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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 May 18, 2017. Check Lending Tree to see current rates from multiple lenders.

Mortgage Parameters


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


4.02% is current rate for 30-year fixed
3.27% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$498 360 $75,176 $179,176

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $130,000
Down Payment $26,000$104,000
Year 1 - 1 ($498)$348$149$103,851
2 ($498)$348$150$103,701
3 ($498)$347$150$103,551
4 ($498)$347$151$103,400
5 ($498)$346$151$103,248
6 ($498)$346$152$103,097
7 ($498)$345$152$102,944
8 ($498)$345$153$102,791
9 ($498)$344$153$102,638
10 ($498)$344$154$102,484
11 ($498)$343$154$102,330
12 ($498)$343$155$102,175
Year 2 - 13 ($498)$342$155$102,019
14 ($498)$342$156$101,864
15 ($498)$341$156$101,707
16 ($498)$341$157$101,550
17 ($498)$340$158$101,393
18 ($498)$340$158$101,234
19 ($498)$339$159$101,076
20 ($498)$339$159$100,917
21 ($498)$338$160$100,757
22 ($498)$338$160$100,597
23 ($498)$337$161$100,436
24 ($498)$336$161$100,275
Year 3 - 25 ($498)$336$162$100,113
26 ($498)$335$162$99,951
27 ($498)$335$163$99,788
28 ($498)$334$163$99,625
29 ($498)$334$164$99,461
30 ($498)$333$165$99,296
31 ($498)$333$165$99,131
32 ($498)$332$166$98,965
33 ($498)$332$166$98,799
34 ($498)$331$167$98,632
35 ($498)$330$167$98,465
36 ($498)$330$168$98,297
Year 4 - 37 ($498)$329$168$98,129
38 ($498)$329$169$97,960
39 ($498)$328$170$97,790
40 ($498)$328$170$97,620
41 ($498)$327$171$97,450
42 ($498)$326$171$97,278
43 ($498)$326$172$97,107
44 ($498)$325$172$96,934
45 ($498)$325$173$96,761
46 ($498)$324$174$96,588
47 ($498)$324$174$96,413
48 ($498)$323$175$96,239
Year 5 - 49 ($498)$322$175$96,063
50 ($498)$322$176$95,887
51 ($498)$321$176$95,711
52 ($498)$321$177$95,534
53 ($498)$320$178$95,356
54 ($498)$319$178$95,178
55 ($498)$319$179$94,999
56 ($498)$318$179$94,820
57 ($498)$318$180$94,640
58 ($498)$317$181$94,459
59 ($498)$316$181$94,278
60 ($498)$316$182$94,096
Year 6 - 61 ($498)$315$182$93,913
62 ($498)$315$183$93,730
63 ($498)$314$184$93,546
64 ($498)$313$184$93,362
65 ($498)$313$185$93,177
66 ($498)$312$186$92,992
67 ($498)$312$186$92,805
68 ($498)$311$187$92,619
69 ($498)$310$187$92,431
70 ($498)$310$188$92,243
71 ($498)$309$189$92,054
72 ($498)$308$189$91,865
Year 7 - 73 ($498)$308$190$91,675
74 ($498)$307$191$91,485
75 ($498)$306$191$91,293
76 ($498)$306$192$91,101
77 ($498)$305$193$90,909
78 ($498)$305$193$90,716
79 ($498)$304$194$90,522
80 ($498)$303$194$90,327
81 ($498)$303$195$90,132
82 ($498)$302$196$89,937
83 ($498)$301$196$89,740
84 ($498)$301$197$89,543
Year 8 - 85 ($498)$300$198$89,345
86 ($498)$299$198$89,147
87 ($498)$299$199$88,948
88 ($498)$298$200$88,748
89 ($498)$297$200$88,548
90 ($498)$297$201$88,347
91 ($498)$296$202$88,145
92 ($498)$295$202$87,942
93 ($498)$295$203$87,739
94 ($498)$294$204$87,536
95 ($498)$293$204$87,331
96 ($498)$293$205$87,126
Year 9 - 97 ($498)$292$206$86,920
98 ($498)$291$207$86,714
99 ($498)$290$207$86,506
100 ($498)$290$208$86,298
101 ($498)$289$209$86,090
102 ($498)$288$209$85,880
103 ($498)$288$210$85,670
104 ($498)$287$211$85,460
105 ($498)$286$211$85,248
106 ($498)$286$212$85,036
107 ($498)$285$213$84,823
108 ($498)$284$214$84,610
Year 10 - 109 ($498)$283$214$84,396
110 ($498)$283$215$84,181
