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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 April 27, 2017. Check Lending Tree to see current rates from multiple lenders.

Mortgage Parameters


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


4.03% is current rate for 30-year fixed
3.27% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$690 360 $104,390 $248,390

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $180,000
Down Payment $36,000$144,000
Year 1 - 1 ($690)$484$206$143,794
2 ($690)$483$207$143,587
3 ($690)$482$208$143,379
4 ($690)$482$208$143,170
5 ($690)$481$209$142,961
6 ($690)$480$210$142,751
7 ($690)$479$211$142,541
8 ($690)$479$211$142,329
9 ($690)$478$212$142,118
10 ($690)$477$213$141,905
11 ($690)$477$213$141,691
12 ($690)$476$214$141,477
Year 2 - 13 ($690)$475$215$141,262
14 ($690)$474$216$141,047
15 ($690)$474$216$140,831
16 ($690)$473$217$140,614
17 ($690)$472$218$140,396
18 ($690)$471$218$140,177
19 ($690)$471$219$139,958
20 ($690)$470$220$139,738
21 ($690)$469$221$139,518
22 ($690)$469$221$139,296
23 ($690)$468$222$139,074
24 ($690)$467$223$138,851
Year 3 - 25 ($690)$466$224$138,627
26 ($690)$466$224$138,403
27 ($690)$465$225$138,178
28 ($690)$464$226$137,952
29 ($690)$463$227$137,725
30 ($690)$463$227$137,498
31 ($690)$462$228$137,270
32 ($690)$461$229$137,041
33 ($690)$460$230$136,811
34 ($690)$459$231$136,580
35 ($690)$459$231$136,349
36 ($690)$458$232$136,117
Year 4 - 37 ($690)$457$233$135,884
38 ($690)$456$234$135,650
39 ($690)$456$234$135,416
40 ($690)$455$235$135,181
41 ($690)$454$236$134,945
42 ($690)$453$237$134,708
43 ($690)$452$238$134,471
44 ($690)$452$238$134,232
45 ($690)$451$239$133,993
46 ($690)$450$240$133,753
47 ($690)$449$241$133,512
48 ($690)$448$242$133,271
Year 5 - 49 ($690)$448$242$133,028
50 ($690)$447$243$132,785
51 ($690)$446$244$132,541
52 ($690)$445$245$132,296
53 ($690)$444$246$132,050
54 ($690)$443$247$131,804
55 ($690)$443$247$131,557
56 ($690)$442$248$131,308
57 ($690)$441$249$131,059
58 ($690)$440$250$130,810
59 ($690)$439$251$130,559
60 ($690)$438$252$130,307
Year 6 - 61 ($690)$438$252$130,055
62 ($690)$437$253$129,802
63 ($690)$436$254$129,548
64 ($690)$435$255$129,293
65 ($690)$434$256$129,037
66 ($690)$433$257$128,781
67 ($690)$432$257$128,523
68 ($690)$432$258$128,265
69 ($690)$431$259$128,005
70 ($690)$430$260$127,745
71 ($690)$429$261$127,484
72 ($690)$428$262$127,223
Year 7 - 73 ($690)$427$263$126,960
74 ($690)$426$264$126,696
75 ($690)$425$264$126,432
76 ($690)$425$265$126,166
77 ($690)$424$266$125,900
78 ($690)$423$267$125,633
79 ($690)$422$268$125,365
80 ($690)$421$269$125,096
81 ($690)$420$270$124,826
82 ($690)$419$271$124,555
83 ($690)$418$272$124,284
84 ($690)$417$273$124,011
Year 8 - 85 ($690)$416$274$123,738
86 ($690)$416$274$123,463
87 ($690)$415$275$123,188
88 ($690)$414$276$122,912
89 ($690)$413$277$122,634
90 ($690)$412$278$122,356
91 ($690)$411$279$122,077
92 ($690)$410$280$121,797
93 ($690)$409$281$121,516
94 ($690)$408$282$121,234
95 ($690)$407$283$120,952
96 ($690)$406$284$120,668
Year 9 - 97 ($690)$405$285$120,383
98 ($690)$404$286$120,097
99 ($690)$403$287$119,811
100 ($690)$402$288$119,523
101 ($690)$401$289$119,235
102 ($690)$400$290$118,945
103 ($690)$399$291$118,655
104 ($690)$398$291$118,363
105 ($690)$398$292$118,071
106 ($690)$397$293$117,777
107 ($690)$396$294$117,483
108 ($690)$395$295$117,187
Year 10 - 109 ($690)$394$296$116,891
