« Back to all home prices

Mortgage Payment Schedule for a $178,000 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 June 15, 2017. Check Lending Tree to see current rates from multiple lenders.

Mortgage Parameters


Less than 20% ($35,600) may require pre-mortgage insurance


3.91% is current rate for 30-year fixed
3.18% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$672 360 $99,690 $242,090

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $178,000
Down Payment $35,600$142,400
Year 1 - 1 ($672)$464$208$142,192
2 ($672)$463$209$141,982
3 ($672)$463$210$141,773
4 ($672)$462$211$141,562
5 ($672)$461$211$141,351
6 ($672)$461$212$141,139
7 ($672)$460$213$140,926
8 ($672)$459$213$140,713
9 ($672)$458$214$140,499
10 ($672)$458$215$140,284
11 ($672)$457$215$140,069
12 ($672)$456$216$139,853
Year 2 - 13 ($672)$456$217$139,636
14 ($672)$455$217$139,419
15 ($672)$454$218$139,200
16 ($672)$454$219$138,981
17 ($672)$453$220$138,762
18 ($672)$452$220$138,542
19 ($672)$451$221$138,320
20 ($672)$451$222$138,099
21 ($672)$450$223$137,876
22 ($672)$449$223$137,653
23 ($672)$449$224$137,429
24 ($672)$448$225$137,204
Year 3 - 25 ($672)$447$225$136,979
26 ($672)$446$226$136,753
27 ($672)$446$227$136,526
28 ($672)$445$228$136,298
29 ($672)$444$228$136,070
30 ($672)$443$229$135,841
31 ($672)$443$230$135,611
32 ($672)$442$231$135,380
33 ($672)$441$231$135,149
34 ($672)$440$232$134,917
35 ($672)$440$233$134,684
36 ($672)$439$234$134,450
Year 4 - 37 ($672)$438$234$134,216
38 ($672)$437$235$133,981
39 ($672)$437$236$133,745
40 ($672)$436$237$133,508
41 ($672)$435$237$133,271
42 ($672)$434$238$133,033
43 ($672)$433$239$132,793
44 ($672)$433$240$132,554
45 ($672)$432$241$132,313
46 ($672)$431$241$132,072
47 ($672)$430$242$131,830
48 ($672)$430$243$131,587
Year 5 - 49 ($672)$429$244$131,343
50 ($672)$428$245$131,098
51 ($672)$427$245$130,853
52 ($672)$426$246$130,607
53 ($672)$426$247$130,360
54 ($672)$425$248$130,112
55 ($672)$424$249$129,864
56 ($672)$423$249$129,615
57 ($672)$422$250$129,364
58 ($672)$422$251$129,114
59 ($672)$421$252$128,862
60 ($672)$420$253$128,609
Year 6 - 61 ($672)$419$253$128,356
62 ($672)$418$254$128,101
63 ($672)$417$255$127,846
64 ($672)$417$256$127,590
65 ($672)$416$257$127,334
66 ($672)$415$258$127,076
67 ($672)$414$258$126,818
68 ($672)$413$259$126,558
69 ($672)$412$260$126,298
70 ($672)$412$261$126,037
71 ($672)$411$262$125,776
72 ($672)$410$263$125,513
Year 7 - 73 ($672)$409$264$125,249
74 ($672)$408$264$124,985
75 ($672)$407$265$124,720
76 ($672)$406$266$124,454
77 ($672)$406$267$124,187
78 ($672)$405$268$123,919
79 ($672)$404$269$123,650
80 ($672)$403$270$123,381
81 ($672)$402$270$123,110
82 ($672)$401$271$122,839
83 ($672)$400$272$122,567
84 ($672)$399$273$122,294
Year 8 - 85 ($672)$398$274$122,020
86 ($672)$398$275$121,745
87 ($672)$397$276$121,469
88 ($672)$396$277$121,192
89 ($672)$395$278$120,915
90 ($672)$394$278$120,636
91 ($672)$393$279$120,357
92 ($672)$392$280$120,076
93 ($672)$391$281$119,795
94 ($672)$390$282$119,513
95 ($672)$389$283$119,230
96 ($672)$388$284$118,946
Year 9 - 97 ($672)$388$285$118,661
98 ($672)$387$286$118,375
99 ($672)$386$287$118,089
100 ($672)$385$288$117,801
101 ($672)$384$289$117,512
102 ($672)$383$290$117,223
103 ($672)$382$291$116,932
104 ($672)$381$291$116,641
105 ($672)$380$292$116,348
106 ($672)$379$293$116,055
107 ($672)$378$294$115,761
108 ($672)$377$295$115,465