111 ($498)$282$216$83,965
112 ($498)$281$216$83,748
113 ($498)$281$217$83,531
114 ($498)$280$218$83,313
115 ($498)$279$219$83,095
116 ($498)$278$219$82,875
117 ($498)$278$220$82,655
118 ($498)$277$221$82,435
119 ($498)$276$222$82,213
120 ($498)$275$222$81,991
Year 11 - 121 ($498)$275$223$81,768
122 ($498)$274$224$81,544
123 ($498)$273$225$81,319
124 ($498)$272$225$81,094
125 ($498)$272$226$80,868
126 ($498)$271$227$80,641
127 ($498)$270$228$80,414
128 ($498)$269$228$80,185
129 ($498)$269$229$79,956
130 ($498)$268$230$79,726
131 ($498)$267$231$79,496
132 ($498)$266$231$79,264
Year 12 - 133 ($498)$266$232$79,032
134 ($498)$265$233$78,799
135 ($498)$264$234$78,565
136 ($498)$263$235$78,331
137 ($498)$262$235$78,096
138 ($498)$262$236$77,860
139 ($498)$261$237$77,623
140 ($498)$260$238$77,385
141 ($498)$259$238$77,146
142 ($498)$258$239$76,907
143 ($498)$258$240$76,667
144 ($498)$257$241$76,426
Year 13 - 145 ($498)$256$242$76,185
146 ($498)$255$242$75,942
147 ($498)$254$243$75,699
148 ($498)$254$244$75,455
149 ($498)$253$245$75,210
150 ($498)$252$246$74,964
151 ($498)$251$247$74,717
152 ($498)$250$247$74,470
153 ($498)$249$248$74,222
154 ($498)$249$249$73,973
155 ($498)$248$250$73,723
156 ($498)$247$251$73,472
Year 14 - 157 ($498)$246$252$73,220
158 ($498)$245$252$72,968
159 ($498)$244$253$72,715
160 ($498)$244$254$72,461
161 ($498)$243$255$72,206
162 ($498)$242$256$71,950
163 ($498)$241$257$71,693
164 ($498)$240$258$71,436
165 ($498)$239$258$71,177
166 ($498)$238$259$70,918
167 ($498)$238$260$70,658
168 ($498)$237$261$70,397
Year 15 - 169 ($498)$236$262$70,135
170 ($498)$235$263$69,872
171 ($498)$234$264$69,609
172 ($498)$233$265$69,344
173 ($498)$232$265$69,079
174 ($498)$231$266$68,812
175 ($498)$231$267$68,545
176 ($498)$230$268$68,277
177 ($498)$229$269$68,008
178 ($498)$228$270$67,738
179 ($498)$227$271$67,467
180 ($498)$226$272$67,196
Year 16 - 181 ($498)$225$273$66,923
182 ($498)$224$274$66,650
183 ($498)$223$274$66,375
184 ($498)$222$275$66,100
185 ($498)$221$276$65,823
186 ($498)$221$277$65,546
187 ($498)$220$278$65,268
188 ($498)$219$279$64,989
189 ($498)$218$280$64,709
190 ($498)$217$281$64,428
191 ($498)$216$282$64,146
192 ($498)$215$283$63,863
Year 17 - 193 ($498)$214$284$63,580
194 ($498)$213$285$63,295
195 ($498)$212$286$63,009
196 ($498)$211$287$62,723
197 ($498)$210$288$62,435
198 ($498)$209$289$62,146
199 ($498)$208$290$61,857
200 ($498)$207$290$61,566
201 ($498)$206$291$61,275
202 ($498)$205$292$60,983
203 ($498)$204$293$60,689
204 ($498)$203$294$60,395
Year 18 - 205 ($498)$202$295$60,099
206 ($498)$201$296$59,803
207 ($498)$200$297$59,506
208 ($498)$199$298$59,207
209 ($498)$198$299$58,908
210 ($498)$197$300$58,607
211 ($498)$196$301$58,306
212 ($498)$195$302$58,004
213 ($498)$194$303$57,700
214 ($498)$193$304$57,396
215 ($498)$192$305$57,090
216 ($498)$191$306$56,784
Year 19 - 217 ($498)$190$307$56,477
218 ($498)$189$309$56,168
219 ($498)$188$310$55,858
220 ($498)$187$311$55,548
221 ($498)$186$312$55,236
222 ($498)$185$313$54,924
223 ($498)$184$314$54,610
224 ($498)$183$315$54,295
225 ($498)$182$316$53,979
226 ($498)$181$317$53,662
227 ($498)$180$318$53,344
228 ($498)$179$319$53,025
Year 20 - 229 ($498)$178$320$52,705
230 ($498)$177$321$52,384
231 ($498)$175$322$52,062
232 ($498)$174$323$51,739
233 ($498)$173$324$51,414
234 ($498)$172$325$51,089
235 ($498)$171$327$50,762
