« Back to all home prices

Mortgage Payment Schedule for a $174,000 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 July 20, 2017. Check LendingTree to see current rates from multiple lenders.

Mortgage Parameters


Less than 20% ($34,800) may require pre-mortgage insurance


3.96% is current rate for 30-year fixed
3.23% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$661 360 $98,888 $238,088

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $174,000
Down Payment $34,800$139,200
Year 1 - 1 ($661)$459$202$138,998
2 ($661)$459$203$138,795
3 ($661)$458$203$138,592
4 ($661)$457$204$138,388
5 ($661)$457$205$138,183
6 ($661)$456$205$137,978
7 ($661)$455$206$137,772
8 ($661)$455$207$137,565
9 ($661)$454$207$137,358
10 ($661)$453$208$137,150
11 ($661)$453$209$136,941
12 ($661)$452$209$136,732
Year 2 - 13 ($661)$451$210$136,521
14 ($661)$451$211$136,311
15 ($661)$450$212$136,099
16 ($661)$449$212$135,887
17 ($661)$448$213$135,674
18 ($661)$448$214$135,460
19 ($661)$447$214$135,246
20 ($661)$446$215$135,031
21 ($661)$446$216$134,815
22 ($661)$445$216$134,599
23 ($661)$444$217$134,381
24 ($661)$443$218$134,164
Year 3 - 25 ($661)$443$219$133,945
26 ($661)$442$219$133,726
27 ($661)$441$220$133,506
28 ($661)$441$221$133,285
29 ($661)$440$222$133,063
30 ($661)$439$222$132,841
31 ($661)$438$223$132,618
32 ($661)$438$224$132,394
33 ($661)$437$224$132,170
34 ($661)$436$225$131,945
35 ($661)$435$226$131,719
36 ($661)$435$227$131,492
Year 4 - 37 ($661)$434$227$131,265
38 ($661)$433$228$131,036
39 ($661)$432$229$130,807
40 ($661)$432$230$130,578
41 ($661)$431$230$130,347
42 ($661)$430$231$130,116
43 ($661)$429$232$129,884
44 ($661)$429$233$129,651
45 ($661)$428$234$129,418
46 ($661)$427$234$129,184
47 ($661)$426$235$128,949
48 ($661)$426$236$128,713
Year 5 - 49 ($661)$425$237$128,476
50 ($661)$424$237$128,239
51 ($661)$423$238$128,001
52 ($661)$422$239$127,762
53 ($661)$422$240$127,522
54 ($661)$421$241$127,281
55 ($661)$420$241$127,040
56 ($661)$419$242$126,798
57 ($661)$418$243$126,555
58 ($661)$418$244$126,311
59 ($661)$417$245$126,067
60 ($661)$416$245$125,821
Year 6 - 61 ($661)$415$246$125,575
62 ($661)$414$247$125,328
63 ($661)$414$248$125,081
64 ($661)$413$249$124,832
65 ($661)$412$249$124,583
66 ($661)$411$250$124,332
67 ($661)$410$251$124,081
68 ($661)$409$252$123,829
69 ($661)$409$253$123,577
70 ($661)$408$254$123,323
71 ($661)$407$254$123,069
72 ($661)$406$255$122,813
Year 7 - 73 ($661)$405$256$122,557
74 ($661)$404$257$122,300
75 ($661)$404$258$122,043
76 ($661)$403$259$121,784
77 ($661)$402$259$121,525
78 ($661)$401$260$121,264
79 ($661)$400$261$121,003
80 ($661)$399$262$120,741
81 ($661)$398$263$120,478
82 ($661)$398$264$120,214
83 ($661)$397$265$119,950
84 ($661)$396$266$119,684
Year 8 - 85 ($661)$395$266$119,418
86 ($661)$394$267$119,151
87 ($661)$393$268$118,882
88 ($661)$392$269$118,613
89 ($661)$391$270$118,343
90 ($661)$391$271$118,073
91 ($661)$390$272$117,801
92 ($661)$389$273$117,528
93 ($661)$388$274$117,255
94 ($661)$387$274$116,980
95 ($661)$386$275$116,705
96 ($661)$385$276$116,429
Year 9 - 97 ($661)$384$277$116,152
98 ($661)$383$278$115,874
99 ($661)$382$279$115,595
100 ($661)$381$280$115,315
101 ($661)$381$281$115,034
102 ($661)$380$282$114,752
103 ($661)$379$283$114,469
104 ($661)$378$284$114,186
105 ($661)$377$285$113,901
106 ($661)$376$285$113,616
107 ($661)$375$286$113,329
108 ($661)$374$287$113,042
