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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 August 17, 2017. Check LendingTree to see current rates from multiple lenders.

Mortgage Parameters


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


3.89% is current rate for 30-year fixed
3.16% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$490 360 $72,378 $176,378

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $130,000
Down Payment $26,000$104,000
Year 1 - 1 ($490)$337$153$103,847
2 ($490)$337$153$103,694
3 ($490)$336$154$103,540
4 ($490)$336$154$103,386
5 ($490)$335$155$103,231
6 ($490)$335$155$103,076
7 ($490)$334$156$102,920
8 ($490)$334$156$102,764
9 ($490)$333$157$102,607
10 ($490)$333$157$102,449
11 ($490)$332$158$102,292
12 ($490)$332$158$102,133
Year 2 - 13 ($490)$331$159$101,974
14 ($490)$331$159$101,815
15 ($490)$330$160$101,655
16 ($490)$330$160$101,495
17 ($490)$329$161$101,334
18 ($490)$328$161$101,172
19 ($490)$328$162$101,010
20 ($490)$327$162$100,848
21 ($490)$327$163$100,685
22 ($490)$326$164$100,521
23 ($490)$326$164$100,357
24 ($490)$325$165$100,193
Year 3 - 25 ($490)$325$165$100,027
26 ($490)$324$166$99,862
27 ($490)$324$166$99,696
28 ($490)$323$167$99,529
29 ($490)$323$167$99,362
30 ($490)$322$168$99,194
31 ($490)$322$168$99,025
32 ($490)$321$169$98,856
33 ($490)$320$169$98,687
34 ($490)$320$170$98,517
35 ($490)$319$171$98,346
36 ($490)$319$171$98,175
Year 4 - 37 ($490)$318$172$98,003
38 ($490)$318$172$97,831
39 ($490)$317$173$97,658
40 ($490)$317$173$97,485
41 ($490)$316$174$97,311
42 ($490)$315$174$97,137
43 ($490)$315$175$96,962
44 ($490)$314$176$96,786
45 ($490)$314$176$96,610
46 ($490)$313$177$96,433
47 ($490)$313$177$96,256
48 ($490)$312$178$96,078
Year 5 - 49 ($490)$311$178$95,899
50 ($490)$311$179$95,720
51 ($490)$310$180$95,541
52 ($490)$310$180$95,360
53 ($490)$309$181$95,180
54 ($490)$309$181$94,998
55 ($490)$308$182$94,816
56 ($490)$307$183$94,634
57 ($490)$307$183$94,450
58 ($490)$306$184$94,267
59 ($490)$306$184$94,082
60 ($490)$305$185$93,897
Year 6 - 61 ($490)$304$186$93,712
62 ($490)$304$186$93,526
63 ($490)$303$187$93,339
64 ($490)$303$187$93,151
65 ($490)$302$188$92,963
66 ($490)$301$189$92,775
67 ($490)$301$189$92,586
68 ($490)$300$190$92,396
69 ($490)$300$190$92,205
70 ($490)$299$191$92,014
71 ($490)$298$192$91,823
72 ($490)$298$192$91,630
Year 7 - 73 ($490)$297$193$91,438
74 ($490)$296$194$91,244
75 ($490)$296$194$91,050
76 ($490)$295$195$90,855
77 ($490)$295$195$90,660
78 ($490)$294$196$90,464
79 ($490)$293$197$90,267
80 ($490)$293$197$90,070
81 ($490)$292$198$89,872
82 ($490)$291$199$89,673
83 ($490)$291$199$89,474
84 ($490)$290$200$89,274
Year 8 - 85 ($490)$289$201$89,073
86 ($490)$289$201$88,872
87 ($490)$288$202$88,670
88 ($490)$287$202$88,468
89 ($490)$287$203$88,265
90 ($490)$286$204$88,061
91 ($490)$285$204$87,856
92 ($490)$285$205$87,651
93 ($490)$284$206$87,445
94 ($490)$283$206$87,239
95 ($490)$283$207$87,032
96 ($490)$282$208$86,824
Year 9 - 97 ($490)$281$208$86,616
98 ($490)$281$209$86,406
99 ($490)$280$210$86,197
100 ($490)$279$211$85,986
101 ($490)$279$211$85,775
102 ($490)$278$212$85,563
103 ($490)$277$213$85,350
104 ($490)$277$213$85,137
105 ($490)$276$214$84,923
106 ($490)$275$215$84,709
107 ($490)$275$215$84,493
108 ($490)$274$216$84,277
Year 10 - 109 ($490)$273$217$84,060
110 ($490)$272$217$83,843
