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Mortgage Payment Schedule for a $131,000 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 16, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($26,200) may require pre-mortgage insurance


3.95% is current rate for 30-year fixed
3.31% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$497 360 $74,233 $179,033

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,186 or less (zip code: 20149)


NMLS #: 66247 | State Lic #: MC-1825
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.689% | Rate: 3.625% | Fees: $1,962 | 30 day rate lock

NMLS #: 790396
$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 #: 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 #: 258821
$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: 3.907% | Rate: 3.875% | Fees: $962 | 30 day rate lock

NMLS #: 35959 | State Lic #: MC-2967
$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 #: 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 #: 412915
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.182% | Rate: 4.125% | Fees: $1,710 | 60 day rate lock

NMLS #: 2890 | State Lic #: MC-3098
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.751% | Rate: 3.750% | Fees: $23 | 30 day rate lock

$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.758% | Rate: 3.750% | Fees: $259 | 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
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  $131,000
Down Payment $26,200$104,800
Year 1 - 1 ($497)$345$152$104,648
2 ($497)$344$153$104,495
3 ($497)$344$153$104,341
4 ($497)$343$154$104,188
5 ($497)$343$154$104,033
6 ($497)$342$155$103,878
7 ($497)$342$155$103,723
8 ($497)$341$156$103,567
9 ($497)$341$156$103,411
10 ($497)$340$157$103,254
11 ($497)$340$157$103,096
12 ($497)$339$158$102,938
Year 2 - 13 ($497)$339$158$102,780
14 ($497)$338$159$102,621
15 ($497)$338$160$102,461
16 ($497)$337$160$102,301
17 ($497)$337$161$102,141
18 ($497)$336$161$101,980
19 ($497)$336$162$101,818
20 ($497)$335$162$101,656
21 ($497)$335$163$101,493
22 ($497)$334$163$101,330
23 ($497)$334$164$101,166
24 ($497)$333$164$101,002
Year 3 - 25 ($497)$332$165$100,837
26 ($497)$332$165$100,672
27 ($497)$331$166$100,506
28 ($497)$331$166$100,339
29 ($497)$330$167$100,172
30 ($497)$330$168$100,005
31 ($497)$329$168$99,836
32 ($497)$329$169$99,668
33 ($497)$328$169$99,498
34 ($497)$328$170$99,329
35 ($497)$327$170$99,158
36 ($497)$326$171$98,987
Year 4 - 37 ($497)$326$171$98,816
38 ($497)$325$172$98,644
39 ($497)$325$173$98,471
40 ($497)$324$173$98,298
41 ($497)$324$174$98,124
42 ($497)$323$174$97,950
43 ($497)$322$175$97,775
44 ($497)$322$175$97,600
45 ($497)$321$176$97,424
46 ($497)$321$177$97,247
47 ($497)$320$177$97,070
48 ($497)$320$178$96,892
Year 5 - 49 ($497)$319$178$96,714
50 ($497)$318$179$96,535
51 ($497)$318$180$96,355
52 ($497)$317$180$96,175
53 ($497)$317$181$95,994
54 ($497)$316$181$95,813
55 ($497)$315$182$95,631
56 ($497)$315$183$95,448
57 ($497)$314$183$95,265
58 ($497)$314$184$95,082
59 ($497)$313$184$94,897
60 ($497)$312$185$94,712
Year 6 - 61 ($497)$312$186$94,527
62 ($497)$311$186$94,341
63 ($497)$311$187$94,154
64 ($497)$310$187$93,966
65 ($497)$309$188$93,778
66 ($497)$309$189$93,590
67 ($497)$308$189$93,400
68 ($497)$307$190$93,211
69 ($497)$307$190$93,020
70 ($497)$306$191$92,829
71 ($497)$306$192$92,637
72 ($497)$305$192$92,445
Year 7 - 73 ($497)$304$193$92,252
74 ($497)$304$194$92,058
75 ($497)$303$194$91,864
76 ($497)$302$195$91,669
77 ($497)$302$196$91,473
78 ($497)$301$196$91,277
79 ($497)$300$197$91,080
80 ($497)$300$198$90,883
81 ($497)$299$198$90,685
82 ($497)$299$199$90,486
83 ($497)$298$199$90,286
84 ($497)$297$200$90,086