110 ($690)$393$297$116,593
111 ($690)$392$298$116,295
112 ($690)$391$299$115,996
113 ($690)$390$300$115,695
114 ($690)$389$301$115,394
115 ($690)$388$302$115,091
116 ($690)$387$303$114,788
117 ($690)$385$304$114,483
118 ($690)$384$305$114,178
119 ($690)$383$307$113,871
120 ($690)$382$308$113,564
Year 11 - 121 ($690)$381$309$113,255
122 ($690)$380$310$112,946
123 ($690)$379$311$112,635
124 ($690)$378$312$112,323
125 ($690)$377$313$112,010
126 ($690)$376$314$111,697
127 ($690)$375$315$111,382
128 ($690)$374$316$111,066
129 ($690)$373$317$110,749
130 ($690)$372$318$110,431
131 ($690)$371$319$110,112
132 ($690)$370$320$109,792
Year 12 - 133 ($690)$369$321$109,470
134 ($690)$368$322$109,148
135 ($690)$367$323$108,825
136 ($690)$365$325$108,500
137 ($690)$364$326$108,175
138 ($690)$363$327$107,848
139 ($690)$362$328$107,520
140 ($690)$361$329$107,191
141 ($690)$360$330$106,861
142 ($690)$359$331$106,530
143 ($690)$358$332$106,198
144 ($690)$357$333$105,865
Year 13 - 145 ($690)$356$334$105,530
146 ($690)$354$336$105,195
147 ($690)$353$337$104,858
148 ($690)$352$338$104,520
149 ($690)$351$339$104,181
150 ($690)$350$340$103,841
151 ($690)$349$341$103,500
152 ($690)$348$342$103,157
153 ($690)$346$344$102,814
154 ($690)$345$345$102,469
155 ($690)$344$346$102,123
156 ($690)$343$347$101,776
Year 14 - 157 ($690)$342$348$101,428
158 ($690)$341$349$101,079
159 ($690)$339$351$100,728
160 ($690)$338$352$100,377
161 ($690)$337$353$100,024
162 ($690)$336$354$99,670
163 ($690)$335$355$99,314
164 ($690)$334$356$98,958
165 ($690)$332$358$98,600
166 ($690)$331$359$98,241
167 ($690)$330$360$97,881
168 ($690)$329$361$97,520
Year 15 - 169 ($690)$328$362$97,158
170 ($690)$326$364$96,794
171 ($690)$325$365$96,429
172 ($690)$324$366$96,063
173 ($690)$323$367$95,696
174 ($690)$321$369$95,327
175 ($690)$320$370$94,957
176 ($690)$319$371$94,586
177 ($690)$318$372$94,214
178 ($690)$316$374$93,840
179 ($690)$315$375$93,465
180 ($690)$314$376$93,089
Year 16 - 181 ($690)$313$377$92,712
182 ($690)$311$379$92,333
183 ($690)$310$380$91,953
184 ($690)$309$381$91,572
185 ($690)$308$382$91,190
186 ($690)$306$384$90,806
187 ($690)$305$385$90,421
188 ($690)$304$386$90,035
189 ($690)$302$388$89,647
190 ($690)$301$389$89,258
191 ($690)$300$390$88,868
192 ($690)$298$392$88,477
Year 17 - 193 ($690)$297$393$88,084
194 ($690)$296$394$87,690
195 ($690)$294$395$87,294
196 ($690)$293$397$86,897
197 ($690)$292$398$86,499
198 ($690)$290$399$86,100
199 ($690)$289$401$85,699
200 ($690)$288$402$85,297
201 ($690)$286$404$84,893
202 ($690)$285$405$84,488
203 ($690)$284$406$84,082
204 ($690)$282$408$83,675
Year 18 - 205 ($690)$281$409$83,266
206 ($690)$280$410$82,855
207 ($690)$278$412$82,443
208 ($690)$277$413$82,030
209 ($690)$275$414$81,616
210 ($690)$274$416$81,200
211 ($690)$273$417$80,783
212 ($690)$271$419$80,364
213 ($690)$270$420$79,944
214 ($690)$268$421$79,523
215 ($690)$267$423$79,100
216 ($690)$266$424$78,675
Year 19 - 217 ($690)$264$426$78,250
218 ($690)$263$427$77,822
219 ($690)$261$429$77,394
220 ($690)$260$430$76,964
221 ($690)$258$432$76,532
222 ($690)$257$433$76,099
223 ($690)$256$434$75,665
224 ($690)$254$436$75,229
225 ($690)$253$437$74,792
226 ($690)$251$439$74,353
227 ($690)$250$440$73,913
228 ($690)$248$442$73,471
Year 20 - 229 ($690)$247$443$73,028
230 ($690)$245$445$72,583
231 ($690)$244$446$72,137
232 ($690)$242$448$71,689
233 ($690)$241$449$71,240
234 ($690)$239$451$70,789
