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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 November 30, 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


3.9% is current rate for 30-year fixed
3.3% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$491 360 $72,593 $176,593

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,179 or less (zip code: 20149)


NMLS #: 1023 | State Lic #: MC-5814
$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 #: 66247 | State Lic #: MC-1825
$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 #: 541760
$1,168 /mo
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30 yr fixed mtg, 0 points | APR: 3.860% | Rate: 3.825% | Fees: $1,074 | 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 #: 412915
$1,230 /mo
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30 yr fixed mtg, 0 points | APR: 4.308% | Rate: 4.250% | Fees: $1,710 | 60 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

$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.776% | Rate: 3.750% | Fees: $795 | 45 day rate lock

NMLS #: 244476 | State Lic #: MC-5877
$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
$1,192 /mo
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30 yr fixed mtg, 0 points | APR: 3.993% | Rate: 3.990% | Fees: $85 | 30 day rate lock

NMLS #: 2925 | State Lic #: MC-1875
$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.010% | Rate: 4.000% | Fees: $299 | 45 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: $865 | 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)$338$153$103,847
2 ($491)$338$153$103,694
3 ($491)$337$154$103,541
4 ($491)$337$154$103,387
5 ($491)$336$155$103,232
6 ($491)$336$155$103,077
7 ($491)$335$156$102,922
8 ($491)$334$156$102,766
9 ($491)$334$157$102,609
10 ($491)$333$157$102,452
11 ($491)$333$158$102,295
12 ($491)$332$158$102,137
Year 2 - 13 ($491)$332$159$101,978
14 ($491)$331$159$101,819
15 ($491)$331$160$101,659
16 ($491)$330$160$101,499
17 ($491)$330$161$101,338
18 ($491)$329$161$101,177
19 ($491)$329$162$101,015
20 ($491)$328$162$100,853
21 ($491)$328$163$100,690
22 ($491)$327$163$100,527
23 ($491)$327$164$100,363
24 ($491)$326$164$100,199
Year 3 - 25 ($491)$326$165$100,034
26 ($491)$325$165$99,869
27 ($491)$325$166$99,703
28 ($491)$324$167$99,536
29 ($491)$323$167$99,369
30 ($491)$323$168$99,202
31 ($491)$322$168$99,033
32 ($491)$322$169$98,865
33 ($491)$321$169$98,696
34 ($491)$321$170$98,526
35 ($491)$320$170$98,355
36 ($491)$320$171$98,185
Year 4 - 37 ($491)$319$171$98,013
38 ($491)$319$172$97,841
39 ($491)$318$173$97,669
40 ($491)$317$173$97,496
41 ($491)$317$174$97,322
42 ($491)$316$174$97,148
43 ($491)$316$175$96,973
44 ($491)$315$175$96,797
45 ($491)$315$176$96,621
46 ($491)$314$177$96,445
47 ($491)$313$177$96,268
48 ($491)$313$178$96,090
Year 5 - 49 ($491)$312$178$95,912
50 ($491)$312$179$95,733
51 ($491)$311$179$95,554
52 ($491)$311$180$95,374
53 ($491)$310$181$95,193
54 ($491)$309$181$95,012
55 ($491)$309$182$94,830
56 ($491)$308$182$94,648
57 ($491)$308$183$94,465
58 ($491)$307$184$94,282
59 ($491)$306$184$94,097
60 ($491)$306$185$93,913
Year 6 - 61 ($491)$305$185$93,727
62 ($491)$305$186$93,541
63 ($491)$304$187$93,355
64 ($491)$303$187$93,168
65 ($491)$303$188$92,980
66 ($491)$302$188$92,792
67 ($491)$302$189$92,603
68 ($491)$301$190$92,413
69 ($491)$300$190$92,223
70 ($491)$300$191$92,032
71 ($491)$299$191$91,841
72 ($491)$298$192$91,649
Year 7 - 73 ($491)$298$193$91,456
74 ($491)$297$193$91,263
75 ($491)$297$194$91,069
76 ($491)$296$195$90,874
77 ($491)$295$195$90,679
78 ($491)$295$196$90,483
79 ($491)$294$196$90,287
80 ($491)$293$197$90,090
81 ($491)$293$198$89,892
82 ($491)$292$198$89,693
83 ($491)$292$199$89,494
