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Mortgage Payment Schedule for a $138,000 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% ($27,600) 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
$552 360 $88,153 $198,553

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $138,000
Down Payment $27,600$110,400
Year 1 - 1 ($552)$403$149$110,251
2 ($552)$402$149$110,102
3 ($552)$402$150$109,953
4 ($552)$401$150$109,802
5 ($552)$401$151$109,652
6 ($552)$400$151$109,500
7 ($552)$400$152$109,349
8 ($552)$399$152$109,196
9 ($552)$399$153$109,043
10 ($552)$398$154$108,890
11 ($552)$397$154$108,736
12 ($552)$397$155$108,581
Year 2 - 13 ($552)$396$155$108,426
14 ($552)$396$156$108,270
15 ($552)$395$156$108,113
16 ($552)$395$157$107,957
17 ($552)$394$157$107,799
18 ($552)$393$158$107,641
19 ($552)$393$159$107,482
20 ($552)$392$159$107,323
21 ($552)$392$160$107,163
22 ($552)$391$160$107,003
23 ($552)$391$161$106,842
24 ($552)$390$162$106,680
Year 3 - 25 ($552)$389$162$106,518
26 ($552)$389$163$106,356
27 ($552)$388$163$106,192
28 ($552)$388$164$106,028
29 ($552)$387$165$105,864
30 ($552)$386$165$105,699
31 ($552)$386$166$105,533
32 ($552)$385$166$105,366
33 ($552)$385$167$105,200
34 ($552)$384$168$105,032
35 ($552)$383$168$104,864
36 ($552)$383$169$104,695
Year 4 - 37 ($552)$382$169$104,526
38 ($552)$382$170$104,356
39 ($552)$381$171$104,185
40 ($552)$380$171$104,014
41 ($552)$380$172$103,842
42 ($552)$379$173$103,669
43 ($552)$378$173$103,496
44 ($552)$378$174$103,322
45 ($552)$377$174$103,148
46 ($552)$376$175$102,973
47 ($552)$376$176$102,797
48 ($552)$375$176$102,621
Year 5 - 49 ($552)$375$177$102,444
50 ($552)$374$178$102,266
51 ($552)$373$178$102,088
52 ($552)$373$179$101,909
53 ($552)$372$180$101,730
54 ($552)$371$180$101,549
55 ($552)$371$181$101,368
56 ($552)$370$182$101,187
57 ($552)$369$182$101,005
58 ($552)$369$183$100,822
59 ($552)$368$184$100,638
60 ($552)$367$184$100,454
Year 6 - 61 ($552)$367$185$100,269
62 ($552)$366$186$100,084
63 ($552)$365$186$99,897
64 ($552)$365$187$99,711
65 ($552)$364$188$99,523
66 ($552)$363$188$99,335
67 ($552)$363$189$99,146
68 ($552)$362$190$98,956
69 ($552)$361$190$98,766
70 ($552)$360$191$98,575
71 ($552)$360$192$98,383
72 ($552)$359$192$98,190
Year 7 - 73 ($552)$358$193$97,997
74 ($552)$358$194$97,804
75 ($552)$357$195$97,609
76 ($552)$356$195$97,414
77 ($552)$356$196$97,218
78 ($552)$355$197$97,021
79 ($552)$354$197$96,824
80 ($552)$353$198$96,625
81 ($552)$353$199$96,427
82 ($552)$352$200$96,227
83 ($552)$351$200$96,027
84 ($552)$350$201$95,826
Year 8 - 85 ($552)$350$202$95,624
86 ($552)$349$203$95,421
87 ($552)$348$203$95,218
88 ($552)$348$204$95,014
89 ($552)$347$205$94,809
90 ($552)$346$205$94,604
91 ($552)$345$206$94,398
92 ($552)$345$207$94,191
93 ($552)$344$208$93,983
94 ($552)$343$208$93,775
95 ($552)$342$209$93,565
96 ($552)$342$210$93,355
Year 9 - 97 ($552)$341$211$93,144
98 ($552)$340$212$92,933
99 ($552)$339$212$92,721
100 ($552)$338$213$92,507
101 ($552)$338$214$92,294
102 ($552)$337$215$92,079
103 ($552)$336$215$91,863
104 ($552)$335$216$91,647
105 ($552)$335$217$91,430
106 ($552)$334$218$91,212
107 ($552)$333$219$90,994
108 ($552)$332$219$90,774
Year 10 - 109 ($552)$331$220$90,554
110 ($552)$331$221$90,333
111 ($552)$330$222$90,111
112 ($552)$329$223$89,889
113 ($552)$328$223$89,665
