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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 September 21, 2017. 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


3.83% is current rate for 30-year fixed
3.13% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$516 360 $75,469 $185,869

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,169 or less (zip code: 20149)


NMLS #: 66247 Cardinal Financial | State Lic #: MC-1825
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.772% | Rate: 3.750% | Fees: $675 | 30 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 #: 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 #: 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

$1,194 /mo
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Next
30 yr fixed mtg, 0 points | APR: 4.029% | Rate: 4.000% | Fees: $870 | 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  $138,000
Down Payment $27,600$110,400
Year 1 - 1 ($516)$352$164$110,236
2 ($516)$352$164$110,072
3 ($516)$351$165$109,907
4 ($516)$351$166$109,741
5 ($516)$350$166$109,575
6 ($516)$350$167$109,408
7 ($516)$349$167$109,241
8 ($516)$349$168$109,074
9 ($516)$348$168$108,906
10 ($516)$348$169$108,737
11 ($516)$347$169$108,568
12 ($516)$347$170$108,398
Year 2 - 13 ($516)$346$170$108,227
14 ($516)$345$171$108,057
15 ($516)$345$171$107,885
16 ($516)$344$172$107,713
17 ($516)$344$173$107,541
18 ($516)$343$173$107,368
19 ($516)$343$174$107,194
20 ($516)$342$174$107,020
21 ($516)$342$175$106,845
22 ($516)$341$175$106,670
23 ($516)$340$176$106,494
24 ($516)$340$176$106,317
Year 3 - 25 ($516)$339$177$106,141
26 ($516)$339$178$105,963
27 ($516)$338$178$105,785
28 ($516)$338$179$105,606
29 ($516)$337$179$105,427
30 ($516)$336$180$105,247
31 ($516)$336$180$105,067
32 ($516)$335$181$104,886
33 ($516)$335$182$104,704
34 ($516)$334$182$104,522
35 ($516)$334$183$104,339
36 ($516)$333$183$104,156
Year 4 - 37 ($516)$332$184$103,972
38 ($516)$332$184$103,788
39 ($516)$331$185$103,603
40 ($516)$331$186$103,417
41 ($516)$330$186$103,231
42 ($516)$329$187$103,044
43 ($516)$329$187$102,857
44 ($516)$328$188$102,669
45 ($516)$328$189$102,480
46 ($516)$327$189$102,291
47 ($516)$326$190$102,101
48 ($516)$326$190$101,910
Year 5 - 49 ($516)$325$191$101,719
50 ($516)$325$192$101,528
51 ($516)$324$192$101,336
52 ($516)$323$193$101,143
53 ($516)$323$193$100,949
54 ($516)$322$194$100,755
55 ($516)$322$195$100,560
56 ($516)$321$195$100,365
57 ($516)$320$196$100,169
58 ($516)$320$197$99,972
59 ($516)$319$197$99,775
60 ($516)$318$198$99,577
Year 6 - 61 ($516)$318$198$99,379
62 ($516)$317$199$99,180
63 ($516)$317$200$98,980
64 ($516)$316$200$98,780
65 ($516)$315$201$98,579
66 ($516)$315$202$98,377
67 ($516)$314$202$98,175
68 ($516)$313$203$97,972
69 ($516)$313$204$97,768
70 ($516)$312$204$97,564
71 ($516)$311$205$97,359
72 ($516)$311$206$97,153
Year 7 - 73 ($516)$310$206$96,947
74 ($516)$309$207$96,740
75 ($516)$309$208$96,533
76 ($516)$308$208$96,324
77 ($516)$307$209$96,116
78 ($516)$307$210$95,906
79 ($516)$306$210$95,696
80 ($516)$305$211$95,485
81 ($516)$305$212$95,273
82 ($516)$304$212$95,061
83 ($516)$303$213$94,848
84 ($516)$303$214$94,635
Year 8 - 85 ($516)$302$214$94,420
86 ($516)$301$215$94,205
87 ($516)$301$216$93,990
88 ($516)$300$216$93,774
89 ($516)$299$217$93,556
90 ($516)$299$218$93,339
91 ($516)$298$218$93,120
92 ($516)$297$219$92,901
93 ($516)$297$220$92,682
94 ($516)$296$220$92,461
95 ($516)$295$221$92,240
96 ($516)$294$222$92,018
Year 9 - 97 ($516)$294$223$91,795
98 ($516)$293$223$91,572
