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Mortgage Payment Schedule for a $125,000 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 February 15, 2018. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($25,000) may require pre-mortgage insurance


4.38% is current rate for 30-year fixed
3.84% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$500 360 $79,849 $179,849

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $125,000
Down Payment $25,000$100,000
Year 1 - 1 ($500)$365$135$99,865
2 ($500)$365$135$99,730
3 ($500)$364$136$99,595
4 ($500)$364$136$99,459
5 ($500)$363$137$99,322
6 ($500)$363$137$99,185
7 ($500)$362$138$99,048
8 ($500)$362$138$98,910
9 ($500)$361$139$98,771
10 ($500)$361$139$98,632
11 ($500)$360$140$98,492
12 ($500)$359$140$98,352
Year 2 - 13 ($500)$359$141$98,212
14 ($500)$358$141$98,071
15 ($500)$358$142$97,929
16 ($500)$357$142$97,787
17 ($500)$357$143$97,644
18 ($500)$356$143$97,501
19 ($500)$356$144$97,357
20 ($500)$355$144$97,213
21 ($500)$355$145$97,068
22 ($500)$354$145$96,923
23 ($500)$354$146$96,777
24 ($500)$353$146$96,631
Year 3 - 25 ($500)$353$147$96,484
26 ($500)$352$147$96,337
27 ($500)$352$148$96,189
28 ($500)$351$148$96,040
29 ($500)$351$149$95,891
30 ($500)$350$150$95,741
31 ($500)$349$150$95,591
32 ($500)$349$151$95,441
33 ($500)$348$151$95,289
34 ($500)$348$152$95,138
35 ($500)$347$152$94,985
36 ($500)$347$153$94,832
Year 4 - 37 ($500)$346$153$94,679
38 ($500)$346$154$94,525
39 ($500)$345$155$94,370
40 ($500)$344$155$94,215
41 ($500)$344$156$94,060
42 ($500)$343$156$93,903
43 ($500)$343$157$93,747
44 ($500)$342$157$93,589
45 ($500)$342$158$93,431
46 ($500)$341$159$93,273
47 ($500)$340$159$93,113
48 ($500)$340$160$92,954
Year 5 - 49 ($500)$339$160$92,793
50 ($500)$339$161$92,633
51 ($500)$338$161$92,471
52 ($500)$338$162$92,309
53 ($500)$337$163$92,146
54 ($500)$336$163$91,983
55 ($500)$336$164$91,819
56 ($500)$335$164$91,655
57 ($500)$335$165$91,490
58 ($500)$334$166$91,324
59 ($500)$333$166$91,158
60 ($500)$333$167$90,991
Year 6 - 61 ($500)$332$167$90,824
62 ($500)$332$168$90,656
63 ($500)$331$169$90,487
64 ($500)$330$169$90,318
65 ($500)$330$170$90,148
66 ($500)$329$171$89,977
67 ($500)$328$171$89,806
68 ($500)$328$172$89,634
69 ($500)$327$172$89,462
70 ($500)$327$173$89,289
71 ($500)$326$174$89,115
72 ($500)$325$174$88,941
Year 7 - 73 ($500)$325$175$88,766
74 ($500)$324$176$88,590
75 ($500)$323$176$88,414
76 ($500)$323$177$88,237
77 ($500)$322$178$88,060
78 ($500)$321$178$87,881
79 ($500)$321$179$87,703
80 ($500)$320$179$87,523
81 ($500)$319$180$87,343
82 ($500)$319$181$87,162
83 ($500)$318$181$86,981
84 ($500)$317$182$86,799
Year 8 - 85 ($500)$317$183$86,616
86 ($500)$316$183$86,432
87 ($500)$315$184$86,248
88 ($500)$315$185$86,064
89 ($500)$314$185$85,878
90 ($500)$313$186$85,692
91 ($500)$313$187$85,505
92 ($500)$312$187$85,318
93 ($500)$311$188$85,130
94 ($500)$311$189$84,941
95 ($500)$310$190$84,751
96 ($500)$309$190$84,561
Year 9 - 97 ($500)$309$191$84,370
98 ($500)$308$192$84,178
99 ($500)$307$192$83,986
100 ($500)$307$193$83,793
101 ($500)$306$194$83,599
102 ($500)$305$194$83,405
103 ($500)$304$195$83,210
104 ($500)$304$196$83,014
105 ($500)$303$197$82,817
106 ($500)$302$197$82,620
107 ($500)$302$198$82,422
108 ($500)$301$199$82,223
Year 10 - 109 ($500)$300$199$82,024
110 ($500)$299$200$81,823
111 ($500)$299$201$81,623
