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Mortgage Payment Schedule for a $176,000 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% ($35,200) 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
$658 360 $96,251 $237,051

Mortgage Providers

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


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 #: 66247 Cardinal Financial | State Lic #: MC-1825
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.773% | Rate: 3.750% | Fees: $690 | 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

$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: 3.990% | Rate: 3.990% | Fees: $0 | 30 day rate lock

NMLS #: 35959 | State Lic #: MC-2967
$1,499 /mo
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30 yr fixed mtg, 0 points | APR: 6.000% | Rate: 6.000% | Fees: $0 | 30 day rate lock

$1,194 /mo
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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  $176,000
Down Payment $35,200$140,800
Year 1 - 1 ($658)$449$209$140,591
2 ($658)$449$210$140,381
3 ($658)$448$210$140,171
4 ($658)$447$211$139,960
5 ($658)$447$212$139,748
6 ($658)$446$212$139,535
7 ($658)$445$213$139,322
8 ($658)$445$214$139,108
9 ($658)$444$214$138,894
10 ($658)$443$215$138,679
11 ($658)$443$216$138,463
12 ($658)$442$217$138,246
Year 2 - 13 ($658)$441$217$138,029
14 ($658)$441$218$137,811
15 ($658)$440$219$137,593
16 ($658)$439$219$137,373
17 ($658)$438$220$137,153
18 ($658)$438$221$136,933
19 ($658)$437$221$136,711
20 ($658)$436$222$136,489
21 ($658)$436$223$136,266
22 ($658)$435$224$136,043
23 ($658)$434$224$135,818
24 ($658)$433$225$135,593
Year 3 - 25 ($658)$433$226$135,368
26 ($658)$432$226$135,141
27 ($658)$431$227$134,914
28 ($658)$431$228$134,686
29 ($658)$430$229$134,458
30 ($658)$429$229$134,228
31 ($658)$428$230$133,998
32 ($658)$428$231$133,767
33 ($658)$427$232$133,536
34 ($658)$426$232$133,304
35 ($658)$425$233$133,071
36 ($658)$425$234$132,837
Year 4 - 37 ($658)$424$235$132,602
38 ($658)$423$235$132,367
39 ($658)$422$236$132,131
40 ($658)$422$237$131,894
41 ($658)$421$238$131,657
42 ($658)$420$238$131,418
43 ($658)$419$239$131,179
44 ($658)$419$240$130,940
45 ($658)$418$241$130,699
46 ($658)$417$241$130,458
47 ($658)$416$242$130,216
48 ($658)$416$243$129,973
Year 5 - 49 ($658)$415$244$129,729
50 ($658)$414$244$129,485
51 ($658)$413$245$129,240
52 ($658)$412$246$128,994
53 ($658)$412$247$128,747
54 ($658)$411$248$128,499
55 ($658)$410$248$128,251
56 ($658)$409$249$128,002
57 ($658)$409$250$127,752
58 ($658)$408$251$127,501
59 ($658)$407$252$127,250
60 ($658)$406$252$126,997
Year 6 - 61 ($658)$405$253$126,744
62 ($658)$405$254$126,490
63 ($658)$404$255$126,235
64 ($658)$403$256$125,980
65 ($658)$402$256$125,723
66 ($658)$401$257$125,466
67 ($658)$400$258$125,208
68 ($658)$400$259$124,949
69 ($658)$399$260$124,690
70 ($658)$398$261$124,429
71 ($658)$397$261$124,168
72 ($658)$396$262$123,906
Year 7 - 73 ($658)$395$263$123,643
74 ($658)$395$264$123,379
75 ($658)$394$265$123,114
76 ($658)$393$266$122,849
77 ($658)$392$266$122,582
78 ($658)$391$267$122,315
79 ($658)$390$268$122,047
80 ($658)$390$269$121,778
81 ($658)$389$270$121,508
82 ($658)$388$271$121,237
83 ($658)$387$272$120,966
84 ($658)$386$272$120,693
Year 8 - 85 ($658)$385$273$120,420
86 ($658)$384$274$120,146
87 ($658)$383$275$119,871
88 ($658)$383$276$119,595
89 ($658)$382$277$119,318
90 ($658)$381$278$119,041
91 ($658)$380$279$118,762
92 ($658)$379$279$118,483
93 ($658)$378$280$118,202
94 ($658)$377$281$117,921
95 ($658)$376$282$117,639
96 ($658)$375$283$117,356
