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Mortgage Payment Schedule for a $164,000 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 December 14, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($32,800) may require pre-mortgage insurance


3.93% is current rate for 30-year fixed
3.36% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$621 360 $92,391 $223,591

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,183 or less (zip code: 20149)


NMLS #: 1077157 | State Lic #: MC-5804
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.657% | Rate: 3.625% | Fees: $988 | 30 day rate lock

NMLS #: 66247 | State Lic #: MC-1825
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.685% | Rate: 3.625% | Fees: $1,842 | 30 day rate lock

NMLS #: 134407 | State Lic #: MC-5378
$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 #: 3232 | State Lic #: MC-1532
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.750% | Rate: 3.750% | Fees: $0 | 40 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 #: 122701 | State Lic #: MC-1186
$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 #: 447490
$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 #: 258821
$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 #: 2890 | State Lic #: MC-3098
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.756% | Rate: 3.750% | Fees: $189 | 30 day rate lock

NMLS #: 424182
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.783% | Rate: 3.750% | Fees: $994 | 30 day rate lock

NMLS #: 1023 | State Lic #: MC-5814
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.875% | Rate: 3.875% | Fees: $0 | 45 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 #: 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 #: 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

NMLS #: 417490
$1,192 /mo
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30 yr fixed mtg, 0 points | APR: 3.994% | Rate: 3.990% | Fees: $130 | 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: $865 | 45 day rate lock

NMLS #: 2925 | State Lic #: MC-1875
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.135% | Rate: 4.125% | Fees: $299 | 45 day rate lock