Year 8 - 85 ($497)$297$201$89,885
86 ($497)$296$201$89,684
87 ($497)$295$202$89,482
88 ($497)$295$203$89,279
89 ($497)$294$203$89,076
90 ($497)$293$204$88,872
91 ($497)$293$205$88,667
92 ($497)$292$205$88,461
93 ($497)$291$206$88,255
94 ($497)$291$207$88,048
95 ($497)$290$207$87,841
96 ($497)$289$208$87,633
Year 9 - 97 ($497)$288$209$87,424
98 ($497)$288$210$87,214
99 ($497)$287$210$87,004
100 ($497)$286$211$86,793
101 ($497)$286$212$86,582
102 ($497)$285$212$86,369
103 ($497)$284$213$86,156
104 ($497)$284$214$85,943
105 ($497)$283$214$85,728
106 ($497)$282$215$85,513
107 ($497)$281$216$85,297
108 ($497)$281$217$85,081
Year 10 - 109 ($497)$280$217$84,863
110 ($497)$279$218$84,645
111 ($497)$279$219$84,427
112 ($497)$278$219$84,207
113 ($497)$277$220$83,987
114 ($497)$276$221$83,766
115 ($497)$276$222$83,545
116 ($497)$275$222$83,322
117 ($497)$274$223$83,099
118 ($497)$274$224$82,876
119 ($497)$273$225$82,651
120 ($497)$272$225$82,426
Year 11 - 121 ($497)$271$226$82,200
122 ($497)$271$227$81,973
123 ($497)$270$227$81,746
124 ($497)$269$228$81,517
125 ($497)$268$229$81,288
126 ($497)$268$230$81,059
127 ($497)$267$230$80,828
128 ($497)$266$231$80,597
129 ($497)$265$232$80,365
130 ($497)$265$233$80,132
131 ($497)$264$234$79,898
132 ($497)$263$234$79,664
Year 12 - 133 ($497)$262$235$79,429
134 ($497)$261$236$79,193
135 ($497)$261$237$78,957
136 ($497)$260$237$78,719
137 ($497)$259$238$78,481
138 ($497)$258$239$78,242
139 ($497)$258$240$78,002
140 ($497)$257$241$77,762
141 ($497)$256$241$77,520
142 ($497)$255$242$77,278
143 ($497)$254$243$77,035
144 ($497)$254$244$76,791
Year 13 - 145 ($497)$253$245$76,547
146 ($497)$252$245$76,302
147 ($497)$251$246$76,055
148 ($497)$250$247$75,808
149 ($497)$250$248$75,561
150 ($497)$249$249$75,312
151 ($497)$248$249$75,063
152 ($497)$247$250$74,812
153 ($497)$246$251$74,561
154 ($497)$245$252$74,310
155 ($497)$245$253$74,057
156 ($497)$244$254$73,803
Year 14 - 157 ($497)$243$254$73,549
158 ($497)$242$255$73,294
159 ($497)$241$256$73,038
160 ($497)$240$257$72,781
161 ($497)$240$258$72,523
162 ($497)$239$259$72,264
163 ($497)$238$259$72,005
164 ($497)$237$260$71,745
165 ($497)$236$261$71,483
166 ($497)$235$262$71,221
167 ($497)$234$263$70,959
168 ($497)$234$264$70,695
Year 15 - 169 ($497)$233$265$70,430
170 ($497)$232$265$70,165
171 ($497)$231$266$69,898
172 ($497)$230$267$69,631
173 ($497)$229$268$69,363
174 ($497)$228$269$69,094
175 ($497)$227$270$68,824
176 ($497)$227$271$68,553
177 ($497)$226$272$68,282
178 ($497)$225$273$68,009
179 ($497)$224$273$67,736
180 ($497)$223$274$67,461
Year 16 - 181 ($497)$222$275$67,186
182 ($497)$221$276$66,910
183 ($497)$220$277$66,633
184 ($497)$219$278$66,355
185 ($497)$218$279$66,076
186 ($497)$218$280$65,796
187 ($497)$217$281$65,515
188 ($497)$216$282$65,234
189 ($497)$215$283$64,951
190 ($497)$214$284$64,668
191 ($497)$213$284$64,383
192 ($497)$212$285$64,098
Year 17 - 193 ($497)$211$286$63,812
194 ($497)$210$287$63,524
195 ($497)$209$288$63,236
196 ($497)$208$289$62,947
197 ($497)$207$290$62,657
198 ($497)$206$291$62,366
199 ($497)$205$292$62,074
200 ($497)$204$293$61,781
201 ($497)$203$294$61,487
202 ($497)$202$295$61,192
203 ($497)$201$296$60,896
204 ($497)$200$297$60,599
Year 18 - 205 ($497)$199$298$60,301
206 ($497)$198$299$60,002
207 ($497)$198$300$59,703
208 ($497)$197$301$59,402
209 ($497)$196$302$59,100
210 ($497)$195$303$58,797
211 ($497)$194$304$58,493
212 ($497)$193$305$58,189
213 ($497)$192$306$57,883
214 ($497)$191$307$57,576
215 ($497)$190$308$57,268
216 ($497)$189$309$56,960
Year 19 - 217 ($497)$187$310$56,650
218 ($497)$186$311$56,339
219 ($497)$185$312$56,027
220 ($497)$184$313$55,714
221 ($497)$183$314$55,400
222 ($497)$182$315$55,085
