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Mortgage Payment Schedule for a $180,000 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 August 17, 2017. Check LendingTree to see current rates from multiple lenders.

Mortgage Parameters


Less than 20% ($36,000) may require pre-mortgage insurance


3.89% is current rate for 30-year fixed
3.16% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$678 360 $100,216 $244,216

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $180,000
Down Payment $36,000$144,000
Year 1 - 1 ($678)$467$212$143,788
2 ($678)$466$212$143,576
3 ($678)$465$213$143,363
4 ($678)$465$214$143,150
5 ($678)$464$214$142,935
6 ($678)$463$215$142,720
7 ($678)$463$216$142,504
8 ($678)$462$216$142,288
9 ($678)$461$217$142,071
10 ($678)$461$218$141,853
11 ($678)$460$219$141,635
12 ($678)$459$219$141,415
Year 2 - 13 ($678)$458$220$141,195
14 ($678)$458$221$140,975
15 ($678)$457$221$140,753
16 ($678)$456$222$140,531
17 ($678)$456$223$140,308
18 ($678)$455$224$140,085
19 ($678)$454$224$139,861
20 ($678)$453$225$139,636
21 ($678)$453$226$139,410
22 ($678)$452$226$139,183
23 ($678)$451$227$138,956
24 ($678)$450$228$138,728
Year 3 - 25 ($678)$450$229$138,500
26 ($678)$449$229$138,270
27 ($678)$448$230$138,040
28 ($678)$447$231$137,809
29 ($678)$447$232$137,577
30 ($678)$446$232$137,345
31 ($678)$445$233$137,112
32 ($678)$444$234$136,878
33 ($678)$444$235$136,643
34 ($678)$443$235$136,408
35 ($678)$442$236$136,172
36 ($678)$441$237$135,935
Year 4 - 37 ($678)$441$238$135,697
38 ($678)$440$238$135,459
39 ($678)$439$239$135,219
40 ($678)$438$240$134,979
41 ($678)$438$241$134,738
42 ($678)$437$242$134,497
43 ($678)$436$242$134,254
44 ($678)$435$243$134,011
45 ($678)$434$244$133,767
46 ($678)$434$245$133,523
47 ($678)$433$246$133,277
48 ($678)$432$246$133,031
Year 5 - 49 ($678)$431$247$132,784
50 ($678)$430$248$132,536
51 ($678)$430$249$132,287
52 ($678)$429$250$132,037
53 ($678)$428$250$131,787
54 ($678)$427$251$131,536
55 ($678)$426$252$131,284
56 ($678)$426$253$131,031
57 ($678)$425$254$130,777
58 ($678)$424$254$130,523
59 ($678)$423$255$130,268
60 ($678)$422$256$130,012
Year 6 - 61 ($678)$421$257$129,755
62 ($678)$421$258$129,497
63 ($678)$420$259$129,238
64 ($678)$419$259$128,979
65 ($678)$418$260$128,719
66 ($678)$417$261$128,458
67 ($678)$416$262$128,196
68 ($678)$416$263$127,933
69 ($678)$415$264$127,669
70 ($678)$414$265$127,405
71 ($678)$413$265$127,139
72 ($678)$412$266$126,873
Year 7 - 73 ($678)$411$267$126,606
74 ($678)$410$268$126,338
75 ($678)$410$269$126,069
76 ($678)$409$270$125,799
77 ($678)$408$271$125,529
78 ($678)$407$271$125,257
79 ($678)$406$272$124,985
80 ($678)$405$273$124,712
81 ($678)$404$274$124,438
82 ($678)$403$275$124,163
83 ($678)$402$276$123,887
84 ($678)$402$277$123,610
Year 8 - 85 ($678)$401$278$123,332
86 ($678)$400$279$123,054
87 ($678)$399$279$122,774
88 ($678)$398$280$122,494
89 ($678)$397$281$122,213
90 ($678)$396$282$121,930
91 ($678)$395$283$121,647
92 ($678)$394$284$121,363
93 ($678)$393$285$121,078
94 ($678)$392$286$120,792
95 ($678)$392$287$120,506
96 ($678)$391$288$120,218
Year 9 - 97 ($678)$390$289$119,929
98 ($678)$389$290$119,640
99 ($678)$388$291$119,349
100 ($678)$387$291$119,058
101 ($678)$386$292$118,765
102 ($678)$385$293$118,472
103 ($678)$384$294$118,177
104 ($678)$383$295$117,882
105 ($678)$382$296$117,586
106 ($678)$381$297$117,289
107 ($678)$380$298$116,991
108 ($678)$379$299$116,691