$1,228 /mo
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30 yr fixed mtg, 0 points | APR: 4.240% | Rate: 4.240% | 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
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  $164,000
Down Payment $32,800$131,200
Year 1 - 1 ($621)$430$191$131,009
2 ($621)$429$192$130,817
3 ($621)$428$193$130,624
4 ($621)$428$193$130,431
5 ($621)$427$194$130,237
6 ($621)$427$195$130,042
7 ($621)$426$195$129,847
8 ($621)$425$196$129,651
9 ($621)$425$196$129,455
10 ($621)$424$197$129,257
11 ($621)$423$198$129,060
12 ($621)$423$198$128,861
Year 2 - 13 ($621)$422$199$128,662
14 ($621)$421$200$128,463
15 ($621)$421$200$128,262
16 ($621)$420$201$128,061
17 ($621)$419$202$127,859
18 ($621)$419$202$127,657
19 ($621)$418$203$127,454
20 ($621)$417$204$127,250
21 ($621)$417$204$127,046
22 ($621)$416$205$126,841
23 ($621)$415$206$126,635
24 ($621)$415$206$126,429
Year 3 - 25 ($621)$414$207$126,222
26 ($621)$413$208$126,014
27 ($621)$413$208$125,806
28 ($621)$412$209$125,597
29 ($621)$411$210$125,387
30 ($621)$411$210$125,177
31 ($621)$410$211$124,965
32 ($621)$409$212$124,754
33 ($621)$409$213$124,541
34 ($621)$408$213$124,328
35 ($621)$407$214$124,114
36 ($621)$406$215$123,899
Year 4 - 37 ($621)$406$215$123,684
38 ($621)$405$216$123,468
39 ($621)$404$217$123,251
40 ($621)$404$217$123,034
41 ($621)$403$218$122,816
42 ($621)$402$219$122,597
43 ($621)$402$220$122,377
44 ($621)$401$220$122,157
45 ($621)$400$221$121,936
46 ($621)$399$222$121,714
47 ($621)$399$222$121,492
48 ($621)$398$223$121,269
Year 5 - 49 ($621)$397$224$121,045
50 ($621)$396$225$120,820
51 ($621)$396$225$120,595
52 ($621)$395$226$120,368
53 ($621)$394$227$120,142
54 ($621)$393$228$119,914
55 ($621)$393$228$119,686
56 ($621)$392$229$119,456
57 ($621)$391$230$119,227
58 ($621)$390$231$118,996
59 ($621)$390$231$118,765
60 ($621)$389$232$118,532
Year 6 - 61 ($621)$388$233$118,300
62 ($621)$387$234$118,066
63 ($621)$387$234$117,832
64 ($621)$386$235$117,596
65 ($621)$385$236$117,360
66 ($621)$384$237$117,124
67 ($621)$384$238$116,886
68 ($621)$383$238$116,648
69 ($621)$382$239$116,409
70 ($621)$381$240$116,169
71 ($621)$380$241$115,928
72 ($621)$380$241$115,687
Year 7 - 73 ($621)$379$242$115,445
74 ($621)$378$243$115,202
75 ($621)$377$244$114,958
76 ($621)$376$245$114,713
77 ($621)$376$245$114,468
78 ($621)$375$246$114,222
79 ($621)$374$247$113,975
80 ($621)$373$248$113,727
81 ($621)$372$249$113,478
82 ($621)$372$249$113,229
83 ($621)$371$250$112,978
84 ($621)$370$251$112,727
Year 8 - 85 ($621)$369$252$112,476
86 ($621)$368$253$112,223
87 ($621)$368$254$111,969
88 ($621)$367$254$111,715
89 ($621)$366$255$111,460
90 ($621)$365$256$111,204
91 ($621)$364$257$110,947
92 ($621)$363$258$110,689
93 ($621)$363$259$110,430
94 ($621)$362$259$110,171
95 ($621)$361$260$109,911
96 ($621)$360$261$109,650
Year 9 - 97 ($621)$359$262$109,388
98 ($621)$358$263$109,125
99 ($621)$357$264$108,861
100 ($621)$357$265$108,596
101 ($621)$356$265$108,331
102 ($621)$355$266$108,065
103 ($621)$354$267$107,798
104 ($621)$353$268$107,529
105 ($621)$352$269$107,261
106 ($621)$351$270$106,991
107 ($621)$350$271$106,720
108 ($621)$350$272$106,448
Year 10 - 109 ($621)$349$272$106,176
110 ($621)$348$273$105,903
111 ($621)$347$274$105,628
112 ($621)$346$275$105,353
113 ($621)$345$276$105,077
