« Back to all home prices

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 February 15, 2018. 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


4.38% is current rate for 30-year fixed
3.84% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$520 360 $83,043 $187,043

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $130,000
Down Payment $26,000$104,000
Year 1 - 1 ($520)$380$140$103,860
2 ($520)$379$140$103,720
3 ($520)$379$141$103,579
4 ($520)$378$142$103,437
5 ($520)$378$142$103,295
6 ($520)$377$143$103,153
7 ($520)$377$143$103,009
8 ($520)$376$144$102,866
9 ($520)$375$144$102,722
10 ($520)$375$145$102,577
11 ($520)$374$145$102,432
12 ($520)$374$146$102,286
Year 2 - 13 ($520)$373$146$102,140
14 ($520)$373$147$101,993
15 ($520)$372$147$101,846
16 ($520)$372$148$101,698
17 ($520)$371$148$101,550
18 ($520)$371$149$101,401
19 ($520)$370$149$101,252
20 ($520)$370$150$101,102
21 ($520)$369$151$100,951
22 ($520)$368$151$100,800
23 ($520)$368$152$100,648
24 ($520)$367$152$100,496
Year 3 - 25 ($520)$367$153$100,343
26 ($520)$366$153$100,190
27 ($520)$366$154$100,036
28 ($520)$365$154$99,882
29 ($520)$365$155$99,727
30 ($520)$364$156$99,571
31 ($520)$363$156$99,415
32 ($520)$363$157$99,258
33 ($520)$362$157$99,101
34 ($520)$362$158$98,943
35 ($520)$361$158$98,785
36 ($520)$361$159$98,626
Year 4 - 37 ($520)$360$160$98,466
38 ($520)$359$160$98,306
39 ($520)$359$161$98,145
40 ($520)$358$161$97,984
41 ($520)$358$162$97,822
42 ($520)$357$163$97,659
43 ($520)$356$163$97,496
44 ($520)$356$164$97,333
45 ($520)$355$164$97,168
46 ($520)$355$165$97,003
47 ($520)$354$166$96,838
48 ($520)$353$166$96,672
Year 5 - 49 ($520)$353$167$96,505
50 ($520)$352$167$96,338
51 ($520)$352$168$96,170
52 ($520)$351$169$96,001
53 ($520)$350$169$95,832
54 ($520)$350$170$95,662
55 ($520)$349$170$95,492
56 ($520)$349$171$95,321
57 ($520)$348$172$95,149
58 ($520)$347$172$94,977
59 ($520)$347$173$94,804
60 ($520)$346$174$94,631
Year 6 - 61 ($520)$345$174$94,457
62 ($520)$345$175$94,282
63 ($520)$344$175$94,106
64 ($520)$343$176$93,930
65 ($520)$343$177$93,754
66 ($520)$342$177$93,576
67 ($520)$342$178$93,398
68 ($520)$341$179$93,219
69 ($520)$340$179$93,040
70 ($520)$340$180$92,860
71 ($520)$339$181$92,680
72 ($520)$338$181$92,498
Year 7 - 73 ($520)$338$182$92,316
74 ($520)$337$183$92,134
75 ($520)$336$183$91,950
76 ($520)$336$184$91,767
77 ($520)$335$185$91,582
78 ($520)$334$185$91,397
79 ($520)$334$186$91,211
80 ($520)$333$187$91,024
81 ($520)$332$187$90,837
82 ($520)$332$188$90,649
83 ($520)$331$189$90,460
84 ($520)$330$189$90,271
Year 8 - 85 ($520)$329$190$90,081
86 ($520)$329$191$89,890
87 ($520)$328$191$89,698
88 ($520)$327$192$89,506
89 ($520)$327$193$89,313
90 ($520)$326$194$89,120
91 ($520)$325$194$88,925
92 ($520)$325$195$88,730
93 ($520)$324$196$88,535
94 ($520)$323$196$88,338
95 ($520)$322$197$88,141
96 ($520)$322$198$87,943
Year 9 - 97 ($520)$321$199$87,745
98 ($520)$320$199$87,545
99 ($520)$320$200$87,345
100 ($520)$319$201$87,145
101 ($520)$318$201$86,943
102 ($520)$317$202$86,741
103 ($520)$317$203$86,538
104 ($520)$316$204$86,334
105 ($520)$315$204$86,130
106 ($520)$314$205$85,925
107 ($520)$314$206$85,719
108 ($520)$313$207$85,512
Year 10 - 109 ($520)$312$207$85,305
110 ($520)$311$208$85,096
111 ($520)$311$209$84,887
112 ($520)$310$210$84,678
113 ($520)$309$210$84,467