114 ($552)$327$224$89,441
115 ($552)$326$225$89,216
116 ($552)$326$226$88,990
117 ($552)$325$227$88,763
118 ($552)$324$228$88,536
119 ($552)$323$228$88,307
120 ($552)$322$229$88,078
Year 11 - 121 ($552)$321$230$87,848
122 ($552)$321$231$87,617
123 ($552)$320$232$87,385
124 ($552)$319$233$87,153
125 ($552)$318$233$86,919
126 ($552)$317$234$86,685
127 ($552)$316$235$86,450
128 ($552)$316$236$86,214
129 ($552)$315$237$85,977
130 ($552)$314$238$85,739
131 ($552)$313$239$85,501
132 ($552)$312$239$85,261
Year 12 - 133 ($552)$311$240$85,021
134 ($552)$310$241$84,780
135 ($552)$309$242$84,538
136 ($552)$309$243$84,295
137 ($552)$308$244$84,051
138 ($552)$307$245$83,806
139 ($552)$306$246$83,561
140 ($552)$305$247$83,314
141 ($552)$304$247$83,067
142 ($552)$303$248$82,818
143 ($552)$302$249$82,569
144 ($552)$301$250$82,319
Year 13 - 145 ($552)$300$251$82,068
146 ($552)$300$252$81,816
147 ($552)$299$253$81,563
148 ($552)$298$254$81,309
149 ($552)$297$255$81,054
150 ($552)$296$256$80,799
151 ($552)$295$257$80,542
152 ($552)$294$258$80,284
153 ($552)$293$258$80,026
154 ($552)$292$259$79,766
155 ($552)$291$260$79,506
156 ($552)$290$261$79,245
Year 14 - 157 ($552)$289$262$78,982
158 ($552)$288$263$78,719
159 ($552)$287$264$78,455
160 ($552)$286$265$78,190
161 ($552)$285$266$77,924
162 ($552)$284$267$77,657
163 ($552)$283$268$77,388
164 ($552)$282$269$77,119
165 ($552)$281$270$76,849
166 ($552)$280$271$76,578
167 ($552)$280$272$76,306
168 ($552)$279$273$76,033
Year 15 - 169 ($552)$278$274$75,759
170 ($552)$277$275$75,484
171 ($552)$276$276$75,208
172 ($552)$275$277$74,931
173 ($552)$273$278$74,653
174 ($552)$272$279$74,374
175 ($552)$271$280$74,094
176 ($552)$270$281$73,813
177 ($552)$269$282$73,531
178 ($552)$268$283$73,248
179 ($552)$267$284$72,963
180 ($552)$266$285$72,678
Year 16 - 181 ($552)$265$286$72,392
182 ($552)$264$287$72,105
183 ($552)$263$288$71,816
184 ($552)$262$289$71,527
185 ($552)$261$290$71,236
186 ($552)$260$292$70,945
187 ($552)$259$293$70,652
188 ($552)$258$294$70,359
189 ($552)$257$295$70,064
190 ($552)$256$296$69,768
191 ($552)$255$297$69,471
192 ($552)$254$298$69,173
Year 17 - 193 ($552)$252$299$68,874
194 ($552)$251$300$68,574
195 ($552)$250$301$68,273
196 ($552)$249$302$67,970
197 ($552)$248$303$67,667
198 ($552)$247$305$67,362
199 ($552)$246$306$67,057
200 ($552)$245$307$66,750
201 ($552)$244$308$66,442
202 ($552)$243$309$66,133
203 ($552)$241$310$65,823
204 ($552)$240$311$65,512
Year 18 - 205 ($552)$239$312$65,199
206 ($552)$238$314$64,886
207 ($552)$237$315$64,571
208 ($552)$236$316$64,255
209 ($552)$235$317$63,938
210 ($552)$233$318$63,620
211 ($552)$232$319$63,301
212 ($552)$231$320$62,980
213 ($552)$230$322$62,659
214 ($552)$229$323$62,336
215 ($552)$228$324$62,012
216 ($552)$226$325$61,686
Year 19 - 217 ($552)$225$326$61,360
218 ($552)$224$328$61,033
219 ($552)$223$329$60,704
220 ($552)$222$330$60,374
221 ($552)$220$331$60,043
222 ($552)$219$332$59,710
223 ($552)$218$334$59,377
224 ($552)$217$335$59,042
225 ($552)$216$336$58,706
226 ($552)$214$337$58,369
227 ($552)$213$338$58,030
228 ($552)$212$340$57,690
Year 20 - 229 ($552)$211$341$57,349
230 ($552)$209$342$57,007
231 ($552)$208$343$56,664
232 ($552)$207$345$56,319
233 ($552)$206$346$55,973
234 ($552)$204$347$55,626
235 ($552)$203$349$55,277
236 ($552)$202$350$54,927
237 ($552)$200$351$54,576