Year 9 - 97 ($658)$375$284$117,072
98 ($658)$374$285$116,787
99 ($658)$373$286$116,502
100 ($658)$372$287$116,215
101 ($658)$371$288$115,928
102 ($658)$370$288$115,639
103 ($658)$369$289$115,350
104 ($658)$368$290$115,059
105 ($658)$367$291$114,768
106 ($658)$366$292$114,476
107 ($658)$365$293$114,183
108 ($658)$364$294$113,889
Year 10 - 109 ($658)$363$295$113,594
110 ($658)$363$296$113,298
111 ($658)$362$297$113,001
112 ($658)$361$298$112,703
113 ($658)$360$299$112,404
114 ($658)$359$300$112,105
115 ($658)$358$301$111,804
116 ($658)$357$302$111,502
117 ($658)$356$303$111,200
118 ($658)$355$304$110,896
119 ($658)$354$305$110,592
120 ($658)$353$306$110,286
Year 11 - 121 ($658)$352$306$109,980
122 ($658)$351$307$109,672
123 ($658)$350$308$109,364
124 ($658)$349$309$109,054
125 ($658)$348$310$108,744
126 ($658)$347$311$108,433
127 ($658)$346$312$108,120
128 ($658)$345$313$107,807
129 ($658)$344$314$107,492
130 ($658)$343$315$107,177
131 ($658)$342$316$106,861
132 ($658)$341$317$106,543
Year 12 - 133 ($658)$340$318$106,225
134 ($658)$339$319$105,905
135 ($658)$338$320$105,585
136 ($658)$337$321$105,263
137 ($658)$336$323$104,941
138 ($658)$335$324$104,617
139 ($658)$334$325$104,293
140 ($658)$333$326$103,967
141 ($658)$332$327$103,641
142 ($658)$331$328$103,313
143 ($658)$330$329$102,984
144 ($658)$329$330$102,654
Year 13 - 145 ($658)$328$331$102,323
146 ($658)$327$332$101,992
147 ($658)$326$333$101,659
148 ($658)$324$334$101,325
149 ($658)$323$335$100,990
150 ($658)$322$336$100,653
151 ($658)$321$337$100,316
152 ($658)$320$338$99,978
153 ($658)$319$339$99,638
154 ($658)$318$340$99,298
155 ($658)$317$342$98,956
156 ($658)$316$343$98,614
Year 14 - 157 ($658)$315$344$98,270
158 ($658)$314$345$97,925
159 ($658)$313$346$97,579
160 ($658)$311$347$97,232
161 ($658)$310$348$96,884
162 ($658)$309$349$96,535
163 ($658)$308$350$96,185
164 ($658)$307$351$95,833
165 ($658)$306$353$95,480
166 ($658)$305$354$95,127
167 ($658)$304$355$94,772
168 ($658)$302$356$94,416
Year 15 - 169 ($658)$301$357$94,059
170 ($658)$300$358$93,700
171 ($658)$299$359$93,341
172 ($658)$298$361$92,981
173 ($658)$297$362$92,619
174 ($658)$296$363$92,256
175 ($658)$294$364$91,892
176 ($658)$293$365$91,527
177 ($658)$292$366$91,160
178 ($658)$291$368$90,793
179 ($658)$290$369$90,424
180 ($658)$289$370$90,054
Year 16 - 181 ($658)$287$371$89,683
182 ($658)$286$372$89,311
183 ($658)$285$373$88,938
184 ($658)$284$375$88,563
185 ($658)$283$376$88,187
186 ($658)$281$377$87,810
187 ($658)$280$378$87,432
188 ($658)$279$379$87,052
189 ($658)$278$381$86,672
190 ($658)$277$382$86,290
191 ($658)$275$383$85,907
192 ($658)$274$384$85,523
Year 17 - 193 ($658)$273$386$85,137
194 ($658)$272$387$84,750
195 ($658)$270$388$84,362
196 ($658)$269$389$83,973
197 ($658)$268$390$83,583
198 ($658)$267$392$83,191
199 ($658)$266$393$82,798
200 ($658)$264$394$82,404
201 ($658)$263$395$82,008
202 ($658)$262$397$81,612
203 ($658)$260$398$81,214
204 ($658)$259$399$80,814
Year 18 - 205 ($658)$258$401$80,414
206 ($658)$257$402$80,012
207 ($658)$255$403$79,609
208 ($658)$254$404$79,205
209 ($658)$253$406$78,799
210 ($658)$251$407$78,392
211 ($658)$250$408$77,984
212 ($658)$249$410$77,574
213 ($658)$248$411$77,163
214 ($658)$246$412$76,751
215 ($658)$245$414$76,337
216 ($658)$244$415$75,923
Year 19 - 217 ($658)$242$416$75,506
218 ($658)$241$417$75,089
219 ($658)$240$419$74,670
220 ($658)$238$420$74,250
221 ($658)$237$421$73,829
222 ($658)$236$423$73,406
223 ($658)$234$424$72,981
224 ($658)$233$426$72,556
225 ($658)$232$427$72,129
226 ($658)$230$428$71,701
227 ($658)$229$430$71,271