235 ($690)$238$452$70,337
236 ($690)$236$454$69,883
237 ($690)$235$455$69,428
238 ($690)$233$457$68,971
239 ($690)$232$458$68,513
240 ($690)$230$460$68,053
Year 21 - 241 ($690)$229$461$67,591
242 ($690)$227$463$67,128
243 ($690)$225$465$66,664
244 ($690)$224$466$66,198
245 ($690)$222$468$65,730
246 ($690)$221$469$65,261
247 ($690)$219$471$64,790
248 ($690)$218$472$64,318
249 ($690)$216$474$63,844
250 ($690)$214$476$63,368
251 ($690)$213$477$62,891
252 ($690)$211$479$62,412
Year 22 - 253 ($690)$210$480$61,932
254 ($690)$208$482$61,450
255 ($690)$206$484$60,966
256 ($690)$205$485$60,481
257 ($690)$203$487$59,994
258 ($690)$201$488$59,506
259 ($690)$200$490$59,015
260 ($690)$198$492$58,524
261 ($690)$197$493$58,030
262 ($690)$195$495$57,535
263 ($690)$193$497$57,038
264 ($690)$192$498$56,540
Year 23 - 265 ($690)$190$500$56,040
266 ($690)$188$502$55,538
267 ($690)$187$503$55,035
268 ($690)$185$505$54,530
269 ($690)$183$507$54,023
270 ($690)$181$509$53,514
271 ($690)$180$510$53,004
272 ($690)$178$512$52,492
273 ($690)$176$514$51,978
274 ($690)$175$515$51,463
275 ($690)$173$517$50,946
276 ($690)$171$519$50,427
Year 24 - 277 ($690)$169$521$49,906
278 ($690)$168$522$49,384
279 ($690)$166$524$48,860
280 ($690)$164$526$48,334
281 ($690)$162$528$47,806
282 ($690)$161$529$47,277
283 ($690)$159$531$46,746
284 ($690)$157$533$46,213
285 ($690)$155$535$45,678
286 ($690)$153$537$45,141
287 ($690)$152$538$44,603
288 ($690)$150$540$44,063
Year 25 - 289 ($690)$148$542$43,521
290 ($690)$146$544$42,977
291 ($690)$144$546$42,431
292 ($690)$142$547$41,884
293 ($690)$141$549$41,334
294 ($690)$139$551$40,783
295 ($690)$137$553$40,230
296 ($690)$135$555$39,675
297 ($690)$133$557$39,119
298 ($690)$131$559$38,560
299 ($690)$129$560$38,000
300 ($690)$128$562$37,437
Year 26 - 301 ($690)$126$564$36,873
302 ($690)$124$566$36,307
303 ($690)$122$568$35,739
304 ($690)$120$570$35,169
305 ($690)$118$572$34,597
306 ($690)$116$574$34,023
307 ($690)$114$576$33,448
308 ($690)$112$578$32,870
309 ($690)$110$580$32,290
310 ($690)$108$582$31,709
311 ($690)$106$583$31,125
312 ($690)$105$585$30,540
Year 27 - 313 ($690)$103$587$29,952
314 ($690)$101$589$29,363
315 ($690)$99$591$28,772
316 ($690)$97$593$28,178
317 ($690)$95$595$27,583
318 ($690)$93$597$26,986
319 ($690)$91$599$26,386
320 ($690)$89$601$25,785
321 ($690)$87$603$25,182
322 ($690)$85$605$24,576
323 ($690)$83$607$23,969
324 ($690)$80$609$23,359
Year 28 - 325 ($690)$78$612$22,748
326 ($690)$76$614$22,134
327 ($690)$74$616$21,519
328 ($690)$72$618$20,901
329 ($690)$70$620$20,281
330 ($690)$68$622$19,659
331 ($690)$66$624$19,035
332 ($690)$64$626$18,409
333 ($690)$62$628$17,781
334 ($690)$60$630$17,151
335 ($690)$58$632$16,518
336 ($690)$55$634$15,884
Year 29 - 337 ($690)$53$637$15,247
338 ($690)$51$639$14,609
339 ($690)$49$641$13,968
340 ($690)$47$643$13,325
341 ($690)$45$645$12,679
342 ($690)$43$647$12,032
343 ($690)$40$650$11,382
344 ($690)$38$652$10,731
345 ($690)$36$654$10,077
346 ($690)$34$656$9,421
347 ($690)$32$658$8,762
348 ($690)$29$661$8,102
Year 30 - 349 ($690)$27$663$7,439
350 ($690)$25$665$6,774
351 ($690)$23$667$6,107
352 ($690)$21$669$5,437
353 ($690)$18$672$4,766
354 ($690)$16$674$4,092
355 ($690)$14$676$3,415
356 ($690)$11$679$2,737
357 ($690)$9$681$2,056
358 ($690)$7$683$1,373
359 ($690)$5$685$688
360 ($690)$2$688$0
TOTALS$104,390$144,000$248,390

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.