238 ($552)$199$352$54,224
239 ($552)$198$354$53,870
240 ($552)$197$355$53,516
Year 21 - 241 ($552)$195$356$53,159
242 ($552)$194$358$52,802
243 ($552)$193$359$52,443
244 ($552)$191$360$52,083
245 ($552)$190$361$51,722
246 ($552)$189$363$51,359
247 ($552)$187$364$50,995
248 ($552)$186$365$50,629
249 ($552)$185$367$50,263
250 ($552)$183$368$49,894
251 ($552)$182$369$49,525
252 ($552)$181$371$49,154
Year 22 - 253 ($552)$179$372$48,782
254 ($552)$178$373$48,409
255 ($552)$177$375$48,034
256 ($552)$175$376$47,658
257 ($552)$174$378$47,280
258 ($552)$173$379$46,901
259 ($552)$171$380$46,521
260 ($552)$170$382$46,139
261 ($552)$168$383$45,756
262 ($552)$167$385$45,371
263 ($552)$166$386$44,985
264 ($552)$164$387$44,598
Year 23 - 265 ($552)$163$389$44,209
266 ($552)$161$390$43,819
267 ($552)$160$392$43,428
268 ($552)$159$393$43,034
269 ($552)$157$394$42,640
270 ($552)$156$396$42,244
271 ($552)$154$397$41,847
272 ($552)$153$399$41,448
273 ($552)$151$400$41,048
274 ($552)$150$402$40,646
275 ($552)$148$403$40,243
276 ($552)$147$405$39,838
Year 24 - 277 ($552)$145$406$39,432
278 ($552)$144$408$39,024
279 ($552)$142$409$38,615
280 ($552)$141$411$38,205
281 ($552)$139$412$37,793
282 ($552)$138$414$37,379
283 ($552)$136$415$36,964
284 ($552)$135$417$36,547
285 ($552)$133$418$36,129
286 ($552)$132$420$35,710
287 ($552)$130$421$35,288
288 ($552)$129$423$34,866
Year 25 - 289 ($552)$127$424$34,441
290 ($552)$126$426$34,016
291 ($552)$124$427$33,588
292 ($552)$123$429$33,159
293 ($552)$121$431$32,729
294 ($552)$119$432$32,297
295 ($552)$118$434$31,863
296 ($552)$116$435$31,428
297 ($552)$115$437$30,991
298 ($552)$113$438$30,552
299 ($552)$112$440$30,112
300 ($552)$110$442$29,671
Year 26 - 301 ($552)$108$443$29,228
302 ($552)$107$445$28,783
303 ($552)$105$446$28,336
304 ($552)$103$448$27,888
305 ($552)$102$450$27,438
306 ($552)$100$451$26,987
307 ($552)$99$453$26,534
308 ($552)$97$455$26,079
309 ($552)$95$456$25,623
310 ($552)$94$458$25,165
311 ($552)$92$460$24,705
312 ($552)$90$461$24,244
Year 27 - 313 ($552)$88$463$23,781
314 ($552)$87$465$23,316
315 ($552)$85$466$22,850
316 ($552)$83$468$22,382
317 ($552)$82$470$21,912
318 ($552)$80$472$21,440
319 ($552)$78$473$20,967
320 ($552)$77$475$20,492
321 ($552)$75$477$20,015
322 ($552)$73$478$19,537
323 ($552)$71$480$19,056
324 ($552)$70$482$18,574
Year 28 - 325 ($552)$68$484$18,091
326 ($552)$66$486$17,605
327 ($552)$64$487$17,118
328 ($552)$62$489$16,629
329 ($552)$61$491$16,138
330 ($552)$59$493$15,645
331 ($552)$57$494$15,151
332 ($552)$55$496$14,655
333 ($552)$53$498$14,157
334 ($552)$52$500$13,657
335 ($552)$50$502$13,155
336 ($552)$48$504$12,652
Year 29 - 337 ($552)$46$505$12,146
338 ($552)$44$507$11,639
339 ($552)$42$509$11,130
340 ($552)$41$511$10,619
341 ($552)$39$513$10,106
342 ($552)$37$515$9,592
343 ($552)$35$517$9,075
344 ($552)$33$518$8,557
345 ($552)$31$520$8,036
346 ($552)$29$522$7,514
347 ($552)$27$524$6,990
348 ($552)$26$526$6,464
Year 30 - 349 ($552)$24$528$5,936
350 ($552)$22$530$5,406
351 ($552)$20$532$4,874
352 ($552)$18$534$4,341
353 ($552)$16$536$3,805
354 ($552)$14$538$3,267
355 ($552)$12$540$2,728
356 ($552)$10$542$2,186
357 ($552)$8$544$1,643
358 ($552)$6$546$1,097
359 ($552)$4$548$550
360 ($552)$2$550$0
TOTALS$88,153$110,400$198,553

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.