,744
Year 28 - 325 ($464)$51$413$15,331
326 ($464)$50$414$14,917
327 ($464)$48$416$14,501
328 ($464)$47$417$14,084
329 ($464)$46$418$13,666
330 ($464)$44$420$13,246
331 ($464)$43$421$12,825
332 ($464)$42$422$12,402
333 ($464)$40$424$11,979
334 ($464)$39$425$11,553
335 ($464)$38$427$11,127
336 ($464)$36$428$10,699
Year 29 - 337 ($464)$35$429$10,270
338 ($464)$33$431$9,839
339 ($464)$32$432$9,407
340 ($464)$31$434$8,973
341 ($464)$29$435$8,538
342 ($464)$28$436$8,102
343 ($464)$26$438$7,664
344 ($464)$25$439$7,225
345 ($464)$23$441$6,784
346 ($464)$22$442$6,342
347 ($464)$21$444$5,899
348 ($464)$19$445$5,454
Year 30 - 349 ($464)$18$446$5,007
350 ($464)$16$448$4,559
351 ($464)$15$449$4,110
352 ($464)$13$451$3,659
353 ($464)$12$452$3,207
354 ($464)$10$454$2,753
355 ($464)$9$455$2,298
356 ($464)$7$457$1,841
357 ($464)$6$458$1,383
358 ($464)$4$460$924
359 ($464)$3$461$463
360 ($464)$2$463$0
TOTALS$68,684$98,400$167,084

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.