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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 October 12, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


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


3.91% is current rate for 30-year fixed
3.21% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$491 360 $72,807 $176,807

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,181 or less (zip code: 20149)


NMLS #: 1023
$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 #: 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

NMLS #: 258821
$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 #: 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 #: 227765 | State Lic #: MC-5920
$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.000% | Rate: 4.000% | Fees: $0 | 30 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: $870 | 45 day rate lock

NMLS #: 898791
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.928% | Rate: 3.875% | Fees: $1,595 | 60 day rate lock

NMLS #: 67717
$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.000% | Rate: 4.000% | Fees: $0 | 30 day rate lock

NMLS #: 1838 | State Lic #: MC-4344
$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 #: 7706
$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
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.895% | Rate: 3.875% | Fees: $592 | 30 day rate lock

$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.901% | Rate: 3.875% | Fees: $795 | 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  $130,000
Down Payment $26,000$104,000
Year 1 - 1 ($491)$339$152$103,848
2 ($491)$338$153$103,695
3 ($491)$338$153$103,542
4 ($491)$337$154$103,388
5 ($491)$337$154$103,234
6 ($491)$336$155$103,079
7 ($491)$336$155$102,924
8 ($491)$335$156$102,768
9 ($491)$335$156$102,612
10 ($491)$334$157$102,455
11 ($491)$334$157$102,298
12 ($491)$333$158$102,140
Year 2 - 13 ($491)$333$158$101,981
14 ($491)$332$159$101,823
15 ($491)$332$159$101,663
16 ($491)$331$160$101,503
17 ($491)$331$160$101,343
18 ($491)$330$161$101,182
19 ($491)$330$161$101,021
20 ($491)$329$162$100,859
21 ($491)$329$163$100,696
22 ($491)$328$163$100,533
23 ($491)$328$164$100,369
24 ($491)$327$164$100,205
Year 3 - 25 ($491)$327$165$100,041
26 ($491)$326$165$99,876
27 ($491)$325$166$99,710
28 ($491)$325$166$99,544
29 ($491)$324$167$99,377
30 ($491)$324$167$99,210
31 ($491)$323$168$99,042
32 ($491)$323$168$98,873
33 ($491)$322$169$98,704
34 ($491)$322$170$98,535
35 ($491)$321$170$98,365
36 ($491)$321$171$98,194
Year 4 - 37 ($491)$320$171$98,023
38 ($491)$319$172$97,851
39 ($491)$319$172$97,679
40 ($491)$318$173$97,506
41 ($491)$318$173$97,333
42 ($491)$317$174$97,159
43 ($491)$317$175$96,984
44 ($491)$316$175$96,809
45 ($491)$315$176$96,633
46 ($491)$315$176$96,457
47 ($491)$314$177$96,280
48 ($491)$314$177$96,103
Year 5 - 49 ($491)$313$178$95,925
50 ($491)$313$179$95,746
51 ($491)$312$179$95,567
52 ($491)$311$180$95,387
53 ($491)$311$180$95,207
54 ($491)$310$181$95,026
55 ($491)$310$182$94,844
56 ($491)$309$182$94,662
57 ($491)$308$183$94,480
58 ($491)$308$183$94,296
59 ($491)$307$184$94,112
60 ($491)$307$184$93,928
Year 6 - 61 ($491)$306$185$93,743
62 ($491)$305$186$93,557
63 ($491)$305$186$93,371
64 ($491)$304$187$93,184
65 ($491)$304$188$92,997
66 ($491)$303$188$92,808
67 ($491)$302$189$92,620
68 ($491)$302$189$92,430
69 ($491)$301$190$92,240
70 ($491)$301$191$92,050
71 ($491)$300$191$91,859
72 ($491)$299$192$91,667
Year 7 - 73 ($491)$299$192$91,474
74 ($491)$298$193$91,281
75 ($491)$297$194$91,088
76 ($491)$297$194$90,893
77 ($491)$296$195$90,698
78 ($491)$296$196$90,503
79 ($491)$295$196$90,306
80 ($491)$294$197$90,110
81 ($491)$294$198$89,912
82 ($491)$293$198$89,714