Year 10 - 109 ($678)$378$300$116,391
110 ($678)$377$301$116,090
111 ($678)$376$302$115,788
112 ($678)$375$303$115,485
113 ($678)$374$304$115,181
114 ($678)$373$305$114,876
115 ($678)$372$306$114,570
116 ($678)$371$307$114,263
117 ($678)$370$308$113,955
118 ($678)$369$309$113,646
119 ($678)$368$310$113,336
120 ($678)$367$311$113,025
Year 11 - 121 ($678)$366$312$112,713
122 ($678)$365$313$112,400
123 ($678)$364$314$112,086
124 ($678)$363$315$111,771
125 ($678)$362$316$111,455
126 ($678)$361$317$111,138
127 ($678)$360$318$110,820
128 ($678)$359$319$110,501
129 ($678)$358$320$110,181
130 ($678)$357$321$109,860
131 ($678)$356$322$109,537
132 ($678)$355$323$109,214
Year 12 - 133 ($678)$354$324$108,890
134 ($678)$353$325$108,564
135 ($678)$352$326$108,238
136 ($678)$351$328$107,910
137 ($678)$350$329$107,582
138 ($678)$349$330$107,252
139 ($678)$348$331$106,921
140 ($678)$347$332$106,590
141 ($678)$346$333$106,257
142 ($678)$344$334$105,923
143 ($678)$343$335$105,588
144 ($678)$342$336$105,252
Year 13 - 145 ($678)$341$337$104,915
146 ($678)$340$338$104,576
147 ($678)$339$339$104,237
148 ($678)$338$340$103,896
149 ($678)$337$342$103,555
150 ($678)$336$343$103,212
151 ($678)$335$344$102,868
152 ($678)$333$345$102,523
153 ($678)$332$346$102,177
154 ($678)$331$347$101,830
155 ($678)$330$348$101,482
156 ($678)$329$349$101,133
Year 14 - 157 ($678)$328$351$100,782
158 ($678)$327$352$100,430
159 ($678)$326$353$100,078
160 ($678)$324$354$99,724
161 ($678)$323$355$99,368
162 ($678)$322$356$99,012
163 ($678)$321$357$98,655
164 ($678)$320$359$98,296
165 ($678)$319$360$97,936
166 ($678)$317$361$97,576
167 ($678)$316$362$97,213
168 ($678)$315$363$96,850
Year 15 - 169 ($678)$314$364$96,486
170 ($678)$313$366$96,120
171 ($678)$312$367$95,753
172 ($678)$310$368$95,385
173 ($678)$309$369$95,016
174 ($678)$308$370$94,646
175 ($678)$307$372$94,274
176 ($678)$306$373$93,902
177 ($678)$304$374$93,528
178 ($678)$303$375$93,152
179 ($678)$302$376$92,776
180 ($678)$301$378$92,398
Year 16 - 181 ($678)$300$379$92,020
182 ($678)$298$380$91,639
183 ($678)$297$381$91,258
184 ($678)$296$383$90,876
185 ($678)$295$384$90,492
186 ($678)$293$385$90,107
187 ($678)$292$386$89,720
188 ($678)$291$388$89,333
189 ($678)$290$389$88,944
190 ($678)$288$390$88,554
191 ($678)$287$391$88,163
192 ($678)$286$393$87,770
Year 17 - 193 ($678)$285$394$87,376
194 ($678)$283$395$86,981
195 ($678)$282$396$86,585
196 ($678)$281$398$86,187
197 ($678)$279$399$85,788
198 ($678)$278$400$85,388
199 ($678)$277$402$84,986
200 ($678)$275$403$84,583
201 ($678)$274$404$84,179
202 ($678)$273$405$83,774
203 ($678)$272$407$83,367
204 ($678)$270$408$82,959
Year 18 - 205 ($678)$269$409$82,549
206 ($678)$268$411$82,139
207 ($678)$266$412$81,726
208 ($678)$265$413$81,313
209 ($678)$264$415$80,898
210 ($678)$262$416$80,482
211 ($678)$261$417$80,065
212 ($678)$260$419$79,646
213 ($678)$258$420$79,226
214 ($678)$257$422$78,804
215 ($678)$255$423$78,381
216 ($678)$254$424$77,957
Year 19 - 217 ($678)$253$426$77,531
218 ($678)$251$427$77,104
219 ($678)$250$428$76,676
220 ($678)$249$430$76,246
221 ($678)$247$431$75,815
222 ($678)$246$433$75,382
223 ($678)$244$434$74,948
224 ($678)$243$435$74,513
225 ($678)$242$437$74,076
226 ($678)$240$438$73,637
227 ($678)$239$440$73,198
228 ($678)$237$441$72,757
Year 20 - 229 ($678)$236$443$72,314
230 ($678)$234$444$71,870
231 ($678)$233$445$71,425
232 ($678)$232$447$70,978
233 ($678)$230$448$70,530
