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Mortgage Payment Schedule for a $130,000 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 April 13, 2017. Check Lending Tree to see current rates from multiple lenders.

Mortgage Parameters


Less than 20% ($26,000) may require pre-mortgage insurance


4.08% is current rate for 30-year fixed
3.34% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$501 360 $76,475 $180,475

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $130,000
Down Payment $26,000$104,000
Year 1 - 1 ($501)$354$148$103,852
2 ($501)$353$148$103,704
3 ($501)$353$149$103,555
4 ($501)$352$149$103,406
5 ($501)$352$150$103,256
6 ($501)$351$150$103,106
7 ($501)$351$151$102,955
8 ($501)$350$151$102,804
9 ($501)$350$152$102,652
10 ($501)$349$152$102,500
11 ($501)$348$153$102,347
12 ($501)$348$153$102,194
Year 2 - 13 ($501)$347$154$102,040
14 ($501)$347$154$101,886
15 ($501)$346$155$101,731
16 ($501)$346$155$101,575
17 ($501)$345$156$101,419
18 ($501)$345$156$101,263
19 ($501)$344$157$101,106
20 ($501)$344$158$100,948
21 ($501)$343$158$100,790
22 ($501)$343$159$100,631
23 ($501)$342$159$100,472
24 ($501)$342$160$100,313
Year 3 - 25 ($501)$341$160$100,152
26 ($501)$341$161$99,992
27 ($501)$340$161$99,830
28 ($501)$339$162$99,668
29 ($501)$339$162$99,506
30 ($501)$338$163$99,343
31 ($501)$338$164$99,179
32 ($501)$337$164$99,015
33 ($501)$337$165$98,850
34 ($501)$336$165$98,685
35 ($501)$336$166$98,519
36 ($501)$335$166$98,353
Year 4 - 37 ($501)$334$167$98,186
38 ($501)$334$167$98,019
39 ($501)$333$168$97,851
40 ($501)$333$169$97,682
41 ($501)$332$169$97,513
42 ($501)$332$170$97,343
43 ($501)$331$170$97,173
44 ($501)$330$171$97,002
45 ($501)$330$172$96,830
46 ($501)$329$172$96,658
47 ($501)$329$173$96,485
48 ($501)$328$173$96,312
Year 5 - 49 ($501)$327$174$96,138
50 ($501)$327$174$95,964
51 ($501)$326$175$95,789
52 ($501)$326$176$95,613
53 ($501)$325$176$95,437
54 ($501)$324$177$95,260
55 ($501)$324$177$95,083
56 ($501)$323$178$94,905
57 ($501)$323$179$94,726
58 ($501)$322$179$94,547
59 ($501)$321$180$94,367
60 ($501)$321$180$94,186
Year 6 - 61 ($501)$320$181$94,005
62 ($501)$320$182$93,824
63 ($501)$319$182$93,641
64 ($501)$318$183$93,458
65 ($501)$318$184$93,275
66 ($501)$317$184$93,091
67 ($501)$317$185$92,906
68 ($501)$316$185$92,720
69 ($501)$315$186$92,534
70 ($501)$315$187$92,348
71 ($501)$314$187$92,160
72 ($501)$313$188$91,972
Year 7 - 73 ($501)$313$189$91,784
74 ($501)$312$189$91,594
75 ($501)$311$190$91,405
76 ($501)$311$191$91,214
77 ($501)$310$191$91,023
78 ($501)$309$192$90,831
79 ($501)$309$192$90,638
80 ($501)$308$193$90,445
81 ($501)$308$194$90,251
82 ($501)$307$194$90,057
83 ($501)$306$195$89,862
84 ($501)$306$196$89,666
Year 8 - 85 ($501)$305$196$89,470
86 ($501)$304$197$89,273
87 ($501)$304$198$89,075
88 ($501)$303$198$88,876
89 ($501)$302$199$88,677
90 ($501)$302$200$88,477
91 ($501)$301$200$88,277
92 ($501)$300$201$88,076
93 ($501)$299$202$87,874
94 ($501)$299$203$87,671
95 ($501)$298$203$87,468
96 ($501)$297$204$87,264
Year 9 - 97 ($501)$297$205$87,059
98 ($501)$296$205$86,854
99 ($501)$295$206$86,648
100 ($501)$295$207$86,441
101 ($501)$294$207$86,234
102 ($501)$293$208$86,026
103 ($501)$292$209$85,817
104 ($501)$292$210$85,607
105 ($501)$291$210$85,397
106 ($501)$290$211$85,186
107 ($501)$290$212$84,975
108 ($501)$289$212$84,762
Year 10 - 109 ($501)$288$213$84,549