112 ($500)$298$202$81,421
113 ($500)$297$202$81,218
114 ($500)$296$203$81,015
115 ($500)$296$204$80,811
116 ($500)$295$205$80,607
117 ($500)$294$205$80,402
118 ($500)$293$206$80,195
119 ($500)$293$207$79,989
120 ($500)$292$208$79,781
Year 11 - 121 ($500)$291$208$79,573
122 ($500)$290$209$79,363
123 ($500)$290$210$79,153
124 ($500)$289$211$78,943
125 ($500)$288$211$78,731
126 ($500)$287$212$78,519
127 ($500)$287$213$78,306
128 ($500)$286$214$78,092
129 ($500)$285$215$77,878
130 ($500)$284$215$77,663
131 ($500)$283$216$77,446
132 ($500)$283$217$77,230
Year 12 - 133 ($500)$282$218$77,012
134 ($500)$281$218$76,793
135 ($500)$280$219$76,574
136 ($500)$279$220$76,354
137 ($500)$279$221$76,133
138 ($500)$278$222$75,911
139 ($500)$277$223$75,689
140 ($500)$276$223$75,466
141 ($500)$275$224$75,241
142 ($500)$275$225$75,016
143 ($500)$274$226$74,791
144 ($500)$273$227$74,564
Year 13 - 145 ($500)$272$227$74,337
146 ($500)$271$228$74,108
147 ($500)$270$229$73,879
148 ($500)$270$230$73,649
149 ($500)$269$231$73,419
150 ($500)$268$232$73,187
151 ($500)$267$232$72,955
152 ($500)$266$233$72,721
153 ($500)$265$234$72,487
154 ($500)$265$235$72,252
155 ($500)$264$236$72,016
156 ($500)$263$237$71,780
Year 14 - 157 ($500)$262$238$71,542
158 ($500)$261$238$71,304
159 ($500)$260$239$71,064
160 ($500)$259$240$70,824
161 ($500)$259$241$70,583
162 ($500)$258$242$70,341
163 ($500)$257$243$70,098
164 ($500)$256$244$69,854
165 ($500)$255$245$69,610
166 ($500)$254$246$69,364
167 ($500)$253$246$69,118
168 ($500)$252$247$68,871
Year 15 - 169 ($500)$251$248$68,622
170 ($500)$250$249$68,373
171 ($500)$250$250$68,123
172 ($500)$249$251$67,872
173 ($500)$248$252$67,621
174 ($500)$247$253$67,368
175 ($500)$246$254$67,114
176 ($500)$245$255$66,859
177 ($500)$244$256$66,604
178 ($500)$243$256$66,347
179 ($500)$242$257$66,090
180 ($500)$241$258$65,832
Year 16 - 181 ($500)$240$259$65,572
182 ($500)$239$260$65,312
183 ($500)$238$261$65,051
184 ($500)$237$262$64,789
185 ($500)$236$263$64,526
186 ($500)$236$264$64,262
187 ($500)$235$265$63,997
188 ($500)$234$266$63,731
189 ($500)$233$267$63,464
190 ($500)$232$268$63,196
191 ($500)$231$269$62,927
192 ($500)$230$270$62,657
Year 17 - 193 ($500)$229$271$62,386
194 ($500)$228$272$62,114
195 ($500)$227$273$61,841
196 ($500)$226$274$61,567
197 ($500)$225$275$61,293
198 ($500)$224$276$61,017
199 ($500)$223$277$60,740
200 ($500)$222$278$60,462
201 ($500)$221$279$60,183
202 ($500)$220$280$59,903
203 ($500)$219$281$59,622
204 ($500)$218$282$59,340
Year 18 - 205 ($500)$217$283$59,057
206 ($500)$216$284$58,773
207 ($500)$215$285$58,488
208 ($500)$213$286$58,202
209 ($500)$212$287$57,915
210 ($500)$211$288$57,627
211 ($500)$210$289$57,338
212 ($500)$209$290$57,047
213 ($500)$208$291$56,756
214 ($500)$207$292$56,463
215 ($500)$206$293$56,170
216 ($500)$205$295$55,875
Year 19 - 217 ($500)$204$296$55,580
218 ($500)$203$297$55,283
219 ($500)$202$298$54,985
220 ($500)$201$299$54,686
221 ($500)$200$300$54,386
222 ($500)$199$301$54,085
223 ($500)$197$302$53,783
224 ($500)$196$303$53,480
225 ($500)$195$304$53,176
226 ($500)$194$305$52,870
227 ($500)$193$307$52,563
228 ($500)$192$308$52,256
Year 20 - 229 ($500)$191$309$51,947
230 ($500)$190$310$51,637
231 ($500)$188$311$51,326
232 ($500)$187$312$51,014
233 ($500)$186$313$50,700
234 ($500)$185$315$50,386
235 ($500)$184$316$50,070
