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Mortgage Payment Schedule for a $188,000 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 November 23, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($37,600) may require pre-mortgage insurance


3.92% is current rate for 30-year fixed
3.32% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$711 360 $105,601 $256,001

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,182 or less (zip code: 20149)


NMLS #: 790396
$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 #: 181005
$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

NMLS #: 1838 | State Lic #: MC-4344
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.666% | Rate: 3.625% | Fees: $1,256 | 30 day rate lock

NMLS #: 66247 | State Lic #: MC-1825
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.689% | Rate: 3.625% | Fees: $1,962 | 30 day rate lock

NMLS #: 2890 | State Lic #: MC-3098
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.751% | Rate: 3.750% | Fees: $23 | 30 day rate lock

NMLS #: 1071 | State Lic #: MC-1772
$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 #: 412915
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.182% | Rate: 4.125% | Fees: $1,710 | 60 day rate lock

NMLS #: 424182
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.780% | Rate: 3.750% | Fees: $909 | 30 day rate lock

NMLS #: 417490
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.907% | Rate: 3.875% | Fees: $962 | 30 day rate lock

NMLS #: 227765 | State Lic #: MC-5920
$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 #: 2925 | State Lic #: MC-1875
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.135% | Rate: 4.125% | Fees: $299 | 45 day rate lock

