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Mortgage Payment Schedule for a $145,000 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% ($29,000) 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
$547 360 $80,969 $196,969

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 #: 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 #: 1256692 | State Lic #: MC-5920
$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

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

$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 #: 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 #: 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  $145,000
Down Payment $29,000$116,000
Year 1 - 1 ($547)$377$170$115,830
2 ($547)$376$171$115,659
3 ($547)$376$171$115,488
4 ($547)$375$172$115,316
5 ($547)$375$172$115,144
6 ($547)$374$173$114,971
7 ($547)$374$173$114,797
8 ($547)$373$174$114,623
9 ($547)$373$175$114,449
10 ($547)$372$175$114,274
11 ($547)$371$176$114,098
12 ($547)$371$176$113,921
Year 2 - 13 ($547)$370$177$113,745
14 ($547)$370$177$113,567
15 ($547)$369$178$113,389
16 ($547)$369$179$113,210
17 ($547)$368$179$113,031
18 ($547)$367$180$112,851
19 ($547)$367$180$112,671
20 ($547)$366$181$112,490
21 ($547)$366$182$112,309
22 ($547)$365$182$112,126
23 ($547)$364$183$111,944
24 ($547)$364$183$111,760
Year 3 - 25 ($547)$363$184$111,577
26 ($547)$363$185$111,392
27 ($547)$362$185$111,207
28 ($547)$361$186$111,021
29 ($547)$361$186$110,835
30 ($547)$360$187$110,648
31 ($547)$360$188$110,460
32 ($547)$359$188$110,272
33 ($547)$358$189$110,084
34 ($547)$358$189$109,894
35 ($547)$357$190$109,704
36 ($547)$357$191$109,514
Year 4 - 37 ($547)$356$191$109,322
38 ($547)$355$192$109,131
39 ($547)$355$192$108,938
40 ($547)$354$193$108,745
41 ($547)$353$194$108,551
42 ($547)$353$194$108,357
43 ($547)$352$195$108,162
44 ($547)$352$196$107,966
45 ($547)$351$196$107,770
46 ($547)$350$197$107,573
47 ($547)$350$198$107,376
48 ($547)$349$198$107,178
Year 5 - 49 ($547)$348$199$106,979
50 ($547)$348$199$106,779
51 ($547)$347$200$106,579
52 ($547)$346$201$106,378
53 ($547)$346$201$106,177
54 ($547)$345$202$105,975
55 ($547)$344$203$105,772
56 ($547)$344$203$105,569
57 ($547)$343$204$105,365
58 ($547)$342$205$105,160
59 ($547)$342$205$104,955
60 ($547)$341$206$104,749
Year 6 - 61 ($547)$340$207$104,542
62 ($547)$340$207$104,335
63 ($547)$339$208$104,127
64 ($547)$338$209$103,918
65 ($547)$338$209$103,708
66 ($547)$337$210$103,498
67 ($547)$336$211$103,288
68 ($547)$336$211$103,076
69 ($547)$335$212$102,864
70 ($547)$334$213$102,651
71 ($547)$334$214$102,438
72 ($547)$333$214$102,223
Year 7 - 73 ($547)$332$215$102,009
74 ($547)$332$216$101,793
75 ($547)$331$216$101,577
76 ($547)$330$217$101,360
77 ($547)$329$218$101,142
78 ($547)$329$218$100,924
79 ($547)$328$219$100,704
80 ($547)$327$220$100,485
81 ($547)$327$221$100,264
82 ($547)$326$221$100,043
83 ($547)$325$222$99,821
84 ($547)$324$223$99,598
Year 8 - 85 ($547)$324$223$99,375
86 ($547)$323$224$99,150
87 ($547)$322$225$98,925
88 ($547)$322$226$98,700
89 ($547)$321$226$98,473
90 ($547)$320$227$98,246
91 ($547)$319$228$98,019
92 ($547)$319$229$97,790
93 ($547)$318$229$97,561
94 ($547)$317$230$97,331
95 ($547)$316$231$97,100
96 ($547)$316$232$96,868
Year 9 - 97 ($547)$315$232$96,636
98 ($547)$314$233$96,403
99 ($547)$313$234$96,169
100 ($547)$313$235$95,934
101 ($547)$312$235$95,699
102 ($547)$311$236$95,463
103 ($547)$310$237$95,226