99 ($516)$292$224$91,348
100 ($516)$292$225$91,123
101 ($516)$291$225$90,898
102 ($516)$290$226$90,672
103 ($516)$289$227$90,445
104 ($516)$289$228$90,217
105 ($516)$288$228$89,989
106 ($516)$287$229$89,760
107 ($516)$286$230$89,530
108 ($516)$286$231$89,299
Year 10 - 109 ($516)$285$231$89,068
110 ($516)$284$232$88,836
111 ($516)$284$233$88,603
112 ($516)$283$234$88,370
113 ($516)$282$234$88,135
114 ($516)$281$235$87,900
115 ($516)$281$236$87,665
116 ($516)$280$237$87,428
117 ($516)$279$237$87,191
118 ($516)$278$238$86,953
119 ($516)$278$239$86,714
120 ($516)$277$240$86,474
Year 11 - 121 ($516)$276$240$86,234
122 ($516)$275$241$85,993
123 ($516)$274$242$85,751
124 ($516)$274$243$85,509
125 ($516)$273$243$85,265
126 ($516)$272$244$85,021
127 ($516)$271$245$84,776
128 ($516)$271$246$84,530
129 ($516)$270$247$84,284
130 ($516)$269$247$84,037
131 ($516)$268$248$83,788
132 ($516)$267$249$83,540
Year 12 - 133 ($516)$267$250$83,290
134 ($516)$266$250$83,039
135 ($516)$265$251$82,788
136 ($516)$264$252$82,536
137 ($516)$263$253$82,283
138 ($516)$263$254$82,030
139 ($516)$262$254$81,775
140 ($516)$261$255$81,520
141 ($516)$260$256$81,264
142 ($516)$259$257$81,007
143 ($516)$259$258$80,749
144 ($516)$258$259$80,490
Year 13 - 145 ($516)$257$259$80,231
146 ($516)$256$260$79,971
147 ($516)$255$261$79,710
148 ($516)$254$262$79,448
149 ($516)$254$263$79,185
150 ($516)$253$264$78,921
151 ($516)$252$264$78,657
152 ($516)$251$265$78,392
153 ($516)$250$266$78,126
154 ($516)$249$267$77,859
155 ($516)$248$268$77,591
156 ($516)$248$269$77,322
Year 14 - 157 ($516)$247$270$77,053
158 ($516)$246$270$76,782
159 ($516)$245$271$76,511
160 ($516)$244$272$76,239
161 ($516)$243$273$75,966
162 ($516)$242$274$75,692
163 ($516)$242$275$75,417
164 ($516)$241$276$75,142
165 ($516)$240$276$74,865
166 ($516)$239$277$74,588
167 ($516)$238$278$74,310
168 ($516)$237$279$74,031
Year 15 - 169 ($516)$236$280$73,751
170 ($516)$235$281$73,470
171 ($516)$234$282$73,188
172 ($516)$234$283$72,905
173 ($516)$233$284$72,622
174 ($516)$232$285$72,337
175 ($516)$231$285$72,052
176 ($516)$230$286$71,765
177 ($516)$229$287$71,478
178 ($516)$228$288$71,190
179 ($516)$227$289$70,901
180 ($516)$226$290$70,611
Year 16 - 181 ($516)$225$291$70,320
182 ($516)$224$292$70,028
183 ($516)$224$293$69,735
184 ($516)$223$294$69,441
185 ($516)$222$295$69,147
186 ($516)$221$296$68,851
187 ($516)$220$297$68,555
188 ($516)$219$298$68,257
189 ($516)$218$298$67,959
190 ($516)$217$299$67,659
191 ($516)$216$300$67,359
192 ($516)$215$301$67,058
Year 17 - 193 ($516)$214$302$66,755
194 ($516)$213$303$66,452
195 ($516)$212$304$66,148
196 ($516)$211$305$65,843
197 ($516)$210$306$65,536
198 ($516)$209$307$65,229
199 ($516)$208$308$64,921
200 ($516)$207$309$64,612
201 ($516)$206$310$64,302
202 ($516)$205$311$63,991
203 ($516)$204$312$63,679
204 ($516)$203$313$63,366
Year 18 - 205 ($516)$202$314$63,052
206 ($516)$201$315$62,737
207 ($516)$200$316$62,421
208 ($516)$199$317$62,104
209 ($516)$198$318$61,785
210 ($516)$197$319$61,466
211 ($516)$196$320$61,146
212 ($516)$195$321$60,825
213 ($516)$194$322$60,503
214 ($516)$193$323$60,180
215 ($516)$192$324$59,855
216 ($516)$191$325$59,530
Year 19 - 217 ($516)$190$326$59,204
218 ($516)$189$327$58,877
219 ($516)$188$328$58,548
220 ($516)$187$329$58,219
221 ($516)$186$330$57,888
222 ($516)$185$332$57,557
223 ($516)$184$333$57,224
224 ($516)$183$334$56,890
225 ($516)$182$335$56,556
226 ($516)$181$336$56,220
227 ($516)$179$337$55,883
228 ($516)$178$338$55,545
Year 20 - 229 ($516)$177$339$55,206