236 ($498)$170$328$50,435
237 ($498)$169$329$50,106
238 ($498)$168$330$49,776
239 ($498)$167$331$49,445
240 ($498)$166$332$49,113
Year 21 - 241 ($498)$165$333$48,780
242 ($498)$163$334$48,445
243 ($498)$162$335$48,110
244 ($498)$161$337$47,774
245 ($498)$160$338$47,436
246 ($498)$159$339$47,097
247 ($498)$158$340$46,757
248 ($498)$157$341$46,416
249 ($498)$155$342$46,074
250 ($498)$154$343$45,730
251 ($498)$153$345$45,386
252 ($498)$152$346$45,040
Year 22 - 253 ($498)$151$347$44,693
254 ($498)$150$348$44,345
255 ($498)$149$349$43,996
256 ($498)$147$350$43,646
257 ($498)$146$351$43,294
258 ($498)$145$353$42,942
259 ($498)$144$354$42,588
260 ($498)$143$355$42,233
261 ($498)$141$356$41,877
262 ($498)$140$357$41,519
263 ($498)$139$359$41,161
264 ($498)$138$360$40,801
Year 23 - 265 ($498)$137$361$40,440
266 ($498)$135$362$40,078
267 ($498)$134$363$39,714
268 ($498)$133$365$39,349
269 ($498)$132$366$38,984
270 ($498)$131$367$38,616
271 ($498)$129$368$38,248
272 ($498)$128$370$37,878
273 ($498)$127$371$37,508
274 ($498)$126$372$37,136
275 ($498)$124$373$36,762
276 ($498)$123$375$36,388
Year 24 - 277 ($498)$122$376$36,012
278 ($498)$121$377$35,635
279 ($498)$119$378$35,257
280 ($498)$118$380$34,877
281 ($498)$117$381$34,496
282 ($498)$116$382$34,114
283 ($498)$114$383$33,730
284 ($498)$113$385$33,346
285 ($498)$112$386$32,960
286 ($498)$110$387$32,572
287 ($498)$109$389$32,184
288 ($498)$108$390$31,794
Year 25 - 289 ($498)$107$391$31,403
290 ($498)$105$393$31,010
291 ($498)$104$394$30,616
292 ($498)$103$395$30,221
293 ($498)$101$396$29,825
294 ($498)$100$398$29,427
295 ($498)$99$399$29,028
296 ($498)$97$400$28,627
297 ($498)$96$402$28,226
298 ($498)$95$403$27,822
299 ($498)$93$405$27,418
300 ($498)$92$406$27,012
Year 26 - 301 ($498)$90$407$26,605
302 ($498)$89$409$26,196
303 ($498)$88$410$25,786
304 ($498)$86$411$25,375
305 ($498)$85$413$24,962
306 ($498)$84$414$24,548
307 ($498)$82$415$24,133
308 ($498)$81$417$23,716
309 ($498)$79$418$23,298
310 ($498)$78$420$22,878
311 ($498)$77$421$22,457
312 ($498)$75$422$22,034
Year 27 - 313 ($498)$74$424$21,610
314 ($498)$72$425$21,185
315 ($498)$71$427$20,758
316 ($498)$70$428$20,330
317 ($498)$68$430$19,901
318 ($498)$67$431$19,470
319 ($498)$65$432$19,037
320 ($498)$64$434$18,603
321 ($498)$62$435$18,168
322 ($498)$61$437$17,731
323 ($498)$59$438$17,293
324 ($498)$58$440$16,853
Year 28 - 325 ($498)$56$441$16,412
326 ($498)$55$443$15,969
327 ($498)$53$444$15,525
328 ($498)$52$446$15,079
329 ($498)$51$447$14,632
330 ($498)$49$449$14,183
331 ($498)$48$450$13,733
332 ($498)$46$452$13,281
333 ($498)$44$453$12,828
334 ($498)$43$455$12,373
335 ($498)$41$456$11,917
336 ($498)$40$458$11,459
Year 29 - 337 ($498)$38$459$11,000
338 ($498)$37$461$10,539
339 ($498)$35$462$10,076
340 ($498)$34$464$9,613
341 ($498)$32$466$9,147
342 ($498)$31$467$8,680
343 ($498)$29$469$8,211
344 ($498)$28$470$7,741
345 ($498)$26$472$7,269
346 ($498)$24$473$6,796
347 ($498)$23$475$6,321
348 ($498)$21$477$5,844
Year 30 - 349 ($498)$20$478$5,366
350 ($498)$18$480$4,887
351 ($498)$16$481$4,405
352 ($498)$15$483$3,922
353 ($498)$13$485$3,438
354 ($498)$12$486$2,952
355 ($498)$10$488$2,464
356 ($498)$8$489$1,974
357 ($498)$7$491$1,483
358 ($498)$5$493$990
359 ($498)$3$494$496
360 ($498)$2$496$0
TOTALS$75,176$104,000$179,176

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.