110 ($501)$287$214$84,335
111 ($501)$287$215$84,121
112 ($501)$286$215$83,905
113 ($501)$285$216$83,689
114 ($501)$285$217$83,472
115 ($501)$284$218$83,255
116 ($501)$283$218$83,037
117 ($501)$282$219$82,818
118 ($501)$282$220$82,598
119 ($501)$281$220$82,377
120 ($501)$280$221$82,156
Year 11 - 121 ($501)$279$222$81,934
122 ($501)$279$223$81,711
123 ($501)$278$224$81,488
124 ($501)$277$224$81,264
125 ($501)$276$225$81,039
126 ($501)$276$226$80,813
127 ($501)$275$227$80,586
128 ($501)$274$227$80,359
129 ($501)$273$228$80,131
130 ($501)$272$229$79,902
131 ($501)$272$230$79,672
132 ($501)$271$230$79,442
Year 12 - 133 ($501)$270$231$79,211
134 ($501)$269$232$78,979
135 ($501)$269$233$78,746
136 ($501)$268$234$78,512
137 ($501)$267$234$78,278
138 ($501)$266$235$78,043
139 ($501)$265$236$77,807
140 ($501)$265$237$77,570
141 ($501)$264$238$77,332
142 ($501)$263$238$77,094
143 ($501)$262$239$76,855
144 ($501)$261$240$76,615
Year 13 - 145 ($501)$260$241$76,374
146 ($501)$260$242$76,132
147 ($501)$259$242$75,890
148 ($501)$258$243$75,647
149 ($501)$257$244$75,402
150 ($501)$256$245$75,158
151 ($501)$256$246$74,912
152 ($501)$255$247$74,665
153 ($501)$254$247$74,418
154 ($501)$253$248$74,169
155 ($501)$252$249$73,920
156 ($501)$251$250$73,670
Year 14 - 157 ($501)$250$251$73,419
158 ($501)$250$252$73,168
159 ($501)$249$253$72,915
160 ($501)$248$253$72,662
161 ($501)$247$254$72,407
162 ($501)$246$255$72,152
163 ($501)$245$256$71,896
164 ($501)$244$257$71,639
165 ($501)$244$258$71,382
166 ($501)$243$259$71,123
167 ($501)$242$260$70,864
168 ($501)$241$260$70,603
Year 15 - 169 ($501)$240$261$70,342
170 ($501)$239$262$70,080
171 ($501)$238$263$69,817
172 ($501)$237$264$69,553
173 ($501)$236$265$69,288
174 ($501)$236$266$69,022
175 ($501)$235$267$68,756
176 ($501)$234$268$68,488
177 ($501)$233$268$68,220
178 ($501)$232$269$67,950
179 ($501)$231$270$67,680
180 ($501)$230$271$67,409
Year 16 - 181 ($501)$229$272$67,137
182 ($501)$228$273$66,863
183 ($501)$227$274$66,589
184 ($501)$226$275$66,315
185 ($501)$225$276$66,039
186 ($501)$225$277$65,762
187 ($501)$224$278$65,484
188 ($501)$223$279$65,206
189 ($501)$222$280$64,926
190 ($501)$221$281$64,645
191 ($501)$220$282$64,364
192 ($501)$219$282$64,081
Year 17 - 193 ($501)$218$283$63,798
194 ($501)$217$284$63,513
195 ($501)$216$285$63,228
196 ($501)$215$286$62,942
197 ($501)$214$287$62,654
198 ($501)$213$288$62,366
199 ($501)$212$289$62,077
200 ($501)$211$290$61,787
201 ($501)$210$291$61,495
202 ($501)$209$292$61,203
203 ($501)$208$293$60,910
204 ($501)$207$294$60,616
Year 18 - 205 ($501)$206$295$60,320
206 ($501)$205$296$60,024
207 ($501)$204$297$59,727
208 ($501)$203$298$59,429
209 ($501)$202$299$59,129
210 ($501)$201$300$58,829
211 ($501)$200$301$58,528
212 ($501)$199$302$58,226
213 ($501)$198$303$57,922
214 ($501)$197$304$57,618
215 ($501)$196$305$57,312
216 ($501)$195$306$57,006
Year 19 - 217 ($501)$194$308$56,698
218 ($501)$193$309$56,390
219 ($501)$192$310$56,080
220 ($501)$191$311$55,770
221 ($501)$190$312$55,458
222 ($501)$189$313$55,145
223 ($501)$187$314$54,831
224 ($501)$186$315$54,516
225 ($501)$185$316$54,200
226 ($501)$184$317$53,883
227 ($501)$183$318$53,565
228 ($501)$182$319$53,246
Year 20 - 229 ($501)$181$320$52,926
230 ($501)$180$321$52,604
231 ($501)$179$322$52,282
232 ($501)$178$324$51,958
233 ($501)$177$325$51,634
234 ($501)$176$326$51,308