83 ($491)$292$199$89,515
84 ($491)$292$199$89,316
Year 8 - 85 ($491)$291$200$89,115
86 ($491)$290$201$88,915
87 ($491)$290$201$88,713
88 ($491)$289$202$88,511
89 ($491)$288$203$88,308
90 ($491)$288$203$88,105
91 ($491)$287$204$87,901
92 ($491)$286$205$87,696
93 ($491)$286$205$87,491
94 ($491)$285$206$87,285
95 ($491)$284$207$87,078
96 ($491)$284$207$86,871
Year 9 - 97 ($491)$283$208$86,663
98 ($491)$282$209$86,454
99 ($491)$282$209$86,244
100 ($491)$281$210$86,034
101 ($491)$280$211$85,824
102 ($491)$280$211$85,612
103 ($491)$279$212$85,400
104 ($491)$278$213$85,187
105 ($491)$278$214$84,973
106 ($491)$277$214$84,759
107 ($491)$276$215$84,544
108 ($491)$275$216$84,329
Year 10 - 109 ($491)$275$216$84,112
110 ($491)$274$217$83,895
111 ($491)$273$218$83,677
112 ($491)$273$218$83,459
113 ($491)$272$219$83,240
114 ($491)$271$220$83,020
115 ($491)$271$221$82,799
116 ($491)$270$221$82,578
117 ($491)$269$222$82,356
118 ($491)$268$223$82,133
119 ($491)$268$224$81,909
120 ($491)$267$224$81,685
Year 11 - 121 ($491)$266$225$81,460
122 ($491)$265$226$81,235
123 ($491)$265$226$81,008
124 ($491)$264$227$80,781
125 ($491)$263$228$80,553
126 ($491)$262$229$80,324
127 ($491)$262$229$80,095
128 ($491)$261$230$79,865
129 ($491)$260$231$79,634
130 ($491)$259$232$79,402
131 ($491)$259$232$79,170
132 ($491)$258$233$78,937
Year 12 - 133 ($491)$257$234$78,703
134 ($491)$256$235$78,468
135 ($491)$256$235$78,233
136 ($491)$255$236$77,996
137 ($491)$254$237$77,759
138 ($491)$253$238$77,522
139 ($491)$253$239$77,283
140 ($491)$252$239$77,044
141 ($491)$251$240$76,804
142 ($491)$250$241$76,563
143 ($491)$249$242$76,321
144 ($491)$249$242$76,079
Year 13 - 145 ($491)$248$243$75,835
146 ($491)$247$244$75,591
147 ($491)$246$245$75,346
148 ($491)$246$246$75,101
149 ($491)$245$246$74,854
150 ($491)$244$247$74,607
151 ($491)$243$248$74,359
152 ($491)$242$249$74,110
153 ($491)$241$250$73,861
154 ($491)$241$250$73,610
155 ($491)$240$251$73,359
156 ($491)$239$252$73,107
Year 14 - 157 ($491)$238$253$72,854
158 ($491)$237$254$72,600
159 ($491)$237$255$72,346
160 ($491)$236$255$72,090
161 ($491)$235$256$71,834
162 ($491)$234$257$71,577
163 ($491)$233$258$71,319
164 ($491)$232$259$71,060
165 ($491)$232$260$70,801
166 ($491)$231$260$70,540
167 ($491)$230$261$70,279
168 ($491)$229$262$70,017
Year 15 - 169 ($491)$228$263$69,754
170 ($491)$227$264$69,490
171 ($491)$226$265$69,225
172 ($491)$226$266$68,960
173 ($491)$225$266$68,693
174 ($491)$224$267$68,426
175 ($491)$223$268$68,158
176 ($491)$222$269$67,889
177 ($491)$221$270$67,619
178 ($491)$220$271$67,348
179 ($491)$219$272$67,076
180 ($491)$219$273$66,804
Year 16 - 181 ($491)$218$273$66,530
182 ($491)$217$274$66,256
183 ($491)$216$275$65,981
184 ($491)$215$276$65,704
185 ($491)$214$277$65,427
186 ($491)$213$278$65,149
187 ($491)$212$279$64,871
188 ($491)$211$280$64,591
189 ($491)$210$281$64,310
190 ($491)$210$282$64,029
191 ($491)$209$283$63,746
192 ($491)$208$283$63,463
Year 17 - 193 ($491)$207$284$63,178
194 ($491)$206$285$62,893
195 ($491)$205$286$62,607
196 ($491)$204$287$62,320
197 ($491)$203$288$62,032
198 ($491)$202$289$61,743
199 ($491)$201$290$61,453
200 ($491)$200$291$61,162
201 ($491)$199$292$60,870
202 ($491)$198$293$60,577
203 ($491)$197$294$60,283
204 ($491)$196$295$59,989
Year 18 - 205 ($491)$195$296$59,693
206 ($491)$194$297$59,396
207 ($491)$194$298$59,099
208 ($491)$193$299$58,800
209 ($491)$192$300$58,501
210 ($491)$191$301$58,200
211 ($491)$190$301$57,899
212 ($491)$189$302$57,596
213 ($491)$188$303$57,293
214 ($491)$187$304$56,988
215 ($491)$186$305$56,683
216 ($491)$185$306$56,376
Year 19 - 217 ($491)$184$307$56,069
218 ($491)$183$308$55,760
219 ($491)$182$309$55,451
220 ($491)$181$310$55,141
221 ($491)$180$311$54,829