NMLS #: 7706
$1,176 /mo
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Next
30 yr fixed mtg, 0 points | APR: 3.875% | Rate: 3.875% | Fees: $0 | 30 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  $188,000
Down Payment $37,600$150,400
Year 1 - 1 ($711)$491$220$150,180
2 ($711)$491$221$149,960
3 ($711)$490$221$149,738
4 ($711)$489$222$149,516
5 ($711)$488$223$149,294
6 ($711)$488$223$149,070
7 ($711)$487$224$148,846
8 ($711)$486$225$148,621
9 ($711)$485$226$148,396
10 ($711)$485$226$148,169
11 ($711)$484$227$147,942
12 ($711)$483$228$147,714
Year 2 - 13 ($711)$483$229$147,486
14 ($711)$482$229$147,257
15 ($711)$481$230$147,026
16 ($711)$480$231$146,796
17 ($711)$480$232$146,564
18 ($711)$479$232$146,332
19 ($711)$478$233$146,099
20 ($711)$477$234$145,865
21 ($711)$476$235$145,630
22 ($711)$476$235$145,395
23 ($711)$475$236$145,159
24 ($711)$474$237$144,922
Year 3 - 25 ($711)$473$238$144,684
26 ($711)$473$238$144,445
27 ($711)$472$239$144,206
28 ($711)$471$240$143,966
29 ($711)$470$241$143,725
30 ($711)$470$242$143,484
31 ($711)$469$242$143,241
32 ($711)$468$243$142,998
33 ($711)$467$244$142,754
34 ($711)$466$245$142,509
35 ($711)$466$246$142,264
36 ($711)$465$246$142,017
Year 4 - 37 ($711)$464$247$141,770
38 ($711)$463$248$141,522
39 ($711)$462$249$141,273
40 ($711)$461$250$141,024
41 ($711)$461$250$140,773
42 ($711)$460$251$140,522
43 ($711)$459$252$140,270
44 ($711)$458$253$140,017
45 ($711)$457$254$139,763
46 ($711)$457$255$139,509
47 ($711)$456$255$139,253
48 ($711)$455$256$138,997
Year 5 - 49 ($711)$454$257$138,740
50 ($711)$453$258$138,482
51 ($711)$452$259$138,224
52 ($711)$452$260$137,964
53 ($711)$451$260$137,704
54 ($711)$450$261$137,442
55 ($711)$449$262$137,180
56 ($711)$448$263$136,917
57 ($711)$447$264$136,653
58 ($711)$446$265$136,389
59 ($711)$446$266$136,123
60 ($711)$445$266$135,857
Year 6 - 61 ($711)$444$267$135,589
62 ($711)$443$268$135,321
63 ($711)$442$269$135,052
64 ($711)$441$270$134,782
65 ($711)$440$271$134,511
66 ($711)$439$272$134,239
67 ($711)$439$273$133,967
68 ($711)$438$273$133,693
69 ($711)$437$274$133,419
70 ($711)$436$275$133,144
71 ($711)$435$276$132,868
72 ($711)$434$277$132,590
Year 7 - 73 ($711)$433$278$132,312
74 ($711)$432$279$132,034
75 ($711)$431$280$131,754
76 ($711)$430$281$131,473
77 ($711)$429$282$131,191
78 ($711)$429$283$130,909
79 ($711)$428$283$130,625
80 ($711)$427$284$130,341
81 ($711)$426$285$130,056
82 ($711)$425$286$129,769
83 ($711)$424$287$129,482
84 ($711)$423$288$129,194
Year 8 - 85 ($711)$422$289$128,905
86 ($711)$421$290$128,615
87 ($711)$420$291$128,324
88 ($711)$419$292$128,032
89 ($711)$418$293$127,739
90 ($711)$417$294$127,445
91 ($711)$416$295$127,151
92 ($711)$415$296$126,855
93 ($711)$414$297$126,558
94 ($711)$413$298$126,260
95 ($711)$412$299$125,962
96 ($711)$411$300$125,662
Year 9 - 97 ($711)$410$301$125,362
98 ($711)$410$302$125,060
99 ($711)$409$303$124,757
100 ($711)$408$304$124,454
101 ($711)$407$305$124,149
102 ($711)$406$306$123,844
103 ($711)$405$307$123,537
104 ($711)$404$308$123,230
105 ($711)$403$309$122,921
106 ($711)$402$310$122,611
107 ($711)$401$311$122,301
108 ($711)$400$312$121,989
Year 10 - 109 ($711)$398$313$121,677
110 ($711)$397$314$121,363
111 ($711)$396$315$121,048
112 ($711)$395$316$120,733
113 ($711)$394$317$120,416
114 ($711)$393$318$120,098
115 ($711)$392$319$119,779
116 ($711)$391$320$119,459
117 ($711)$390$321$119,139
118 ($711)$389$322$118,817
119 ($711)$388$323$118,494
120 ($711)$387$324$118,170
Year 11 - 121 ($711)$386$325$117,845
122 ($711)$385$326$117,518
123 ($711)$384$327$117,191
124 ($711)$383$328$116,863
125 ($711)$382$329$116,534
126 ($711)$381$330$116,203
127 ($711)$380$332$115,872
128 ($711)$379$333$115,539
129 ($711)$377$334$115,205
130 ($711)$376$335$114,871
131 ($711)$375$336$114,535
132 ($711)$374$337$114,198
Year 12 - 133 ($711)$373$338$113,860
134 ($711)$372$339$113,520
135 ($711)$371$340$113,180
136 ($711)$370$341$112,839
137 ($711)$369$343$112,496
138 ($711)$367$344$112,153
139 ($711)$366$345$111,808
140 ($711)$365$346$111,462
141 ($711)$364$347$111,115
142 ($711)$363$348$110,767
143 ($711)$362$349$110,418
144 ($711)$361$350$110,067
Year 13 - 145 ($711)$360$352$109,716
146 ($711)$358$353$109,363
147 ($711)$357$354$109,009
148 ($711)$356$355$108,654
149 ($711)$355$356$108,298
150 ($711)$354$357$107,941
151 ($711)$353$359$107,582
152 ($711)$351$360$107,222
153 ($711)$350$361$106,861
154 ($711)$349$362$106,499
155 ($711)$348$363$106,136
156 ($711)$347$364$105,772
Year 14 - 157 ($711)$346$366$105,406
158 ($711)$344$367$105,039