228 ($658)$227$431$70,840
Year 20 - 229 ($658)$226$432$70,408
230 ($658)$225$434$69,974
231 ($658)$223$435$69,539
232 ($658)$222$437$69,102
233 ($658)$221$438$68,664
234 ($658)$219$439$68,225
235 ($658)$218$441$67,784
236 ($658)$216$442$67,342
237 ($658)$215$444$66,899
238 ($658)$214$445$66,454
239 ($658)$212$446$66,007
240 ($658)$211$448$65,560
Year 21 - 241 ($658)$209$449$65,110
242 ($658)$208$451$64,660
243 ($658)$206$452$64,208
244 ($658)$205$454$63,754
245 ($658)$203$455$63,299
246 ($658)$202$456$62,843
247 ($658)$201$458$62,385
248 ($658)$199$459$61,925
249 ($658)$198$461$61,464
250 ($658)$196$462$61,002
251 ($658)$195$464$60,538
252 ($658)$193$465$60,073
Year 22 - 253 ($658)$192$467$59,606
254 ($658)$190$468$59,138
255 ($658)$189$470$58,668
256 ($658)$187$471$58,197
257 ($658)$186$473$57,725
258 ($658)$184$474$57,250
259 ($658)$183$476$56,775
260 ($658)$181$477$56,297
261 ($658)$180$479$55,818
262 ($658)$178$480$55,338
263 ($658)$177$482$54,856
264 ($658)$175$483$54,373
Year 23 - 265 ($658)$174$485$53,888
266 ($658)$172$486$53,401
267 ($658)$170$488$52,913
268 ($658)$169$490$52,424
269 ($658)$167$491$51,933
270 ($658)$166$493$51,440
271 ($658)$164$494$50,946
272 ($658)$163$496$50,450
273 ($658)$161$497$49,952
274 ($658)$159$499$49,453
275 ($658)$158$501$48,953
276 ($658)$156$502$48,450
Year 24 - 277 ($658)$155$504$47,947
278 ($658)$153$505$47,441
279 ($658)$151$507$46,934
280 ($658)$150$509$46,425
281 ($658)$148$510$45,915
282 ($658)$147$512$45,403
283 ($658)$145$514$44,890
284 ($658)$143$515$44,374
285 ($658)$142$517$43,858
286 ($658)$140$518$43,339
287 ($658)$138$520$42,819
288 ($658)$137$522$42,297
Year 25 - 289 ($658)$135$523$41,774
290 ($658)$133$525$41,248
291 ($658)$132$527$40,722
292 ($658)$130$529$40,193
293 ($658)$128$530$39,663
294 ($658)$127$532$39,131
295 ($658)$125$534$38,598
296 ($658)$123$535$38,062
297 ($658)$121$537$37,525
298 ($658)$120$539$36,987
299 ($658)$118$540$36,446
300 ($658)$116$542$35,904
Year 26 - 301 ($658)$115$544$35,360
302 ($658)$113$546$34,814
303 ($658)$111$547$34,267
304 ($658)$109$549$33,718
305 ($658)$108$551$33,167
306 ($658)$106$553$32,615
307 ($658)$104$554$32,060
308 ($658)$102$556$31,504
309 ($658)$101$558$30,946
310 ($658)$99$560$30,386
311 ($658)$97$561$29,825
312 ($658)$95$563$29,262
Year 27 - 313 ($658)$93$565$28,696
314 ($658)$92$567$28,130
315 ($658)$90$569$27,561
316 ($658)$88$571$26,990
317 ($658)$86$572$26,418
318 ($658)$84$574$25,844
319 ($658)$82$576$25,268
320 ($658)$81$578$24,690
321 ($658)$79$580$24,110
322 ($658)$77$582$23,529
323 ($658)$75$583$22,946
324 ($658)$73$585$22,360
Year 28 - 325 ($658)$71$587$21,773
326 ($658)$69$589$21,184
327 ($658)$68$591$20,593
328 ($658)$66$593$20,001
329 ($658)$64$595$19,406
330 ($658)$62$597$18,809
331 ($658)$60$598$18,211
332 ($658)$58$600$17,611
333 ($658)$56$602$17,008
334 ($658)$54$604$16,404
335 ($658)$52$606$15,798
336 ($658)$50$608$15,190
Year 29 - 337 ($658)$48$610$14,580
338 ($658)$47$612$13,968
339 ($658)$45$614$13,354
340 ($658)$43$616$12,738
341 ($658)$41$618$12,120
342 ($658)$39$620$11,501
343 ($658)$37$622$10,879
344 ($658)$35$624$10,255
345 ($658)$33$626$9,629
346 ($658)$31$628$9,002
347 ($658)$29$630$8,372
348 ($658)$27$632$7,740
Year 30 - 349 ($658)$25$634$7,106
350 ($658)$23$636$6,471
351 ($658)$21$638$5,833
352 ($658)$19$640$5,193
353 ($658)$17$642$4,551
354 ($658)$15$644$3,907
355 ($658)$12$646$3,261
356 ($658)$10$648$2,613
357 ($658)$8$650$1,963
358 ($658)$6$652$1,311
359 ($658)$4$654$656
360 ($658)$2$656$0
TOTALS$96,251$140,800$237,051

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.