104 ($547)$309$238$94,988
105 ($547)$309$238$94,750
106 ($547)$308$239$94,511
107 ($547)$307$240$94,271
108 ($547)$306$241$94,030
Year 10 - 109 ($547)$306$242$93,789
110 ($547)$305$242$93,546
111 ($547)$304$243$93,303
112 ($547)$303$244$93,059
113 ($547)$302$245$92,815
114 ($547)$302$245$92,569
115 ($547)$301$246$92,323
116 ($547)$300$247$92,076
117 ($547)$299$248$91,828
118 ($547)$298$249$91,579
119 ($547)$298$250$91,330
120 ($547)$297$250$91,079
Year 11 - 121 ($547)$296$251$90,828
122 ($547)$295$252$90,576
123 ($547)$294$253$90,323
124 ($547)$294$254$90,070
125 ($547)$293$254$89,815
126 ($547)$292$255$89,560
127 ($547)$291$256$89,304
128 ($547)$290$257$89,047
129 ($547)$289$258$88,790
130 ($547)$289$259$88,531
131 ($547)$288$259$88,272
132 ($547)$287$260$88,011
Year 12 - 133 ($547)$286$261$87,750
134 ($547)$285$262$87,488
135 ($547)$284$263$87,225
136 ($547)$283$264$86,962
137 ($547)$283$265$86,697
138 ($547)$282$265$86,432
139 ($547)$281$266$86,166
140 ($547)$280$267$85,899
141 ($547)$279$268$85,631
142 ($547)$278$269$85,362
143 ($547)$277$270$85,092
144 ($547)$277$271$84,822
Year 13 - 145 ($547)$276$271$84,550
146 ($547)$275$272$84,278
147 ($547)$274$273$84,004
148 ($547)$273$274$83,730
149 ($547)$272$275$83,455
150 ($547)$271$276$83,179
151 ($547)$270$277$82,903
152 ($547)$269$278$82,625
153 ($547)$269$279$82,346
154 ($547)$268$280$82,067
155 ($547)$267$280$81,786
156 ($547)$266$281$81,505
Year 14 - 157 ($547)$265$282$81,223
158 ($547)$264$283$80,940
159 ($547)$263$284$80,656
160 ($547)$262$285$80,371
161 ($547)$261$286$80,085
162 ($547)$260$287$79,798
163 ($547)$259$288$79,510
164 ($547)$258$289$79,221
165 ($547)$257$290$78,932
166 ($547)$257$291$78,641
167 ($547)$256$292$78,349
168 ($547)$255$292$78,057
Year 15 - 169 ($547)$254$293$77,763
170 ($547)$253$294$77,469
171 ($547)$252$295$77,174
172 ($547)$251$296$76,877
173 ($547)$250$297$76,580
174 ($547)$249$298$76,282
175 ($547)$248$299$75,983
176 ($547)$247$300$75,682
177 ($547)$246$301$75,381
178 ($547)$245$302$75,079
179 ($547)$244$303$74,776
180 ($547)$243$304$74,472
Year 16 - 181 ($547)$242$305$74,167
182 ($547)$241$306$73,861
183 ($547)$240$307$73,554
184 ($547)$239$308$73,246
185 ($547)$238$309$72,936
186 ($547)$237$310$72,626
187 ($547)$236$311$72,315
188 ($547)$235$312$72,003
189 ($547)$234$313$71,690
190 ($547)$233$314$71,376
191 ($547)$232$315$71,061
192 ($547)$231$316$70,745
Year 17 - 193 ($547)$230$317$70,427
194 ($547)$229$318$70,109
195 ($547)$228$319$69,790
196 ($547)$227$320$69,469
197 ($547)$226$321$69,148
198 ($547)$225$322$68,826
199 ($547)$224$323$68,502
200 ($547)$223$325$68,178
201 ($547)$222$326$67,852
202 ($547)$221$327$67,526
203 ($547)$219$328$67,198
204 ($547)$218$329$66,869
Year 18 - 205 ($547)$217$330$66,539
206 ($547)$216$331$66,208
207 ($547)$215$332$65,876
208 ($547)$214$333$65,543
209 ($547)$213$334$65,209
210 ($547)$212$335$64,874
211 ($547)$211$336$64,538
212 ($547)$210$337$64,200
213 ($547)$209$338$63,862
214 ($547)$208$340$63,522
215 ($547)$206$341$63,182
216 ($547)$205$342$62,840
Year 19 - 217 ($547)$204$343$62,497
218 ($547)$203$344$62,153
219 ($547)$202$345$61,808
220 ($547)$201$346$61,462
221 ($547)$200$347$61,114
222 ($547)$199$349$60,766
223 ($547)$197$350$60,416
224 ($547)$196$351$60,065
225 ($547)$195$352$59,713
226 ($547)$194$353$59,360
227 ($547)$193$354$59,006
228 ($547)$192$355$58,651
Year 20 - 229 ($547)$191$357$58,294
230 ($547)$189$358$57,936
231 ($547)$188$359$57,578