Year 10 - 109 ($661)$373$288$112,754
110 ($661)$372$289$112,464
111 ($661)$371$290$112,174
112 ($661)$370$291$111,883
113 ($661)$369$292$111,591
114 ($661)$368$293$111,298
115 ($661)$367$294$111,004
116 ($661)$366$295$110,709
117 ($661)$365$296$110,413
118 ($661)$364$297$110,116
119 ($661)$363$298$109,818
120 ($661)$362$299$109,519
Year 11 - 121 ($661)$361$300$109,219
122 ($661)$360$301$108,918
123 ($661)$359$302$108,616
124 ($661)$358$303$108,313
125 ($661)$357$304$108,009
126 ($661)$356$305$107,704
127 ($661)$355$306$107,398
128 ($661)$354$307$107,091
129 ($661)$353$308$106,783
130 ($661)$352$309$106,474
131 ($661)$351$310$106,164
132 ($661)$350$311$105,853
Year 12 - 133 ($661)$349$312$105,541
134 ($661)$348$313$105,228
135 ($661)$347$314$104,914
136 ($661)$346$315$104,599
137 ($661)$345$316$104,283
138 ($661)$344$317$103,966
139 ($661)$343$318$103,647
140 ($661)$342$319$103,328
141 ($661)$341$320$103,008
142 ($661)$340$321$102,686
143 ($661)$339$322$102,364
144 ($661)$338$324$102,040
Year 13 - 145 ($661)$337$325$101,716
146 ($661)$336$326$101,390
147 ($661)$335$327$101,063
148 ($661)$334$328$100,735
149 ($661)$332$329$100,406
150 ($661)$331$330$100,076
151 ($661)$330$331$99,745
152 ($661)$329$332$99,413
153 ($661)$328$333$99,080
154 ($661)$327$334$98,745
155 ($661)$326$335$98,410
156 ($661)$325$337$98,073
Year 14 - 157 ($661)$324$338$97,736
158 ($661)$323$339$97,397
159 ($661)$321$340$97,057
160 ($661)$320$341$96,716
161 ($661)$319$342$96,373
162 ($661)$318$343$96,030
163 ($661)$317$344$95,686
164 ($661)$316$346$95,340
165 ($661)$315$347$94,993
166 ($661)$313$348$94,645
167 ($661)$312$349$94,296
168 ($661)$311$350$93,946
Year 15 - 169 ($661)$310$351$93,595
170 ($661)$309$352$93,242
171 ($661)$308$354$92,889
172 ($661)$307$355$92,534
173 ($661)$305$356$92,178
174 ($661)$304$357$91,821
175 ($661)$303$358$91,462
176 ($661)$302$360$91,103
177 ($661)$301$361$90,742
178 ($661)$299$362$90,380
179 ($661)$298$363$90,017
180 ($661)$297$364$89,653
Year 16 - 181 ($661)$296$366$89,287
182 ($661)$295$367$88,921
183 ($661)$293$368$88,553
184 ($661)$292$369$88,184
185 ($661)$291$370$87,813
186 ($661)$290$372$87,442
187 ($661)$289$373$87,069
188 ($661)$287$374$86,695
189 ($661)$286$375$86,320
190 ($661)$285$377$85,943
191 ($661)$284$378$85,565
192 ($661)$282$379$85,186
Year 17 - 193 ($661)$281$380$84,806
194 ($661)$280$381$84,425
195 ($661)$279$383$84,042
196 ($661)$277$384$83,658
197 ($661)$276$385$83,273
198 ($661)$275$387$82,886
199 ($661)$274$388$82,498
200 ($661)$272$389$82,109
201 ($661)$271$390$81,719
202 ($661)$270$392$81,327
203 ($661)$268$393$80,934
204 ($661)$267$394$80,540
Year 18 - 205 ($661)$266$396$80,144
206 ($661)$264$397$79,747
207 ($661)$263$398$79,349
208 ($661)$262$400$78,950
209 ($661)$261$401$78,549
210 ($661)$259$402$78,147
211 ($661)$258$403$77,743
212 ($661)$257$405$77,338
213 ($661)$255$406$76,932
214 ($661)$254$407$76,525
215 ($661)$253$409$76,116
216 ($661)$251$410$75,706
Year 19 - 217 ($661)$250$412$75,294
218 ($661)$248$413$74,881
219 ($661)$247$414$74,467
220 ($661)$246$416$74,051
221 ($661)$244$417$73,635
222 ($661)$243$418$73,216
223 ($661)$242$420$72,796
224 ($661)$240$421$72,375
225 ($661)$239$423$71,953
226 ($661)$237$424$71,529
227 ($661)$236$425$71,104
228 ($661)$235$427$70,677
Year 20 - 229 ($661)$233$428$70,249
230 ($661)$232$430$69,819
231 ($661)$230$431$69,388
232 ($661)$229$432$68,956
233 ($661)$228$434$68,522