223 ($497)$181$316$54,769
224 ($497)$180$317$54,452
225 ($497)$179$318$54,134
226 ($497)$178$319$53,815
227 ($497)$177$320$53,495
228 ($497)$176$321$53,174
Year 20 - 229 ($497)$175$322$52,851
230 ($497)$174$323$52,528
231 ($497)$173$324$52,204
232 ($497)$172$325$51,878
233 ($497)$171$327$51,552
234 ($497)$170$328$51,224
235 ($497)$169$329$50,895
236 ($497)$168$330$50,565
237 ($497)$166$331$50,235
238 ($497)$165$332$49,903
239 ($497)$164$333$49,570
240 ($497)$163$334$49,235
Year 21 - 241 ($497)$162$335$48,900
242 ($497)$161$336$48,564
243 ($497)$160$337$48,226
244 ($497)$159$339$47,888
245 ($497)$158$340$47,548
246 ($497)$157$341$47,207
247 ($497)$155$342$46,865
248 ($497)$154$343$46,522
249 ($497)$153$344$46,178
250 ($497)$152$345$45,833
251 ($497)$151$346$45,486
252 ($497)$150$348$45,139
Year 22 - 253 ($497)$149$349$44,790
254 ($497)$147$350$44,440
255 ($497)$146$351$44,089
256 ($497)$145$352$43,737
257 ($497)$144$353$43,384
258 ($497)$143$355$43,029
259 ($497)$142$356$42,673
260 ($497)$140$357$42,317
261 ($497)$139$358$41,959
262 ($497)$138$359$41,599
263 ($497)$137$360$41,239
264 ($497)$136$362$40,877
Year 23 - 265 ($497)$135$363$40,515
266 ($497)$133$364$40,151
267 ($497)$132$365$39,785
268 ($497)$131$366$39,419
269 ($497)$130$368$39,052
270 ($497)$129$369$38,683
271 ($497)$127$370$38,313
272 ($497)$126$371$37,942
273 ($497)$125$372$37,569
274 ($497)$124$374$37,196
275 ($497)$122$375$36,821
276 ($497)$121$376$36,445
Year 24 - 277 ($497)$120$377$36,067
278 ($497)$119$379$35,689
279 ($497)$117$380$35,309
280 ($497)$116$381$34,928
281 ($497)$115$382$34,545
282 ($497)$114$384$34,162
283 ($497)$112$385$33,777
284 ($497)$111$386$33,391
285 ($497)$110$387$33,003
286 ($497)$109$389$32,615
287 ($497)$107$390$32,225
288 ($497)$106$391$31,833
Year 25 - 289 ($497)$105$393$31,441
290 ($497)$103$394$31,047
291 ($497)$102$395$30,652
292 ($497)$101$396$30,256
293 ($497)$100$398$29,858
294 ($497)$98$399$29,459
295 ($497)$97$400$29,058
296 ($497)$96$402$28,657
297 ($497)$94$403$28,254
298 ($497)$93$404$27,849
299 ($497)$92$406$27,444
300 ($497)$90$407$27,037
Year 26 - 301 ($497)$89$408$26,629
302 ($497)$88$410$26,219
303 ($497)$86$411$25,808
304 ($497)$85$412$25,395
305 ($497)$84$414$24,982
306 ($497)$82$415$24,567
307 ($497)$81$416$24,150
308 ($497)$79$418$23,732
309 ($497)$78$419$23,313
310 ($497)$77$421$22,893
311 ($497)$75$422$22,471
312 ($497)$74$423$22,047
Year 27 - 313 ($497)$73$425$21,623
314 ($497)$71$426$21,196
315 ($497)$70$428$20,769
316 ($497)$68$429$20,340
317 ($497)$67$430$19,910
318 ($497)$66$432$19,478
319 ($497)$64$433$19,045
320 ($497)$63$435$18,610
321 ($497)$61$436$18,174
322 ($497)$60$437$17,736
323 ($497)$58$439$17,298
324 ($497)$57$440$16,857
Year 28 - 325 ($497)$55$442$16,415
326 ($497)$54$443$15,972
327 ($497)$53$445$15,527
328 ($497)$51$446$15,081
329 ($497)$50$448$14,633
330 ($497)$48$449$14,184
331 ($497)$47$451$13,734
332 ($497)$45$452$13,282
333 ($497)$44$454$12,828
334 ($497)$42$455$12,373
335 ($497)$41$457$11,916
336 ($497)$39$458$11,458
Year 29 - 337 ($497)$38$460$10,999
338 ($497)$36$461$10,537
339 ($497)$35$463$10,075
340 ($497)$33$464$9,611
341 ($497)$32$466$9,145
342 ($497)$30$467$8,678
343 ($497)$29$469$8,209
344 ($497)$27$470$7,739
345 ($497)$25$472$7,267
346 ($497)$24$473$6,794
347 ($497)$22$475$6,319
348 ($497)$21$477$5,842
Year 30 - 349 ($497)$19$478$5,364
350 ($497)$18$480$4,884
351 ($497)$16$481$4,403
352 ($497)$14$483$3,920
353 ($497)$13$484$3,436
354 ($497)$11$486$2,950
355 ($497)$10$488$2,462
356 ($497)$8$489$1,973
357 ($497)$6$491$1,482
358 ($497)$5$492$990
359 ($497)$3$494$496
360 ($497)$2$496$0
TOTALS$74,233$104,800$179,033

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.