236 ($500)$183$317$49,753
237 ($500)$182$318$49,435
238 ($500)$180$319$49,116
239 ($500)$179$320$48,796
240 ($500)$178$321$48,474
Year 21 - 241 ($500)$177$323$48,152
242 ($500)$176$324$47,828
243 ($500)$175$325$47,503
244 ($500)$173$326$47,177
245 ($500)$172$327$46,849
246 ($500)$171$329$46,521
247 ($500)$170$330$46,191
248 ($500)$169$331$45,860
249 ($500)$167$332$45,528
250 ($500)$166$333$45,194
251 ($500)$165$335$44,860
252 ($500)$164$336$44,524
Year 22 - 253 ($500)$163$337$44,187
254 ($500)$161$338$43,848
255 ($500)$160$340$43,509
256 ($500)$159$341$43,168
257 ($500)$158$342$42,826
258 ($500)$156$343$42,483
259 ($500)$155$345$42,138
260 ($500)$154$346$41,793
261 ($500)$153$347$41,446
262 ($500)$151$348$41,097
263 ($500)$150$350$40,748
264 ($500)$149$351$40,397
Year 23 - 265 ($500)$147$352$40,045
266 ($500)$146$353$39,691
267 ($500)$145$355$39,337
268 ($500)$144$356$38,981
269 ($500)$142$357$38,623
270 ($500)$141$359$38,265
271 ($500)$140$360$37,905
272 ($500)$138$361$37,543
273 ($500)$137$363$37,181
274 ($500)$136$364$36,817
275 ($500)$134$365$36,452
276 ($500)$133$367$36,085
Year 24 - 277 ($500)$132$368$35,717
278 ($500)$130$369$35,348
279 ($500)$129$371$34,978
280 ($500)$128$372$34,606
281 ($500)$126$373$34,232
282 ($500)$125$375$33,858
283 ($500)$124$376$33,482
284 ($500)$122$377$33,104
285 ($500)$121$379$32,726
286 ($500)$119$380$32,346
287 ($500)$118$382$31,964
288 ($500)$117$383$31,581
Year 25 - 289 ($500)$115$384$31,197
290 ($500)$114$386$30,811
291 ($500)$112$387$30,424
292 ($500)$111$389$30,036
293 ($500)$110$390$29,646
294 ($500)$108$391$29,254
295 ($500)$107$393$28,861
296 ($500)$105$394$28,467
297 ($500)$104$396$28,071
298 ($500)$102$397$27,674
299 ($500)$101$399$27,276
300 ($500)$100$400$26,876
Year 26 - 301 ($500)$98$401$26,474
302 ($500)$97$403$26,071
303 ($500)$95$404$25,667
304 ($500)$94$406$25,261
305 ($500)$92$407$24,854
306 ($500)$91$409$24,445
307 ($500)$89$410$24,034
308 ($500)$88$412$23,623
309 ($500)$86$413$23,209
310 ($500)$85$415$22,794
311 ($500)$83$416$22,378
312 ($500)$82$418$21,960
Year 27 - 313 ($500)$80$419$21,541
314 ($500)$79$421$21,120
315 ($500)$77$422$20,697
316 ($500)$76$424$20,273
317 ($500)$74$426$19,848
318 ($500)$72$427$19,420
319 ($500)$71$429$18,992
320 ($500)$69$430$18,561
321 ($500)$68$432$18,130
322 ($500)$66$433$17,696
323 ($500)$65$435$17,261
324 ($500)$63$437$16,825
Year 28 - 325 ($500)$61$438$16,386
326 ($500)$60$440$15,947
327 ($500)$58$441$15,505
328 ($500)$57$443$15,062
329 ($500)$55$445$14,618
330 ($500)$53$446$14,172
331 ($500)$52$448$13,724
332 ($500)$50$449$13,274
333 ($500)$48$451$12,823
334 ($500)$47$453$12,370
335 ($500)$45$454$11,916
336 ($500)$43$456$11,460
Year 29 - 337 ($500)$42$458$11,002
338 ($500)$40$459$10,543
339 ($500)$38$461$10,081
340 ($500)$37$463$9,619
341 ($500)$35$464$9,154
342 ($500)$33$466$8,688
343 ($500)$32$468$8,220
344 ($500)$30$470$7,751
345 ($500)$28$471$7,279
346 ($500)$27$473$6,806
347 ($500)$25$475$6,332
348 ($500)$23$476$5,855
Year 30 - 349 ($500)$21$478$5,377
350 ($500)$20$480$4,897
351 ($500)$18$482$4,415
352 ($500)$16$483$3,932
353 ($500)$14$485$3,447
354 ($500)$13$487$2,960
355 ($500)$11$489$2,471
356 ($500)$9$491$1,980
357 ($500)$7$492$1,488
358 ($500)$5$494$994
359 ($500)$4$496$498
360 ($500)$2$498$0
TOTALS$79,849$100,000$179,849

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.