234 ($661)$226$435$68,087
235 ($661)$225$437$67,650
236 ($661)$223$438$67,212
237 ($661)$222$440$66,772
238 ($661)$220$441$66,331
239 ($661)$219$442$65,889
240 ($661)$217$444$65,445
Year 21 - 241 ($661)$216$445$65,000
242 ($661)$214$447$64,553
243 ($661)$213$448$64,104
244 ($661)$212$450$63,655
245 ($661)$210$451$63,203
246 ($661)$209$453$62,751
247 ($661)$207$454$62,296
248 ($661)$206$456$61,841
249 ($661)$204$457$61,383
250 ($661)$203$459$60,924
251 ($661)$201$460$60,464
252 ($661)$200$462$60,002
Year 22 - 253 ($661)$198$463$59,539
254 ($661)$196$465$59,074
255 ($661)$195$466$58,608
256 ($661)$193$468$58,140
257 ($661)$192$469$57,670
258 ($661)$190$471$57,199
259 ($661)$189$473$56,727
260 ($661)$187$474$56,252
261 ($661)$186$476$55,777
262 ($661)$184$477$55,299
263 ($661)$182$479$54,821
264 ($661)$181$480$54,340
Year 23 - 265 ($661)$179$482$53,858
266 ($661)$178$484$53,374
267 ($661)$176$485$52,889
268 ($661)$175$487$52,402
269 ($661)$173$488$51,914
270 ($661)$171$490$51,424
271 ($661)$170$492$50,932
272 ($661)$168$493$50,439
273 ($661)$166$495$49,944
274 ($661)$165$497$49,448
275 ($661)$163$498$48,949
276 ($661)$162$500$48,450
Year 24 - 277 ($661)$160$501$47,948
278 ($661)$158$503$47,445
279 ($661)$157$505$46,940
280 ($661)$155$506$46,434
281 ($661)$153$508$45,926
282 ($661)$152$510$45,416
283 ($661)$150$511$44,904
284 ($661)$148$513$44,391
285 ($661)$146$515$43,876
286 ($661)$145$517$43,360
287 ($661)$143$518$42,841
288 ($661)$141$520$42,321
Year 25 - 289 ($661)$140$522$41,800
290 ($661)$138$523$41,276
291 ($661)$136$525$40,751
292 ($661)$134$527$40,224
293 ($661)$133$529$39,696
294 ($661)$131$530$39,165
295 ($661)$129$532$38,633
296 ($661)$127$534$38,099
297 ($661)$126$536$37,564
298 ($661)$124$537$37,026
299 ($661)$122$539$36,487
300 ($661)$120$541$35,946
Year 26 - 301 ($661)$119$543$35,404
302 ($661)$117$545$34,859
303 ($661)$115$546$34,313
304 ($661)$113$548$33,765
305 ($661)$111$550$33,215
306 ($661)$110$552$32,663
307 ($661)$108$554$32,109
308 ($661)$106$555$31,554
309 ($661)$104$557$30,997
310 ($661)$102$559$30,438
311 ($661)$100$561$29,877
312 ($661)$99$563$29,314
Year 27 - 313 ($661)$97$565$28,749
314 ($661)$95$566$28,183
315 ($661)$93$568$27,614
316 ($661)$91$570$27,044
317 ($661)$89$572$26,472
318 ($661)$87$574$25,898
319 ($661)$85$576$25,322
320 ($661)$84$578$24,744
321 ($661)$82$580$24,165
322 ($661)$80$582$23,583
323 ($661)$78$584$23,000
324 ($661)$76$585$22,414
Year 28 - 325 ($661)$74$587$21,827
326 ($661)$72$589$21,237
327 ($661)$70$591$20,646
328 ($661)$68$593$20,053
329 ($661)$66$595$19,458
330 ($661)$64$597$18,861
331 ($661)$62$599$18,261
332 ($661)$60$601$17,660
333 ($661)$58$603$17,057
334 ($661)$56$605$16,452
335 ($661)$54$607$15,845
336 ($661)$52$609$15,236
Year 29 - 337 ($661)$50$611$14,625
338 ($661)$48$613$14,012
339 ($661)$46$615$13,397
340 ($661)$44$617$12,780
341 ($661)$42$619$12,161
342 ($661)$40$621$11,539
343 ($661)$38$623$10,916
344 ($661)$36$625$10,291
345 ($661)$34$627$9,663
346 ($661)$32$629$9,034
347 ($661)$30$632$8,402
348 ($661)$28$634$7,769
Year 30 - 349 ($661)$26$636$7,133
350 ($661)$24$638$6,495
351 ($661)$21$640$5,855
352 ($661)$19$642$5,213
353 ($661)$17$644$4,569
354 ($661)$15$646$3,923
355 ($661)$13$648$3,274
356 ($661)$11$651$2,624
357 ($661)$9$653$1,971
358 ($661)$7$655$1,316
359 ($661)$4$657$659
360 ($661)$2$659$0
TOTALS$98,888$139,200$238,088

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.