84 ($491)$291$200$89,295
Year 8 - 85 ($491)$290$200$89,094
86 ($491)$290$201$88,893
87 ($491)$289$202$88,692
88 ($491)$288$202$88,490
89 ($491)$288$203$88,287
90 ($491)$287$204$88,083
91 ($491)$286$204$87,879
92 ($491)$286$205$87,674
93 ($491)$285$206$87,468
94 ($491)$284$206$87,262
95 ($491)$284$207$87,055
96 ($491)$283$208$86,847
Year 9 - 97 ($491)$282$208$86,639
98 ($491)$282$209$86,430
99 ($491)$281$210$86,221
100 ($491)$280$210$86,010
101 ($491)$280$211$85,799
102 ($491)$279$212$85,588
103 ($491)$278$212$85,375
104 ($491)$277$213$85,162
105 ($491)$277$214$84,948
106 ($491)$276$214$84,734
107 ($491)$275$215$84,519
108 ($491)$275$216$84,303
Year 10 - 109 ($491)$274$217$84,086
110 ($491)$273$217$83,869
111 ($491)$273$218$83,651
112 ($491)$272$219$83,432
113 ($491)$271$219$83,213
114 ($491)$270$220$82,993
115 ($491)$270$221$82,772
116 ($491)$269$222$82,551
117 ($491)$268$222$82,328
118 ($491)$268$223$82,105
119 ($491)$267$224$81,882
120 ($491)$266$224$81,657
Year 11 - 121 ($491)$265$225$81,432
122 ($491)$265$226$81,206
123 ($491)$264$227$80,980
124 ($491)$263$227$80,752
125 ($491)$262$228$80,524
126 ($491)$262$229$80,295
127 ($491)$261$230$80,066
128 ($491)$260$230$79,835
129 ($491)$259$231$79,604
130 ($491)$259$232$79,373
131 ($491)$258$233$79,140
132 ($491)$257$233$78,907
Year 12 - 133 ($491)$256$234$78,673
134 ($491)$256$235$78,438
135 ($491)$255$236$78,202
136 ($491)$254$236$77,966
137 ($491)$253$237$77,729
138 ($491)$253$238$77,491
139 ($491)$252$239$77,252
140 ($491)$251$239$77,013
141 ($491)$250$240$76,772
142 ($491)$250$241$76,531
143 ($491)$249$242$76,289
144 ($491)$248$243$76,047
Year 13 - 145 ($491)$247$243$75,803
146 ($491)$246$244$75,559
147 ($491)$246$245$75,314
148 ($491)$245$246$75,069
149 ($491)$244$247$74,822
150 ($491)$243$247$74,575
151 ($491)$242$248$74,326
152 ($491)$242$249$74,078
153 ($491)$241$250$73,828
154 ($491)$240$251$73,577
155 ($491)$239$251$73,326
156 ($491)$238$252$73,073
Year 14 - 157 ($491)$237$253$72,820
158 ($491)$237$254$72,567
159 ($491)$236$255$72,312
160 ($491)$235$256$72,056
161 ($491)$234$256$71,800
162 ($491)$233$257$71,543
163 ($491)$233$258$71,285
164 ($491)$232$259$71,026
165 ($491)$231$260$70,766
166 ($491)$230$261$70,506
167 ($491)$229$261$70,244
168 ($491)$228$262$69,982
Year 15 - 169 ($491)$227$263$69,719
170 ($491)$227$264$69,455
171 ($491)$226$265$69,190
172 ($491)$225$266$68,925
173 ($491)$224$267$68,658
174 ($491)$223$267$68,391
175 ($491)$222$268$68,122
176 ($491)$221$269$67,853
177 ($491)$221$270$67,583
178 ($491)$220$271$67,312
179 ($491)$219$272$67,041
180 ($491)$218$273$66,768
Year 16 - 181 ($491)$217$274$66,494
182 ($491)$216$274$66,220
183 ($491)$215$275$65,945
184 ($491)$214$276$65,668
185 ($491)$213$277$65,391
186 ($491)$213$278$65,113
187 ($491)$212$279$64,834
188 ($491)$211$280$64,555
189 ($491)$210$281$64,274
190 ($491)$209$282$63,992
191 ($491)$208$283$63,710
192 ($491)$207$283$63,426
Year 17 - 193 ($491)$206$284$63,142
194 ($491)$205$285$62,856
195 ($491)$204$286$62,570
196 ($491)$203$287$62,283
197 ($491)$202$288$61,995
198 ($491)$201$289$61,706
199 ($491)$201$290$61,416
200 ($491)$200$291$61,125
201 ($491)$199$292$60,833
202 ($491)$198$293$60,540
203 ($491)$197$294$60,246
204 ($491)$196$295$59,952
Year 18 - 205 ($491)$195$296$59,656
206 ($491)$194$297$59,359
207 ($491)$193$298$59,062
208 ($491)$192$299$58,763
209 ($491)$191$300$58,464
210 ($491)$190$301$58,163
211 ($491)$189$302$57,862
212 ($491)$188$302$57,559
213 ($491)$187$303$57,256
214 ($491)$186$304$56,951
215 ($491)$185$305$56,646
216 ($491)$184$306$56,339
Year 19 - 217 ($491)$183$307$56,032
218 ($491)$182$308$55,723
219 ($491)$181$309$55,414
220 ($491)$180$310$55,103
221 ($491)$179$311$54,792