230 ($516)$176$340$54,866
231 ($516)$175$341$54,525
232 ($516)$174$342$54,183
233 ($516)$173$343$53,839
234 ($516)$172$344$53,495
235 ($516)$171$346$53,149
236 ($516)$170$347$52,802
237 ($516)$169$348$52,455
238 ($516)$167$349$52,106
239 ($516)$166$350$51,756
240 ($516)$165$351$51,405
Year 21 - 241 ($516)$164$352$51,052
242 ($516)$163$353$50,699
243 ($516)$162$354$50,345
244 ($516)$161$356$49,989
245 ($516)$160$357$49,632
246 ($516)$158$358$49,274
247 ($516)$157$359$48,915
248 ($516)$156$360$48,555
249 ($516)$155$361$48,194
250 ($516)$154$362$47,831
251 ($516)$153$364$47,468
252 ($516)$152$365$47,103
Year 22 - 253 ($516)$150$366$46,737
254 ($516)$149$367$46,370
255 ($516)$148$368$46,001
256 ($516)$147$369$45,632
257 ($516)$146$371$45,261
258 ($516)$144$372$44,889
259 ($516)$143$373$44,516
260 ($516)$142$374$44,142
261 ($516)$141$375$43,767
262 ($516)$140$377$43,390
263 ($516)$138$378$43,012
264 ($516)$137$379$42,633
Year 23 - 265 ($516)$136$380$42,253
266 ($516)$135$381$41,872
267 ($516)$134$383$41,489
268 ($516)$132$384$41,105
269 ($516)$131$385$40,720
270 ($516)$130$386$40,334
271 ($516)$129$388$39,946
272 ($516)$127$389$39,557
273 ($516)$126$390$39,167
274 ($516)$125$391$38,776
275 ($516)$124$393$38,383
276 ($516)$123$394$37,990
Year 24 - 277 ($516)$121$395$37,594
278 ($516)$120$396$37,198
279 ($516)$119$398$36,801
280 ($516)$117$399$36,402
281 ($516)$116$400$36,002
282 ($516)$115$401$35,600
283 ($516)$114$403$35,198
284 ($516)$112$404$34,794
285 ($516)$111$405$34,388
286 ($516)$110$407$33,982
287 ($516)$108$408$33,574
288 ($516)$107$409$33,165
Year 25 - 289 ($516)$106$410$32,754
290 ($516)$105$412$32,343
291 ($516)$103$413$31,929
292 ($516)$102$414$31,515
293 ($516)$101$416$31,099
294 ($516)$99$417$30,682
295 ($516)$98$418$30,264
296 ($516)$97$420$29,844
297 ($516)$95$421$29,423
298 ($516)$94$422$29,001
299 ($516)$93$424$28,577
300 ($516)$91$425$28,152
Year 26 - 301 ($516)$90$426$27,726
302 ($516)$88$428$27,298
303 ($516)$87$429$26,869
304 ($516)$86$431$26,438
305 ($516)$84$432$26,006
306 ($516)$83$433$25,573
307 ($516)$82$435$25,138
308 ($516)$80$436$24,702
309 ($516)$79$437$24,265
310 ($516)$77$439$23,826
311 ($516)$76$440$23,385
312 ($516)$75$442$22,944
Year 27 - 313 ($516)$73$443$22,501
314 ($516)$72$444$22,056
315 ($516)$70$446$21,610
316 ($516)$69$447$21,163
317 ($516)$68$449$20,714
318 ($516)$66$450$20,264
319 ($516)$65$452$19,812
320 ($516)$63$453$19,359
321 ($516)$62$455$18,905
322 ($516)$60$456$18,449
323 ($516)$59$457$17,991
324 ($516)$57$459$17,532
Year 28 - 325 ($516)$56$460$17,072
326 ($516)$54$462$16,610
327 ($516)$53$463$16,147
328 ($516)$52$465$15,682
329 ($516)$50$466$15,216
330 ($516)$49$468$14,748
331 ($516)$47$469$14,279
332 ($516)$46$471$13,808
333 ($516)$44$472$13,336
334 ($516)$43$474$12,862
335 ($516)$41$475$12,387
336 ($516)$40$477$11,910
Year 29 - 337 ($516)$38$478$11,432
338 ($516)$36$480$10,952
339 ($516)$35$481$10,471
340 ($516)$33$483$9,988
341 ($516)$32$484$9,504
342 ($516)$30$486$9,018
343 ($516)$29$488$8,530
344 ($516)$27$489$8,041
345 ($516)$26$491$7,550
346 ($516)$24$492$7,058
347 ($516)$23$494$6,564
348 ($516)$21$495$6,069
Year 30 - 349 ($516)$19$497$5,572
350 ($516)$18$499$5,074
351 ($516)$16$500$4,573
352 ($516)$15$502$4,072
353 ($516)$13$503$3,568
354 ($516)$11$505$3,064
355 ($516)$10$507$2,557
356 ($516)$8$508$2,049
357 ($516)$7$510$1,539
358 ($516)$5$511$1,028
359 ($516)$3$513$515
360 ($516)$2$515$0
TOTALS$75,469$110,400$185,869

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.