114 ($520)$308$211$84,256
115 ($520)$308$212$84,044
116 ($520)$307$213$83,831
117 ($520)$306$214$83,618
118 ($520)$305$214$83,403
119 ($520)$304$215$83,188
120 ($520)$304$216$82,972
Year 11 - 121 ($520)$303$217$82,755
122 ($520)$302$218$82,538
123 ($520)$301$218$82,320
124 ($520)$300$219$82,101
125 ($520)$300$220$81,881
126 ($520)$299$221$81,660
127 ($520)$298$222$81,438
128 ($520)$297$222$81,216
129 ($520)$296$223$80,993
130 ($520)$296$224$80,769
131 ($520)$295$225$80,544
132 ($520)$294$226$80,319
Year 12 - 133 ($520)$293$226$80,092
134 ($520)$292$227$79,865
135 ($520)$292$228$79,637
136 ($520)$291$229$79,408
137 ($520)$290$230$79,178
138 ($520)$289$231$78,948
139 ($520)$288$231$78,716
140 ($520)$287$232$78,484
141 ($520)$286$233$78,251
142 ($520)$286$234$78,017
143 ($520)$285$235$77,782
144 ($520)$284$236$77,547
Year 13 - 145 ($520)$283$237$77,310
146 ($520)$282$237$77,073
147 ($520)$281$238$76,835
148 ($520)$280$239$76,595
149 ($520)$280$240$76,355
150 ($520)$279$241$76,115
151 ($520)$278$242$75,873
152 ($520)$277$243$75,630
153 ($520)$276$244$75,387
154 ($520)$275$244$75,142
155 ($520)$274$245$74,897
156 ($520)$273$246$74,651
Year 14 - 157 ($520)$272$247$74,404
158 ($520)$272$248$74,156
159 ($520)$271$249$73,907
160 ($520)$270$250$73,657
161 ($520)$269$251$73,406
162 ($520)$268$252$73,155
163 ($520)$267$253$72,902
164 ($520)$266$253$72,649
165 ($520)$265$254$72,394
166 ($520)$264$255$72,139
167 ($520)$263$256$71,883
168 ($520)$262$257$71,625
Year 15 - 169 ($520)$261$258$71,367
170 ($520)$260$259$71,108
171 ($520)$260$260$70,848
172 ($520)$259$261$70,587
173 ($520)$258$262$70,325
174 ($520)$257$263$70,063
175 ($520)$256$264$69,799
176 ($520)$255$265$69,534
177 ($520)$254$266$69,268
178 ($520)$253$267$69,001
179 ($520)$252$268$68,734
180 ($520)$251$269$68,465
Year 16 - 181 ($520)$250$270$68,195
182 ($520)$249$271$67,925
183 ($520)$248$272$67,653
184 ($520)$247$273$67,380
185 ($520)$246$274$67,107
186 ($520)$245$275$66,832
187 ($520)$244$276$66,557
188 ($520)$243$277$66,280
189 ($520)$242$278$66,002
190 ($520)$241$279$65,724
191 ($520)$240$280$65,444
192 ($520)$239$281$65,163
Year 17 - 193 ($520)$238$282$64,882
194 ($520)$237$283$64,599
195 ($520)$236$284$64,315
196 ($520)$235$285$64,030
197 ($520)$234$286$63,744
198 ($520)$233$287$63,457
199 ($520)$232$288$63,169
200 ($520)$231$289$62,880
201 ($520)$230$290$62,590
202 ($520)$228$291$62,299
203 ($520)$227$292$62,007
204 ($520)$226$293$61,714
Year 18 - 205 ($520)$225$294$61,420
206 ($520)$224$295$61,124
207 ($520)$223$296$60,828
208 ($520)$222$298$60,530
209 ($520)$221$299$60,232
210 ($520)$220$300$59,932
211 ($520)$219$301$59,631
212 ($520)$218$302$59,329
213 ($520)$217$303$59,026
214 ($520)$215$304$58,722
215 ($520)$214$305$58,417
216 ($520)$213$306$58,110
Year 19 - 217 ($520)$212$307$57,803
218 ($520)$211$309$57,494
219 ($520)$210$310$57,185
220 ($520)$209$311$56,874
221 ($520)$208$312$56,562
222 ($520)$206$313$56,249
223 ($520)$205$314$55,935
224 ($520)$204$315$55,619
225 ($520)$203$317$55,303
226 ($520)$202$318$54,985
227 ($520)$201$319$54,666
228 ($520)$200$320$54,346
Year 20 - 229 ($520)$198$321$54,025
230 ($520)$197$322$53,702
231 ($520)$196$324$53,379
232 ($520)$195$325$53,054
233 ($520)$194$326$52,728
234 ($520)$192$327$52,401
235 ($520)$191$328$52,073
236 ($520)$190$329$51,743