222 ($491)$179$312$54,517
223 ($491)$178$313$54,203
224 ($491)$177$315$53,889
225 ($491)$176$316$53,573
226 ($491)$175$317$53,256
227 ($491)$174$318$52,939
228 ($491)$172$319$52,620
Year 20 - 229 ($491)$171$320$52,301
230 ($491)$170$321$51,980
231 ($491)$169$322$51,658
232 ($491)$168$323$51,335
233 ($491)$167$324$51,011
234 ($491)$166$325$50,686
235 ($491)$165$326$50,361
236 ($491)$164$327$50,033
237 ($491)$163$328$49,705
238 ($491)$162$329$49,376
239 ($491)$161$330$49,046
240 ($491)$160$331$48,715
Year 21 - 241 ($491)$159$332$48,382
242 ($491)$158$333$48,049
243 ($491)$157$335$47,714
244 ($491)$155$336$47,379
245 ($491)$154$337$47,042
246 ($491)$153$338$46,704
247 ($491)$152$339$46,365
248 ($491)$151$340$46,025
249 ($491)$150$341$45,684
250 ($491)$149$342$45,341
251 ($491)$148$343$44,998
252 ($491)$147$345$44,654
Year 22 - 253 ($491)$145$346$44,308
254 ($491)$144$347$43,961
255 ($491)$143$348$43,613
256 ($491)$142$349$43,264
257 ($491)$141$350$42,914
258 ($491)$140$351$42,563
259 ($491)$139$352$42,210
260 ($491)$138$354$41,857
261 ($491)$136$355$41,502
262 ($491)$135$356$41,146
263 ($491)$134$357$40,789
264 ($491)$133$358$40,431
Year 23 - 265 ($491)$132$359$40,071
266 ($491)$131$361$39,711
267 ($491)$129$362$39,349
268 ($491)$128$363$38,986
269 ($491)$127$364$38,622
270 ($491)$126$365$38,257
271 ($491)$125$366$37,890
272 ($491)$123$368$37,523
273 ($491)$122$369$37,154
274 ($491)$121$370$36,784
275 ($491)$120$371$36,412
276 ($491)$119$372$36,040
Year 24 - 277 ($491)$117$374$35,666
278 ($491)$116$375$35,291
279 ($491)$115$376$34,915
280 ($491)$114$377$34,538
281 ($491)$113$379$34,159
282 ($491)$111$380$33,779
283 ($491)$110$381$33,398
284 ($491)$109$382$33,016
285 ($491)$108$384$32,632
286 ($491)$106$385$32,248
287 ($491)$105$386$31,862
288 ($491)$104$387$31,474
Year 25 - 289 ($491)$103$389$31,086
290 ($491)$101$390$30,696
291 ($491)$100$391$30,305
292 ($491)$99$392$29,912
293 ($491)$97$394$29,519
294 ($491)$96$395$29,124
295 ($491)$95$396$28,727
296 ($491)$94$398$28,330
297 ($491)$92$399$27,931
298 ($491)$91$400$27,531
299 ($491)$90$401$27,130
300 ($491)$88$403$26,727
Year 26 - 301 ($491)$87$404$26,323
302 ($491)$86$405$25,917
303 ($491)$84$407$25,511
304 ($491)$83$408$25,103
305 ($491)$82$409$24,693
306 ($491)$80$411$24,283
307 ($491)$79$412$23,871
308 ($491)$78$413$23,457
309 ($491)$76$415$23,043
310 ($491)$75$416$22,627
311 ($491)$74$417$22,209
312 ($491)$72$419$21,790
Year 27 - 313 ($491)$71$420$21,370
314 ($491)$70$421$20,949
315 ($491)$68$423$20,526
316 ($491)$67$424$20,102
317 ($491)$65$426$19,676
318 ($491)$64$427$19,249
319 ($491)$63$428$18,821
320 ($491)$61$430$18,391
321 ($491)$60$431$17,960
322 ($491)$59$433$17,527
323 ($491)$57$434$17,093
324 ($491)$56$435$16,658
Year 28 - 325 ($491)$54$437$16,221
326 ($491)$53$438$15,782
327 ($491)$51$440$15,343
328 ($491)$50$441$14,902
329 ($491)$49$443$14,459
330 ($491)$47$444$14,015
331 ($491)$46$445$13,570
332 ($491)$44$447$13,123
333 ($491)$43$448$12,674
334 ($491)$41$450$12,224
335 ($491)$40$451$11,773
336 ($491)$38$453$11,320
Year 29 - 337 ($491)$37$454$10,866
338 ($491)$35$456$10,410
339 ($491)$34$457$9,953
340 ($491)$32$459$9,494
341 ($491)$31$460$9,034
342 ($491)$29$462$8,573
343 ($491)$28$463$8,109
344 ($491)$26$465$7,645
345 ($491)$25$466$7,178
346 ($491)$23$468$6,711
347 ($491)$22$469$6,241
348 ($491)$20$471$5,771
Year 30 - 349 ($491)$19$472$5,298
350 ($491)$17$474$4,824
351 ($491)$16$475$4,349
352 ($491)$14$477$3,872
353 ($491)$13$479$3,394
354 ($491)$11$480$2,913
355 ($491)$9$482$2,432
356 ($491)$8$483$1,949
357 ($491)$6$485$1,464
358 ($491)$5$486$977
359 ($491)$3$488$490
360 ($491)$2$490$0
TOTALS$72,807$104,000$176,807

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.