Year 10 - 109 ($672)$376$296$115,169
110 ($672)$375$297$114,872
111 ($672)$374$298$114,574
112 ($672)$373$299$114,274
113 ($672)$372$300$113,974
114 ($672)$371$301$113,673
115 ($672)$370$302$113,371
116 ($672)$369$303$113,068
117 ($672)$368$304$112,764
118 ($672)$367$305$112,459
119 ($672)$366$306$112,153
120 ($672)$365$307$111,846
Year 11 - 121 ($672)$364$308$111,538
122 ($672)$363$309$111,229
123 ($672)$362$310$110,919
124 ($672)$361$311$110,608
125 ($672)$360$312$110,296
126 ($672)$359$313$109,983
127 ($672)$358$314$109,668
128 ($672)$357$315$109,353
129 ($672)$356$316$109,037
130 ($672)$355$317$108,720
131 ($672)$354$318$108,402
132 ($672)$353$319$108,082
Year 12 - 133 ($672)$352$320$107,762
134 ($672)$351$321$107,441
135 ($672)$350$322$107,118
136 ($672)$349$323$106,795
137 ($672)$348$324$106,470
138 ($672)$347$326$106,145
139 ($672)$346$327$105,818
140 ($672)$345$328$105,491
141 ($672)$344$329$105,162
142 ($672)$343$330$104,832
143 ($672)$342$331$104,501
144 ($672)$340$332$104,169
Year 13 - 145 ($672)$339$333$103,836
146 ($672)$338$334$103,502
147 ($672)$337$335$103,167
148 ($672)$336$336$102,830
149 ($672)$335$337$102,493
150 ($672)$334$339$102,154
151 ($672)$333$340$101,815
152 ($672)$332$341$101,474
153 ($672)$331$342$101,132
154 ($672)$330$343$100,789
155 ($672)$328$344$100,445
156 ($672)$327$345$100,100
Year 14 - 157 ($672)$326$346$99,754
158 ($672)$325$347$99,406
159 ($672)$324$349$99,058
160 ($672)$323$350$98,708
161 ($672)$322$351$98,357
162 ($672)$320$352$98,005
163 ($672)$319$353$97,652
164 ($672)$318$354$97,298
165 ($672)$317$355$96,942
166 ($672)$316$357$96,586
167 ($672)$315$358$96,228
168 ($672)$314$359$95,869
Year 15 - 169 ($672)$312$360$95,509
170 ($672)$311$361$95,148
171 ($672)$310$362$94,785
172 ($672)$309$364$94,422
173 ($672)$308$365$94,057
174 ($672)$306$366$93,691
175 ($672)$305$367$93,324
176 ($672)$304$368$92,955
177 ($672)$303$370$92,586
178 ($672)$302$371$92,215
179 ($672)$300$372$91,843
180 ($672)$299$373$91,470
Year 16 - 181 ($672)$298$374$91,095
182 ($672)$297$376$90,720
183 ($672)$296$377$90,343
184 ($672)$294$378$89,965
185 ($672)$293$379$89,585
186 ($672)$292$381$89,205
187 ($672)$291$382$88,823
188 ($672)$289$383$88,440
189 ($672)$288$384$88,055
190 ($672)$287$386$87,670
191 ($672)$286$387$87,283
192 ($672)$284$388$86,895
Year 17 - 193 ($672)$283$389$86,506
194 ($672)$282$391$86,115
195 ($672)$281$392$85,723
196 ($672)$279$393$85,330
197 ($672)$278$394$84,936
198 ($672)$277$396$84,540
199 ($672)$275$397$84,143
200 ($672)$274$398$83,745
201 ($672)$273$400$83,345
202 ($672)$272$401$82,944
203 ($672)$270$402$82,542
204 ($672)$269$404$82,138
Year 18 - 205 ($672)$268$405$81,733
206 ($672)$266$406$81,327
207 ($672)$265$407$80,920
208 ($672)$264$409$80,511
209 ($672)$262$410$80,101
210 ($672)$261$411$79,689
211 ($672)$260$413$79,277
212 ($672)$258$414$78,862
213 ($672)$257$416$78,447
214 ($672)$256$417$78,030
215 ($672)$254$418$77,612
216 ($672)$253$420$77,192
Year 19 - 217 ($672)$252$421$76,771
218 ($672)$250$422$76,349
219 ($672)$249$424$75,925
220 ($672)$247$425$75,500
221 ($672)$246$426$75,074
222 ($672)$245$428$74,646
223 ($672)$243$429$74,217
224 ($672)$242$431$73,786
225 ($672)$240$432$73,354
226 ($672)$239$433$72,920
227 ($672)$238$435$72,486
228 ($672)$236$436$72,049
Year 20 - 229 ($672)$235$438$71,612
230 ($672)$233$439$71,172
231 ($672)$232$441$70,732
232 ($672)$230$442$70,290
233 ($672)$229$443$69,846