237 ($520)$189$331$51,413
238 ($520)$188$332$51,081
239 ($520)$186$333$50,748
240 ($520)$185$334$50,413
Year 21 - 241 ($520)$184$336$50,078
242 ($520)$183$337$49,741
243 ($520)$182$338$49,403
244 ($520)$180$339$49,064
245 ($520)$179$340$48,723
246 ($520)$178$342$48,381
247 ($520)$177$343$48,038
248 ($520)$175$344$47,694
249 ($520)$174$345$47,349
250 ($520)$173$347$47,002
251 ($520)$172$348$46,654
252 ($520)$170$349$46,305
Year 22 - 253 ($520)$169$351$45,954
254 ($520)$168$352$45,602
255 ($520)$166$353$45,249
256 ($520)$165$354$44,895
257 ($520)$164$356$44,539
258 ($520)$163$357$44,182
259 ($520)$161$358$43,824
260 ($520)$160$360$43,464
261 ($520)$159$361$43,103
262 ($520)$157$362$42,741
263 ($520)$156$364$42,378
264 ($520)$155$365$42,013
Year 23 - 265 ($520)$153$366$41,646
266 ($520)$152$368$41,279
267 ($520)$151$369$40,910
268 ($520)$149$370$40,540
269 ($520)$148$372$40,168
270 ($520)$147$373$39,795
271 ($520)$145$374$39,421
272 ($520)$144$376$39,045
273 ($520)$143$377$38,668
274 ($520)$141$378$38,290
275 ($520)$140$380$37,910
276 ($520)$138$381$37,529
Year 24 - 277 ($520)$137$383$37,146
278 ($520)$136$384$36,762
279 ($520)$134$385$36,377
280 ($520)$133$387$35,990
281 ($520)$131$388$35,602
282 ($520)$130$390$35,212
283 ($520)$129$391$34,821
284 ($520)$127$392$34,429
285 ($520)$126$394$34,035
286 ($520)$124$395$33,639
287 ($520)$123$397$33,243
288 ($520)$121$398$32,844
Year 25 - 289 ($520)$120$400$32,445
290 ($520)$118$401$32,044
291 ($520)$117$403$31,641
292 ($520)$115$404$31,237
293 ($520)$114$406$30,831
294 ($520)$113$407$30,424
295 ($520)$111$409$30,016
296 ($520)$110$410$29,606
297 ($520)$108$412$29,194
298 ($520)$107$413$28,781
299 ($520)$105$415$28,367
300 ($520)$104$416$27,951
Year 26 - 301 ($520)$102$418$27,533
302 ($520)$100$419$27,114
303 ($520)$99$421$26,694
304 ($520)$97$422$26,271
305 ($520)$96$424$25,848
306 ($520)$94$425$25,423
307 ($520)$93$427$24,996
308 ($520)$91$428$24,567
309 ($520)$90$430$24,138
310 ($520)$88$431$23,706
311 ($520)$87$433$23,273
312 ($520)$85$435$22,838
Year 27 - 313 ($520)$83$436$22,402
314 ($520)$82$438$21,964
315 ($520)$80$439$21,525
316 ($520)$79$441$21,084
317 ($520)$77$443$20,641
318 ($520)$75$444$20,197
319 ($520)$74$446$19,751
320 ($520)$72$447$19,304
321 ($520)$70$449$18,855
322 ($520)$69$451$18,404
323 ($520)$67$452$17,952
324 ($520)$66$454$17,498
Year 28 - 325 ($520)$64$456$17,042
326 ($520)$62$457$16,585
327 ($520)$61$459$16,126
328 ($520)$59$461$15,665
329 ($520)$57$462$15,202
330 ($520)$55$464$14,738
331 ($520)$54$466$14,273
332 ($520)$52$467$13,805
333 ($520)$50$469$13,336
334 ($520)$49$471$12,865
335 ($520)$47$473$12,392
336 ($520)$45$474$11,918
Year 29 - 337 ($520)$44$476$11,442
338 ($520)$42$478$10,964
339 ($520)$40$480$10,485
340 ($520)$38$481$10,003
341 ($520)$37$483$9,520
342 ($520)$35$485$9,036
343 ($520)$33$487$8,549
344 ($520)$31$488$8,061
345 ($520)$29$490$7,571
346 ($520)$28$492$7,079
347 ($520)$26$494$6,585
348 ($520)$24$496$6,089
Year 30 - 349 ($520)$22$497$5,592
350 ($520)$20$499$5,093
351 ($520)$19$501$4,592
352 ($520)$17$503$4,089
353 ($520)$15$505$3,584
354 ($520)$13$506$3,078
355 ($520)$11$508$2,570
356 ($520)$9$510$2,059
357 ($520)$8$512$1,547
358 ($520)$6$514$1,033
359 ($520)$4$516$518
360 ($520)$2$518$0
TOTALS$83,043$104,000$187,043

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.