232 ($547)$187$360$57,218
233 ($547)$186$361$56,856
234 ($547)$185$362$56,494
235 ($547)$184$364$56,131
236 ($547)$182$365$55,766
237 ($547)$181$366$55,400
238 ($547)$180$367$55,033
239 ($547)$179$368$54,665
240 ($547)$178$369$54,295
Year 21 - 241 ($547)$176$371$53,924
242 ($547)$175$372$53,553
243 ($547)$174$373$53,179
244 ($547)$173$374$52,805
245 ($547)$172$376$52,430
246 ($547)$170$377$52,053
247 ($547)$169$378$51,675
248 ($547)$168$379$51,296
249 ($547)$167$380$50,915
250 ($547)$165$382$50,534
251 ($547)$164$383$50,151
252 ($547)$163$384$49,767
Year 22 - 253 ($547)$162$385$49,381
254 ($547)$160$387$48,995
255 ($547)$159$388$48,607
256 ($547)$158$389$48,218
257 ($547)$157$390$47,827
258 ($547)$155$392$47,435
259 ($547)$154$393$47,042
260 ($547)$153$394$46,648
261 ($547)$152$396$46,253
262 ($547)$150$397$45,856
263 ($547)$149$398$45,458
264 ($547)$148$399$45,058
Year 23 - 265 ($547)$146$401$44,658
266 ($547)$145$402$44,256
267 ($547)$144$403$43,852
268 ($547)$143$405$43,448
269 ($547)$141$406$43,042
270 ($547)$140$407$42,635
271 ($547)$139$409$42,226
272 ($547)$137$410$41,816
273 ($547)$136$411$41,405
274 ($547)$135$413$40,992
275 ($547)$133$414$40,578
276 ($547)$132$415$40,163
Year 24 - 277 ($547)$131$417$39,747
278 ($547)$129$418$39,329
279 ($547)$128$419$38,909
280 ($547)$126$421$38,489
281 ($547)$125$422$38,067
282 ($547)$124$423$37,643
283 ($547)$122$425$37,218
284 ($547)$121$426$36,792
285 ($547)$120$428$36,365
286 ($547)$118$429$35,936
287 ($547)$117$430$35,505
288 ($547)$115$432$35,074
Year 25 - 289 ($547)$114$433$34,640
290 ($547)$113$435$34,206
291 ($547)$111$436$33,770
292 ($547)$110$437$33,332
293 ($547)$108$439$32,894
294 ($547)$107$440$32,453
295 ($547)$105$442$32,012
296 ($547)$104$443$31,569
297 ($547)$103$445$31,124
298 ($547)$101$446$30,678
299 ($547)$100$447$30,231
300 ($547)$98$449$29,782
Year 26 - 301 ($547)$97$450$29,332
302 ($547)$95$452$28,880
303 ($547)$94$453$28,426
304 ($547)$92$455$27,972
305 ($547)$91$456$27,515
306 ($547)$89$458$27,058
307 ($547)$88$459$26,599
308 ($547)$86$461$26,138
309 ($547)$85$462$25,676
310 ($547)$83$464$25,212
311 ($547)$82$465$24,747
312 ($547)$80$467$24,280
Year 27 - 313 ($547)$79$468$23,812
314 ($547)$77$470$23,342
315 ($547)$76$471$22,871
316 ($547)$74$473$22,398
317 ($547)$73$474$21,924
318 ($547)$71$476$21,448
319 ($547)$70$477$20,970
320 ($547)$68$479$20,491
321 ($547)$67$481$20,011
322 ($547)$65$482$19,529
323 ($547)$63$484$19,045
324 ($547)$62$485$18,560
Year 28 - 325 ($547)$60$487$18,073
326 ($547)$59$488$17,585
327 ($547)$57$490$17,095
328 ($547)$56$492$16,603
329 ($547)$54$493$16,110
330 ($547)$52$495$15,615
331 ($547)$51$496$15,119
332 ($547)$49$498$14,621
333 ($547)$48$500$14,121
334 ($547)$46$501$13,620
335 ($547)$44$503$13,117
336 ($547)$43$505$12,612
Year 29 - 337 ($547)$41$506$12,106
338 ($547)$39$508$11,599
339 ($547)$38$509$11,089
340 ($547)$36$511$10,578
341 ($547)$34$513$10,065
342 ($547)$33$514$9,551
343 ($547)$31$516$9,035
344 ($547)$29$518$8,517
345 ($547)$28$519$7,998
346 ($547)$26$521$7,476
347 ($547)$24$523$6,954
348 ($547)$23$525$6,429
Year 30 - 349 ($547)$21$526$5,903
350 ($547)$19$528$5,375
351 ($547)$17$530$4,845
352 ($547)$16$531$4,314
353 ($547)$14$533$3,781
354 ($547)$12$535$3,246
355 ($547)$11$537$2,709
356 ($547)$9$538$2,171
357 ($547)$7$540$1,631
358 ($547)$5$542$1,089
359 ($547)$4$544$545
360 ($547)$2$545$0
TOTALS$80,969$116,000$196,969

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.