222 ($491)$178$312$54,480
223 ($491)$177$313$54,166
224 ($491)$176$314$53,852
225 ($491)$175$316$53,536
226 ($491)$174$317$53,220
227 ($491)$173$318$52,902
228 ($491)$172$319$52,583
Year 20 - 229 ($491)$171$320$52,264
230 ($491)$170$321$51,943
231 ($491)$169$322$51,621
232 ($491)$168$323$51,299
233 ($491)$167$324$50,975
234 ($491)$166$325$50,650
235 ($491)$165$326$50,324
236 ($491)$164$327$49,997
237 ($491)$162$328$49,669
238 ($491)$161$329$49,340
239 ($491)$160$330$49,010
240 ($491)$159$331$48,678
Year 21 - 241 ($491)$158$332$48,346
242 ($491)$157$333$48,013
243 ($491)$156$334$47,678
244 ($491)$155$336$47,343
245 ($491)$154$337$47,006
246 ($491)$153$338$46,668
247 ($491)$152$339$46,329
248 ($491)$151$340$45,989
249 ($491)$149$341$45,648
250 ($491)$148$342$45,306
251 ($491)$147$343$44,963
252 ($491)$146$344$44,618
Year 22 - 253 ($491)$145$346$44,273
254 ($491)$144$347$43,926
255 ($491)$143$348$43,578
256 ($491)$142$349$43,230
257 ($491)$140$350$42,879
258 ($491)$139$351$42,528
259 ($491)$138$352$42,176
260 ($491)$137$353$41,823
261 ($491)$136$355$41,468
262 ($491)$135$356$41,112
263 ($491)$134$357$40,755
264 ($491)$132$358$40,397
Year 23 - 265 ($491)$131$359$40,038
266 ($491)$130$360$39,677
267 ($491)$129$362$39,316
268 ($491)$128$363$38,953
269 ($491)$127$364$38,589
270 ($491)$125$365$38,224
271 ($491)$124$366$37,858
272 ($491)$123$367$37,490
273 ($491)$122$369$37,122
274 ($491)$121$370$36,752
275 ($491)$119$371$36,381
276 ($491)$118$372$36,008
Year 24 - 277 ($491)$117$374$35,635
278 ($491)$116$375$35,260
279 ($491)$115$376$34,884
280 ($491)$113$377$34,507
281 ($491)$112$378$34,129
282 ($491)$111$380$33,749
283 ($491)$110$381$33,368
284 ($491)$108$382$32,986
285 ($491)$107$383$32,603
286 ($491)$106$385$32,218
287 ($491)$105$386$31,832
288 ($491)$103$387$31,445
Year 25 - 289 ($491)$102$388$31,057
290 ($491)$101$390$30,667
291 ($491)$100$391$30,276
292 ($491)$98$392$29,884
293 ($491)$97$393$29,491
294 ($491)$96$395$29,096
295 ($491)$95$396$28,700
296 ($491)$93$397$28,303
297 ($491)$92$399$27,904
298 ($491)$91$400$27,505
299 ($491)$89$401$27,103
300 ($491)$88$402$26,701
Year 26 - 301 ($491)$87$404$26,297
302 ($491)$85$405$25,892
303 ($491)$84$406$25,486
304 ($491)$83$408$25,078
305 ($491)$82$409$24,669
306 ($491)$80$410$24,259
307 ($491)$79$412$23,847
308 ($491)$78$413$23,434
309 ($491)$76$414$23,020
310 ($491)$75$416$22,604
311 ($491)$73$417$22,187
312 ($491)$72$418$21,768
Year 27 - 313 ($491)$71$420$21,349
314 ($491)$69$421$20,927
315 ($491)$68$423$20,505
316 ($491)$67$424$20,081
317 ($491)$65$425$19,656
318 ($491)$64$427$19,229
319 ($491)$62$428$18,801
320 ($491)$61$429$18,372
321 ($491)$60$431$17,941
322 ($491)$58$432$17,509
323 ($491)$57$434$17,075
324 ($491)$55$435$16,640
Year 28 - 325 ($491)$54$436$16,203
326 ($491)$53$438$15,766
327 ($491)$51$439$15,326
328 ($491)$50$441$14,886
329 ($491)$48$442$14,443
330 ($491)$47$444$14,000
331 ($491)$45$445$13,555
332 ($491)$44$446$13,108
333 ($491)$43$448$12,660
334 ($491)$41$449$12,211
335 ($491)$40$451$11,760
336 ($491)$38$452$11,308
Year 29 - 337 ($491)$37$454$10,854
338 ($491)$35$455$10,399
339 ($491)$34$457$9,942
340 ($491)$32$458$9,484
341 ($491)$31$460$9,024
342 ($491)$29$461$8,563
343 ($491)$28$463$8,100
344 ($491)$26$464$7,636
345 ($491)$25$466$7,170
346 ($491)$23$467$6,703
347 ($491)$22$469$6,234
348 ($491)$20$470$5,764
Year 30 - 349 ($491)$19$472$5,292
350 ($491)$17$473$4,819
351 ($491)$16$475$4,344
352 ($491)$14$476$3,868
353 ($491)$13$478$3,390
354 ($491)$11$480$2,910
355 ($491)$9$481$2,429
356 ($491)$8$483$1,946
357 ($491)$6$484$1,462
358 ($491)$5$486$976
359 ($491)$3$487$489
360 ($491)$2$489$0
TOTALS$72,593$104,000$176,593

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.