235 ($501)$174$327$50,981
236 ($501)$173$328$50,653
237 ($501)$172$329$50,324
238 ($501)$171$330$49,994
239 ($501)$170$331$49,663
240 ($501)$169$332$49,330
Year 21 - 241 ($501)$168$334$48,996
242 ($501)$167$335$48,662
243 ($501)$165$336$48,326
244 ($501)$164$337$47,989
245 ($501)$163$338$47,651
246 ($501)$162$339$47,311
247 ($501)$161$340$46,971
248 ($501)$160$342$46,629
249 ($501)$159$343$46,287
250 ($501)$157$344$45,943
251 ($501)$156$345$45,597
252 ($501)$155$346$45,251
Year 22 - 253 ($501)$154$347$44,904
254 ($501)$153$349$44,555
255 ($501)$151$350$44,205
256 ($501)$150$351$43,854
257 ($501)$149$352$43,502
258 ($501)$148$353$43,149
259 ($501)$147$355$42,794
260 ($501)$145$356$42,438
261 ($501)$144$357$42,081
262 ($501)$143$358$41,723
263 ($501)$142$359$41,363
264 ($501)$141$361$41,003
Year 23 - 265 ($501)$139$362$40,641
266 ($501)$138$363$40,278
267 ($501)$137$364$39,913
268 ($501)$136$366$39,548
269 ($501)$134$367$39,181
270 ($501)$133$368$38,813
271 ($501)$132$369$38,443
272 ($501)$131$371$38,073
273 ($501)$129$372$37,701
274 ($501)$128$373$37,328
275 ($501)$127$374$36,953
276 ($501)$126$376$36,578
Year 24 - 277 ($501)$124$377$36,201
278 ($501)$123$378$35,822
279 ($501)$122$380$35,443
280 ($501)$121$381$35,062
281 ($501)$119$382$34,680
282 ($501)$118$383$34,297
283 ($501)$117$385$33,912
284 ($501)$115$386$33,526
285 ($501)$114$387$33,138
286 ($501)$113$389$32,750
287 ($501)$111$390$32,360
288 ($501)$110$391$31,969
Year 25 - 289 ($501)$109$393$31,576
290 ($501)$107$394$31,182
291 ($501)$106$395$30,787
292 ($501)$105$397$30,390
293 ($501)$103$398$29,992
294 ($501)$102$399$29,593
295 ($501)$101$401$29,192
296 ($501)$99$402$28,790
297 ($501)$98$403$28,386
298 ($501)$97$405$27,982
299 ($501)$95$406$27,576
300 ($501)$94$408$27,168
Year 26 - 301 ($501)$92$409$26,759
302 ($501)$91$410$26,349
303 ($501)$90$412$25,937
304 ($501)$88$413$25,524
305 ($501)$87$415$25,109
306 ($501)$85$416$24,693
307 ($501)$84$417$24,276
308 ($501)$83$419$23,857
309 ($501)$81$420$23,437
310 ($501)$80$422$23,015
311 ($501)$78$423$22,592
312 ($501)$77$425$22,168
Year 27 - 313 ($501)$75$426$21,742
314 ($501)$74$427$21,314
315 ($501)$72$429$20,886
316 ($501)$71$430$20,455
317 ($501)$70$432$20,023
318 ($501)$68$433$19,590
319 ($501)$67$435$19,155
320 ($501)$65$436$18,719
321 ($501)$64$438$18,282
322 ($501)$62$439$17,842
323 ($501)$61$441$17,402
324 ($501)$59$442$16,960
Year 28 - 325 ($501)$58$444$16,516
326 ($501)$56$445$16,071
327 ($501)$55$447$15,624
328 ($501)$53$448$15,176
329 ($501)$52$450$14,726
330 ($501)$50$451$14,275
331 ($501)$49$453$13,822
332 ($501)$47$454$13,368
333 ($501)$45$456$12,912
334 ($501)$44$457$12,455
335 ($501)$42$459$11,996
336 ($501)$41$461$11,535
Year 29 - 337 ($501)$39$462$11,073
338 ($501)$38$464$10,609
339 ($501)$36$465$10,144
340 ($501)$34$467$9,677
341 ($501)$33$468$9,209
342 ($501)$31$470$8,739
343 ($501)$30$472$8,267
344 ($501)$28$473$7,794
345 ($501)$26$475$7,319
346 ($501)$25$476$6,843
347 ($501)$23$478$6,365
348 ($501)$22$480$5,885
Year 30 - 349 ($501)$20$481$5,404
350 ($501)$18$483$4,921
351 ($501)$17$485$4,436
352 ($501)$15$486$3,950
353 ($501)$13$488$3,462
354 ($501)$12$490$2,972
355 ($501)$10$491$2,481
356 ($501)$8$493$1,988
357 ($501)$7$495$1,494
358 ($501)$5$496$998
359 ($501)$3$498$500
360 ($501)$2$500$0
TOTALS$76,475$104,000$180,475

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.