234 ($672)$228$445$69,402
235 ($672)$226$446$68,955
236 ($672)$225$448$68,507
237 ($672)$223$449$68,058
238 ($672)$222$451$67,607
239 ($672)$220$452$67,155
240 ($672)$219$454$66,702
Year 21 - 241 ($672)$217$455$66,246
242 ($672)$216$457$65,790
243 ($672)$214$458$65,332
244 ($672)$213$460$64,872
245 ($672)$211$461$64,411
246 ($672)$210$463$63,948
247 ($672)$208$464$63,484
248 ($672)$207$466$63,019
249 ($672)$205$467$62,552
250 ($672)$204$469$62,083
251 ($672)$202$470$61,613
252 ($672)$201$472$61,141
Year 22 - 253 ($672)$199$473$60,668
254 ($672)$198$475$60,193
255 ($672)$196$476$59,717
256 ($672)$195$478$59,239
257 ($672)$193$479$58,759
258 ($672)$191$481$58,278
259 ($672)$190$483$57,796
260 ($672)$188$484$57,312
261 ($672)$187$486$56,826
262 ($672)$185$487$56,338
263 ($672)$184$489$55,850
264 ($672)$182$490$55,359
Year 23 - 265 ($672)$180$492$54,867
266 ($672)$179$494$54,373
267 ($672)$177$495$53,878
268 ($672)$176$497$53,381
269 ($672)$174$499$52,883
270 ($672)$172$500$52,382
271 ($672)$171$502$51,881
272 ($672)$169$503$51,377
273 ($672)$167$505$50,872
274 ($672)$166$507$50,365
275 ($672)$164$508$49,857
276 ($672)$162$510$49,347
Year 24 - 277 ($672)$161$512$48,835
278 ($672)$159$513$48,322
279 ($672)$157$515$47,807
280 ($672)$156$517$47,290
281 ($672)$154$518$46,772
282 ($672)$152$520$46,252
283 ($672)$151$522$45,730
284 ($672)$149$523$45,207
285 ($672)$147$525$44,681
286 ($672)$146$527$44,154
287 ($672)$144$529$43,626
288 ($672)$142$530$43,096
Year 25 - 289 ($672)$140$532$42,563
290 ($672)$139$534$42,030
291 ($672)$137$536$41,494
292 ($672)$135$537$40,957
293 ($672)$133$539$40,418
294 ($672)$132$541$39,877
295 ($672)$130$543$39,335
296 ($672)$128$544$38,790
297 ($672)$126$546$38,244
298 ($672)$125$548$37,696
299 ($672)$123$550$37,147
300 ($672)$121$551$36,595
Year 26 - 301 ($672)$119$553$36,042
302 ($672)$117$555$35,487
303 ($672)$116$557$34,930
304 ($672)$114$559$34,371
305 ($672)$112$560$33,811
306 ($672)$110$562$33,249
307 ($672)$108$564$32,685
308 ($672)$106$566$32,119
309 ($672)$105$568$31,551
310 ($672)$103$570$30,981
311 ($672)$101$572$30,410
312 ($672)$99$573$29,836
Year 27 - 313 ($672)$97$575$29,261
314 ($672)$95$577$28,684
315 ($672)$93$579$28,105
316 ($672)$92$581$27,524
317 ($672)$90$583$26,941
318 ($672)$88$585$26,356
319 ($672)$86$587$25,770
320 ($672)$84$589$25,181
321 ($672)$82$590$24,591
322 ($672)$80$592$23,999
323 ($672)$78$594$23,404
324 ($672)$76$596$22,808
Year 28 - 325 ($672)$74$598$22,210
326 ($672)$72$600$21,610
327 ($672)$70$602$21,008
328 ($672)$68$604$20,404
329 ($672)$66$606$19,798
330 ($672)$65$608$19,190
331 ($672)$63$610$18,580
332 ($672)$61$612$17,968
333 ($672)$59$614$17,354
334 ($672)$57$616$16,738
335 ($672)$55$618$16,120
336 ($672)$53$620$15,500
Year 29 - 337 ($672)$51$622$14,878
338 ($672)$48$624$14,254
339 ($672)$46$626$13,628
340 ($672)$44$628$13,000
341 ($672)$42$630$12,370
342 ($672)$40$632$11,738
343 ($672)$38$634$11,104
344 ($672)$36$636$10,467
345 ($672)$34$638$9,829
346 ($672)$32$640$9,188
347 ($672)$30$643$8,546
348 ($672)$28$645$7,901
Year 30 - 349 ($672)$26$647$7,255
350 ($672)$24$649$6,606
351 ($672)$22$651$5,955
352 ($672)$19$653$5,302
353 ($672)$17$655$4,647
354 ($672)$15$657$3,989
355 ($672)$13$659$3,330
356 ($672)$11$662$2,668
357 ($672)$9$664$2,004
358 ($672)$7$666$1,338
359 ($672)$4$668$670
360 ($672)$2$670$0
TOTALS$99,690$142,400$242,090

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.