114 ($621)$344$277$104,800
115 ($621)$343$278$104,522
116 ($621)$342$279$104,244
117 ($621)$341$280$103,964
118 ($621)$340$281$103,683
119 ($621)$340$282$103,402
120 ($621)$339$282$103,119
Year 11 - 121 ($621)$338$283$102,836
122 ($621)$337$284$102,552
123 ($621)$336$285$102,266
124 ($621)$335$286$101,980
125 ($621)$334$287$101,693
126 ($621)$333$288$101,405
127 ($621)$332$289$101,116
128 ($621)$331$290$100,826
129 ($621)$330$291$100,535
130 ($621)$329$292$100,243
131 ($621)$328$293$99,951
132 ($621)$327$294$99,657
Year 12 - 133 ($621)$326$295$99,362
134 ($621)$325$296$99,067
135 ($621)$324$297$98,770
136 ($621)$323$298$98,472
137 ($621)$322$299$98,174
138 ($621)$322$300$97,874
139 ($621)$321$301$97,574
140 ($621)$320$302$97,272
141 ($621)$319$303$96,970
142 ($621)$318$304$96,666
143 ($621)$317$305$96,362
144 ($621)$316$306$96,056
Year 13 - 145 ($621)$315$307$95,750
146 ($621)$314$308$95,442
147 ($621)$313$309$95,134
148 ($621)$312$310$94,824
149 ($621)$311$311$94,513
150 ($621)$310$312$94,202
151 ($621)$309$313$93,889
152 ($621)$307$314$93,576
153 ($621)$306$315$93,261
154 ($621)$305$316$92,945
155 ($621)$304$317$92,629
156 ($621)$303$318$92,311
Year 14 - 157 ($621)$302$319$91,992
158 ($621)$301$320$91,672
159 ($621)$300$321$91,352
160 ($621)$299$322$91,030
161 ($621)$298$323$90,707
162 ($621)$297$324$90,383
163 ($621)$296$325$90,058
164 ($621)$295$326$89,731
165 ($621)$294$327$89,404
166 ($621)$293$328$89,076
167 ($621)$292$329$88,747
168 ($621)$291$330$88,416
Year 15 - 169 ($621)$290$332$88,085
170 ($621)$288$333$87,752
171 ($621)$287$334$87,418
172 ($621)$286$335$87,084
173 ($621)$285$336$86,748
174 ($621)$284$337$86,411
175 ($621)$283$338$86,073
176 ($621)$282$339$85,733
177 ($621)$281$340$85,393
178 ($621)$280$341$85,052
179 ($621)$279$343$84,709
180 ($621)$277$344$84,365
Year 16 - 181 ($621)$276$345$84,021
182 ($621)$275$346$83,675
183 ($621)$274$347$83,328
184 ($621)$273$348$82,980
185 ($621)$272$349$82,630
186 ($621)$271$350$82,280
187 ($621)$269$352$81,928
188 ($621)$268$353$81,575
189 ($621)$267$354$81,221
190 ($621)$266$355$80,866
191 ($621)$265$356$80,510
192 ($621)$264$357$80,153
Year 17 - 193 ($621)$262$359$79,794
194 ($621)$261$360$79,434
195 ($621)$260$361$79,073
196 ($621)$259$362$78,711
197 ($621)$258$363$78,348
198 ($621)$257$364$77,983
199 ($621)$255$366$77,618
200 ($621)$254$367$77,251
201 ($621)$253$368$76,883
202 ($621)$252$369$76,513
203 ($621)$251$371$76,143
204 ($621)$249$372$75,771
Year 18 - 205 ($621)$248$373$75,398
206 ($621)$247$374$75,024
207 ($621)$246$375$74,649
208 ($621)$244$377$74,272
209 ($621)$243$378$73,894
210 ($621)$242$379$73,515
211 ($621)$241$380$73,135
212 ($621)$240$382$72,753
213 ($621)$238$383$72,371
214 ($621)$237$384$71,986
215 ($621)$236$385$71,601
216 ($621)$234$387$71,215
Year 19 - 217 ($621)$233$388$70,827
218 ($621)$232$389$70,438
219 ($621)$231$390$70,047
220 ($621)$229$392$69,655
221 ($621)$228$393$69,262
222 ($621)$227$394$68,868
223 ($621)$226$396$68,473
224 ($621)$224$397$68,076
225 ($621)$223$398$67,678
226 ($621)$222$399$67,278
227 ($621)$220$401$66,878
228 ($621)$219$402$66,475
Year 20 - 229 ($621)$218$403$66,072
230 ($621)$216$405$65,667
231 ($621)$215$406$65,261
232 ($621)$214$407$64,854
233 ($621)$212$409$64,445
234 ($621)$211$410$64,035
235 ($621)$210$411$63,624
236 ($621)$208$413$63,211
237 ($621)$207$414$62,797