111 ($490)$272$218$83,625
112 ($490)$271$219$83,406
113 ($490)$270$220$83,186
114 ($490)$270$220$82,966
115 ($490)$269$221$82,745
116 ($490)$268$222$82,523
117 ($490)$268$222$82,301
118 ($490)$267$223$82,078
119 ($490)$266$224$81,854
120 ($490)$265$225$81,629
Year 11 - 121 ($490)$265$225$81,404
122 ($490)$264$226$81,178
123 ($490)$263$227$80,951
124 ($490)$262$228$80,724
125 ($490)$262$228$80,495
126 ($490)$261$229$80,266
127 ($490)$260$230$80,037
128 ($490)$259$230$79,806
129 ($490)$259$231$79,575
130 ($490)$258$232$79,343
131 ($490)$257$233$79,110
132 ($490)$256$233$78,877
Year 12 - 133 ($490)$256$234$78,643
134 ($490)$255$235$78,407
135 ($490)$254$236$78,172
136 ($490)$253$237$77,935
137 ($490)$253$237$77,698
138 ($490)$252$238$77,460
139 ($490)$251$239$77,221
140 ($490)$250$240$76,981
141 ($490)$250$240$76,741
142 ($490)$249$241$76,500
143 ($490)$248$242$76,258
144 ($490)$247$243$76,015
Year 13 - 145 ($490)$246$244$75,772
146 ($490)$246$244$75,527
147 ($490)$245$245$75,282
148 ($490)$244$246$75,036
149 ($490)$243$247$74,790
150 ($490)$242$247$74,542
151 ($490)$242$248$74,294
152 ($490)$241$249$74,045
153 ($490)$240$250$73,795
154 ($490)$239$251$73,544
155 ($490)$238$252$73,293
156 ($490)$238$252$73,040
Year 14 - 157 ($490)$237$253$72,787
158 ($490)$236$254$72,533
159 ($490)$235$255$72,278
160 ($490)$234$256$72,023
161 ($490)$233$256$71,766
162 ($490)$233$257$71,509
163 ($490)$232$258$71,251
164 ($490)$231$259$70,992
165 ($490)$230$260$70,732
166 ($490)$229$261$70,471
167 ($490)$228$261$70,210
168 ($490)$228$262$69,947
Year 15 - 169 ($490)$227$263$69,684
170 ($490)$226$264$69,420
171 ($490)$225$265$69,155
172 ($490)$224$266$68,889
173 ($490)$223$267$68,623
174 ($490)$222$267$68,355
175 ($490)$222$268$68,087
176 ($490)$221$269$67,818
177 ($490)$220$270$67,548
178 ($490)$219$271$67,277
179 ($490)$218$272$67,005
180 ($490)$217$273$66,732
Year 16 - 181 ($490)$216$274$66,459
182 ($490)$215$275$66,184
183 ($490)$215$275$65,909
184 ($490)$214$276$65,632
185 ($490)$213$277$65,355
186 ($490)$212$278$65,077
187 ($490)$211$279$64,798
188 ($490)$210$280$64,518
189 ($490)$209$281$64,237
190 ($490)$208$282$63,956
191 ($490)$207$283$63,673
192 ($490)$206$284$63,390
Year 17 - 193 ($490)$205$284$63,105
194 ($490)$205$285$62,820
195 ($490)$204$286$62,533
196 ($490)$203$287$62,246
197 ($490)$202$288$61,958
198 ($490)$201$289$61,669
199 ($490)$200$290$61,379
200 ($490)$199$291$61,088
201 ($490)$198$292$60,796
202 ($490)$197$293$60,503
203 ($490)$196$294$60,209
204 ($490)$195$295$59,915
Year 18 - 205 ($490)$194$296$59,619
206 ($490)$193$297$59,322
207 ($490)$192$298$59,025
208 ($490)$191$299$58,726
209 ($490)$190$300$58,426
210 ($490)$189$301$58,126
211 ($490)$188$302$57,824
212 ($490)$187$302$57,522
213 ($490)$186$303$57,218
214 ($490)$185$304$56,914
215 ($490)$184$305$56,609
216 ($490)$184$306$56,302
Year 19 - 217 ($490)$183$307$55,995
218 ($490)$182$308$55,686
219 ($490)$181$309$55,377
220 ($490)$180$310$55,066
221 ($490)$179$311$54,755
222 ($490)$177$312$54,443
223 ($490)$176$313$54,129
224 ($490)$175$314$53,815
225 ($490)$174$315$53,499
226 ($490)$173$317$53,183
227 ($490)$172$318$52,865
228 ($490)$171$319$52,546
Year 20 - 229 ($490)$170$320$52,227
230 ($490)$169$321$51,906
231 ($490)$168$322$51,585
232 ($490)$167$323$51,262
233 ($490)$166$324$50,938
234 ($490)$165$325$50,613