234 ($678)$229$450$70,080
235 ($678)$227$451$69,629
236 ($678)$226$453$69,176
237 ($678)$224$454$68,722
238 ($678)$223$456$68,266
239 ($678)$221$457$67,809
240 ($678)$220$459$67,351
Year 21 - 241 ($678)$218$460$66,891
242 ($678)$217$462$66,429
243 ($678)$215$463$65,966
244 ($678)$214$465$65,502
245 ($678)$212$466$65,035
246 ($678)$211$468$64,568
247 ($678)$209$469$64,099
248 ($678)$208$471$63,628
249 ($678)$206$472$63,156
250 ($678)$205$474$62,683
251 ($678)$203$475$62,207
252 ($678)$202$477$61,731
Year 22 - 253 ($678)$200$478$61,252
254 ($678)$199$480$60,773
255 ($678)$197$481$60,291
256 ($678)$195$483$59,808
257 ($678)$194$484$59,324
258 ($678)$192$486$58,838
259 ($678)$191$488$58,350
260 ($678)$189$489$57,861
261 ($678)$188$491$57,370
262 ($678)$186$492$56,878
263 ($678)$184$494$56,384
264 ($678)$183$496$55,888
Year 23 - 265 ($678)$181$497$55,391
266 ($678)$180$499$54,892
267 ($678)$178$500$54,391
268 ($678)$176$502$53,889
269 ($678)$175$504$53,386
270 ($678)$173$505$52,880
271 ($678)$171$507$52,373
272 ($678)$170$509$51,865
273 ($678)$168$510$51,355
274 ($678)$166$512$50,843
275 ($678)$165$514$50,329
276 ($678)$163$515$49,814
Year 24 - 277 ($678)$161$517$49,297
278 ($678)$160$519$48,778
279 ($678)$158$520$48,258
280 ($678)$156$522$47,736
281 ($678)$155$524$47,213
282 ($678)$153$525$46,687
283 ($678)$151$527$46,160
284 ($678)$150$529$45,632
285 ($678)$148$530$45,101
286 ($678)$146$532$44,569
287 ($678)$144$534$44,035
288 ($678)$143$536$43,499
Year 25 - 289 ($678)$141$537$42,962
290 ($678)$139$539$42,423
291 ($678)$138$541$41,882
292 ($678)$136$543$41,339
293 ($678)$134$544$40,795
294 ($678)$132$546$40,249
295 ($678)$130$548$39,701
296 ($678)$129$550$39,151
297 ($678)$127$551$38,600
298 ($678)$125$553$38,047
299 ($678)$123$555$37,492
300 ($678)$122$557$36,935
Year 26 - 301 ($678)$120$559$36,376
302 ($678)$118$560$35,816
303 ($678)$116$562$35,253
304 ($678)$114$564$34,689
305 ($678)$112$566$34,123
306 ($678)$111$568$33,556
307 ($678)$109$570$32,986
308 ($678)$107$571$32,415
309 ($678)$105$573$31,841
310 ($678)$103$575$31,266
311 ($678)$101$577$30,689
312 ($678)$99$579$30,110
Year 27 - 313 ($678)$98$581$29,529
314 ($678)$96$583$28,947
315 ($678)$94$585$28,362
316 ($678)$92$586$27,776
317 ($678)$90$588$27,187
318 ($678)$88$590$26,597
319 ($678)$86$592$26,005
320 ($678)$84$594$25,411
321 ($678)$82$596$24,815
322 ($678)$80$598$24,217
323 ($678)$79$600$23,617
324 ($678)$77$602$23,015
Year 28 - 325 ($678)$75$604$22,412
326 ($678)$73$606$21,806
327 ($678)$71$608$21,198
328 ($678)$69$610$20,588
329 ($678)$67$612$19,977
330 ($678)$65$614$19,363
331 ($678)$63$616$18,748
332 ($678)$61$618$18,130
333 ($678)$59$620$17,510
334 ($678)$57$622$16,889
335 ($678)$55$624$16,265
336 ($678)$53$626$15,639
Year 29 - 337 ($678)$51$628$15,012
338 ($678)$49$630$14,382
339 ($678)$47$632$13,750
340 ($678)$45$634$13,117
341 ($678)$43$636$12,481
342 ($678)$40$638$11,843
343 ($678)$38$640$11,203
344 ($678)$36$642$10,561
345 ($678)$34$644$9,917
346 ($678)$32$646$9,270
347 ($678)$30$648$8,622
348 ($678)$28$650$7,972
Year 30 - 349 ($678)$26$653$7,319
350 ($678)$24$655$6,664
351 ($678)$22$657$6,008
352 ($678)$19$659$5,349
353 ($678)$17$661$4,688
354 ($678)$15$663$4,024
355 ($678)$13$665$3,359
356 ($678)$11$667$2,692
357 ($678)$9$670$2,022
358 ($678)$7$672$1,350
359 ($678)$4$674$676
360 ($678)$2$676$0
TOTALS$100,216$144,000$244,216

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.