238 ($621)$206$415$62,382
239 ($621)$204$417$61,965
240 ($621)$203$418$61,547
Year 21 - 241 ($621)$202$420$61,127
242 ($621)$200$421$60,706
243 ($621)$199$422$60,284
244 ($621)$197$424$59,860
245 ($621)$196$425$59,435
246 ($621)$195$426$59,009
247 ($621)$193$428$58,581
248 ($621)$192$429$58,152
249 ($621)$190$431$57,721
250 ($621)$189$432$57,289
251 ($621)$188$433$56,856
252 ($621)$186$435$56,421
Year 22 - 253 ($621)$185$436$55,985
254 ($621)$183$438$55,547
255 ($621)$182$439$55,108
256 ($621)$180$441$54,667
257 ($621)$179$442$54,225
258 ($621)$178$443$53,781
259 ($621)$176$445$53,337
260 ($621)$175$446$52,890
261 ($621)$173$448$52,442
262 ($621)$172$449$51,993
263 ($621)$170$451$51,542
264 ($621)$169$452$51,090
Year 23 - 265 ($621)$167$454$50,636
266 ($621)$166$455$50,181
267 ($621)$164$457$49,724
268 ($621)$163$458$49,266
269 ($621)$161$460$48,806
270 ($621)$160$461$48,345
271 ($621)$158$463$47,882
272 ($621)$157$464$47,418
273 ($621)$155$466$46,952
274 ($621)$154$467$46,485
275 ($621)$152$469$46,016
276 ($621)$151$470$45,545
Year 24 - 277 ($621)$149$472$45,074
278 ($621)$148$473$44,600
279 ($621)$146$475$44,125
280 ($621)$145$477$43,648
281 ($621)$143$478$43,170
282 ($621)$141$480$42,691
283 ($621)$140$481$42,209
284 ($621)$138$483$41,727
285 ($621)$137$484$41,242
286 ($621)$135$486$40,756
287 ($621)$133$488$40,268
288 ($621)$132$489$39,779
Year 25 - 289 ($621)$130$491$39,288
290 ($621)$129$492$38,796
291 ($621)$127$494$38,302
292 ($621)$125$496$37,806
293 ($621)$124$497$37,309
294 ($621)$122$499$36,810
295 ($621)$121$501$36,310
296 ($621)$119$502$35,807
297 ($621)$117$504$35,304
298 ($621)$116$505$34,798
299 ($621)$114$507$34,291
300 ($621)$112$509$33,782
Year 26 - 301 ($621)$111$510$33,272
302 ($621)$109$512$32,760
303 ($621)$107$514$32,246
304 ($621)$106$515$31,730
305 ($621)$104$517$31,213
306 ($621)$102$519$30,694
307 ($621)$101$521$30,174
308 ($621)$99$522$29,652
309 ($621)$97$524$29,128
310 ($621)$95$526$28,602
311 ($621)$94$527$28,075
312 ($621)$92$529$27,545
Year 27 - 313 ($621)$90$531$27,014
314 ($621)$88$533$26,482
315 ($621)$87$534$25,948
316 ($621)$85$536$25,411
317 ($621)$83$538$24,874
318 ($621)$81$540$24,334
319 ($621)$80$541$23,793
320 ($621)$78$543$23,249
321 ($621)$76$545$22,704
322 ($621)$74$547$22,158
323 ($621)$73$549$21,609
324 ($621)$71$550$21,059
Year 28 - 325 ($621)$69$552$20,507
326 ($621)$67$554$19,953
327 ($621)$65$556$19,397
328 ($621)$64$558$18,840
329 ($621)$62$559$18,280
330 ($621)$60$561$17,719
331 ($621)$58$563$17,156
332 ($621)$56$565$16,591
333 ($621)$54$567$16,024
334 ($621)$52$569$15,456
335 ($621)$51$570$14,885
336 ($621)$49$572$14,313
Year 29 - 337 ($621)$47$574$13,739
338 ($621)$45$576$13,162
339 ($621)$43$578$12,585
340 ($621)$41$580$12,005
341 ($621)$39$582$11,423
342 ($621)$37$584$10,839
343 ($621)$35$586$10,254
344 ($621)$34$588$9,666
345 ($621)$32$589$9,077
346 ($621)$30$591$8,485
347 ($621)$28$593$7,892
348 ($621)$26$595$7,297
Year 30 - 349 ($621)$24$597$6,700
350 ($621)$22$599$6,100
351 ($621)$20$601$5,499
352 ($621)$18$603$4,896
353 ($621)$16$605$4,291
354 ($621)$14$607$3,684
355 ($621)$12$609$3,075
356 ($621)$10$611$2,464
357 ($621)$8$613$1,851
358 ($621)$6$615$1,236
359 ($621)$4$617$619
360 ($621)$2$619$0
TOTALS$92,391$131,200$223,591

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.