235 ($490)$164$326$50,287
236 ($490)$163$327$49,960
237 ($490)$162$328$49,633
238 ($490)$161$329$49,303
239 ($490)$160$330$48,973
240 ($490)$159$331$48,642
Year 21 - 241 ($490)$158$332$48,310
242 ($490)$157$333$47,977
243 ($490)$156$334$47,642
244 ($490)$154$335$47,307
245 ($490)$153$337$46,970
246 ($490)$152$338$46,632
247 ($490)$151$339$46,294
248 ($490)$150$340$45,954
249 ($490)$149$341$45,613
250 ($490)$148$342$45,271
251 ($490)$147$343$44,928
252 ($490)$146$344$44,583
Year 22 - 253 ($490)$145$345$44,238
254 ($490)$143$347$43,891
255 ($490)$142$348$43,544
256 ($490)$141$349$43,195
257 ($490)$140$350$42,845
258 ($490)$139$351$42,494
259 ($490)$138$352$42,142
260 ($490)$137$353$41,788
261 ($490)$135$354$41,434
262 ($490)$134$356$41,078
263 ($490)$133$357$40,721
264 ($490)$132$358$40,364
Year 23 - 265 ($490)$131$359$40,004
266 ($490)$130$360$39,644
267 ($490)$129$361$39,283
268 ($490)$127$363$38,920
269 ($490)$126$364$38,556
270 ($490)$125$365$38,191
271 ($490)$124$366$37,825
272 ($490)$123$367$37,458
273 ($490)$121$369$37,089
274 ($490)$120$370$36,720
275 ($490)$119$371$36,349
276 ($490)$118$372$35,977
Year 24 - 277 ($490)$117$373$35,603
278 ($490)$115$375$35,229
279 ($490)$114$376$34,853
280 ($490)$113$377$34,476
281 ($490)$112$378$34,098
282 ($490)$111$379$33,719
283 ($490)$109$381$33,338
284 ($490)$108$382$32,956
285 ($490)$107$383$32,573
286 ($490)$106$384$32,189
287 ($490)$104$386$31,803
288 ($490)$103$387$31,416
Year 25 - 289 ($490)$102$388$31,028
290 ($490)$101$389$30,639
291 ($490)$99$391$30,248
292 ($490)$98$392$29,856
293 ($490)$97$393$29,463
294 ($490)$96$394$29,069
295 ($490)$94$396$28,673
296 ($490)$93$397$28,276
297 ($490)$92$398$27,878
298 ($490)$90$400$27,478
299 ($490)$89$401$27,077
300 ($490)$88$402$26,675
Year 26 - 301 ($490)$86$403$26,272
302 ($490)$85$405$25,867
303 ($490)$84$406$25,461
304 ($490)$83$407$25,053
305 ($490)$81$409$24,645
306 ($490)$80$410$24,235
307 ($490)$79$411$23,823
308 ($490)$77$413$23,410
309 ($490)$76$414$22,996
310 ($490)$75$415$22,581
311 ($490)$73$417$22,164
312 ($490)$72$418$21,746
Year 27 - 313 ($490)$70$419$21,327
314 ($490)$69$421$20,906
315 ($490)$68$422$20,484
316 ($490)$66$424$20,060
317 ($490)$65$425$19,635
318 ($490)$64$426$19,209
319 ($490)$62$428$18,781
320 ($490)$61$429$18,352
321 ($490)$59$430$17,922
322 ($490)$58$432$17,490
323 ($490)$57$433$17,057
324 ($490)$55$435$16,622
Year 28 - 325 ($490)$54$436$16,186
326 ($490)$52$437$15,749
327 ($490)$51$439$15,310
328 ($490)$50$440$14,869
329 ($490)$48$442$14,428
330 ($490)$47$443$13,985
331 ($490)$45$445$13,540
332 ($490)$44$446$13,094
333 ($490)$42$447$12,646
334 ($490)$41$449$12,197
335 ($490)$40$450$11,747
336 ($490)$38$452$11,295
Year 29 - 337 ($490)$37$453$10,842
338 ($490)$35$455$10,387
339 ($490)$34$456$9,931
340 ($490)$32$458$9,473
341 ($490)$31$459$9,014
342 ($490)$29$461$8,553
343 ($490)$28$462$8,091
344 ($490)$26$464$7,627
345 ($490)$25$465$7,162
346 ($490)$23$467$6,695
347 ($490)$22$468$6,227
348 ($490)$20$470$5,757
Year 30 - 349 ($490)$19$471$5,286
350 ($490)$17$473$4,813
351 ($490)$16$474$4,339
352 ($490)$14$476$3,863
353 ($490)$13$477$3,386
354 ($490)$11$479$2,907
355 ($490)$9$481$2,426
356 ($490)$8$482$1,944
357 ($490)$6$484$1,460
358 ($490)$5$485$975
359 ($490)$3$487$488
360 ($490)$2$488$0
TOTALS$72,378$104,000$176,378

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.