159 ($711)$343$368$104,671
160 ($711)$342$369$104,302
161 ($711)$341$370$103,932
162 ($711)$340$372$103,560
163 ($711)$338$373$103,187
164 ($711)$337$374$102,813
165 ($711)$336$375$102,438
166 ($711)$335$376$102,062
167 ($711)$333$378$101,684
168 ($711)$332$379$101,305
Year 15 - 169 ($711)$331$380$100,925
170 ($711)$330$381$100,543
171 ($711)$328$383$100,161
172 ($711)$327$384$99,777
173 ($711)$326$385$99,392
174 ($711)$325$386$99,005
175 ($711)$323$388$98,618
176 ($711)$322$389$98,229
177 ($711)$321$390$97,838
178 ($711)$320$392$97,447
179 ($711)$318$393$97,054
180 ($711)$317$394$96,660
Year 16 - 181 ($711)$316$395$96,265
182 ($711)$314$397$95,868
183 ($711)$313$398$95,470
184 ($711)$312$399$95,071
185 ($711)$311$401$94,670
186 ($711)$309$402$94,268
187 ($711)$308$403$93,865
188 ($711)$307$404$93,461
189 ($711)$305$406$93,055
190 ($711)$304$407$92,648
191 ($711)$303$408$92,239
192 ($711)$301$410$91,830
Year 17 - 193 ($711)$300$411$91,418
194 ($711)$299$412$91,006
195 ($711)$297$414$90,592
196 ($711)$296$415$90,177
197 ($711)$295$417$89,760
198 ($711)$293$418$89,342
199 ($711)$292$419$88,923
200 ($711)$290$421$88,503
201 ($711)$289$422$88,081
202 ($711)$288$423$87,657
203 ($711)$286$425$87,232
204 ($711)$285$426$86,806
Year 18 - 205 ($711)$284$428$86,379
206 ($711)$282$429$85,950
207 ($711)$281$430$85,519
208 ($711)$279$432$85,088
209 ($711)$278$433$84,655
210 ($711)$277$435$84,220
211 ($711)$275$436$83,784
212 ($711)$274$437$83,347
213 ($711)$272$439$82,908
214 ($711)$271$440$82,467
215 ($711)$269$442$82,026
216 ($711)$268$443$81,583
Year 19 - 217 ($711)$267$445$81,138
218 ($711)$265$446$80,692
219 ($711)$264$448$80,244
220 ($711)$262$449$79,795
221 ($711)$261$450$79,345
222 ($711)$259$452$78,893
223 ($711)$258$453$78,440
224 ($711)$256$455$77,985
225 ($711)$255$456$77,528
226 ($711)$253$458$77,070
227 ($711)$252$459$76,611
228 ($711)$250$461$76,150
Year 20 - 229 ($711)$249$462$75,688
230 ($711)$247$464$75,224
231 ($711)$246$465$74,759
232 ($711)$244$467$74,292
233 ($711)$243$468$73,823
234 ($711)$241$470$73,353
235 ($711)$240$471$72,882
236 ($711)$238$473$72,409
237 ($711)$237$475$71,934
238 ($711)$235$476$71,458
239 ($711)$233$478$70,980
240 ($711)$232$479$70,501
Year 21 - 241 ($711)$230$481$70,020
242 ($711)$229$482$69,538
243 ($711)$227$484$69,054
244 ($711)$226$486$68,569
245 ($711)$224$487$68,081
246 ($711)$222$489$67,593
247 ($711)$221$490$67,102
248 ($711)$219$492$66,611
249 ($711)$218$494$66,117
250 ($711)$216$495$65,622
251 ($711)$214$497$65,125
252 ($711)$213$498$64,627
Year 22 - 253 ($711)$211$500$64,127
254 ($711)$209$502$63,625
255 ($711)$208$503$63,122
256 ($711)$206$505$62,617
257 ($711)$205$507$62,110
258 ($711)$203$508$61,602
259 ($711)$201$510$61,092
260 ($711)$200$512$60,581
261 ($711)$198$513$60,067
262 ($711)$196$515$59,553
263 ($711)$195$517$59,036
264 ($711)$193$518$58,518
Year 23 - 265 ($711)$191$520$57,998
266 ($711)$189$522$57,476
267 ($711)$188$523$56,953
268 ($711)$186$525$56,428
269 ($711)$184$527$55,901
270 ($711)$183$529$55,372
271 ($711)$181$530$54,842
272 ($711)$179$532$54,310
273 ($711)$177$534$53,777
274 ($711)$176$535$53,241
275 ($711)$174$537$52,704
276 ($711)$172$539$52,165
Year 24 - 277 ($711)$170$541$51,624
278 ($711)$169$542$51,082
279 ($711)$167$544$50,538
280 ($711)$165$546$49,992
281 ($711)$163$548$49,444
282 ($711)$162$550$48,894
283 ($711)$160$551$48,343
284 ($711)$158$553$47,790
285 ($711)$156$555$47,235
286 ($711)$154$557$46,678
287 ($711)$152$559$46,119
288 ($711)$151$560$45,559
Year 25 - 289 ($711)$149$562$44,996
290 ($711)$147$564$44,432
291 ($711)$145$566$43,866
292 ($711)$143$568$43,298
293 ($711)$141$570$42,729
294 ($711)$140$572$42,157
295 ($711)$138$573$41,584
296 ($711)$136$575$41,009
297 ($711)$134$577$40,431
298 ($711)$132$579$39,852
299 ($711)$130$581$39,271
300 ($711)$128$583$38,689
Year 26 - 301 ($711)$126$585$38,104
302 ($711)$124$587$37,517
303 ($711)$123$589$36,929
304 ($711)$121$590$36,338
305 ($711)$119$592$35,746
306 ($711)$117$594$35,151
307 ($711)$115$596$34,555
308 ($711)$113$598$33,957
309 ($711)$111$600$33,357
310 ($711)$109$602$32,755
311 ($711)$107$604$32,150
312 ($711)$105$606$31,544
Year 27 - 313 ($711)$103$608$30,936
314 ($711)$101$610$30,326
315 ($711)$99$612$29,714
316 ($711)$97$614$29,100
317 ($711)$95$616$28,484
318 ($711)$93$618$27,866
319 ($711)$91$620$27,246
320 ($711)$89$622$26,624
321 ($711)$87$624$26,000
322 ($711)$85$626$25,374
323 ($711)$83$628$24,745
324 ($711)$81$630$24,115
Year 28 - 325 ($711)$79$632$23,483
326 ($711)$77$634$22,848
327 ($711)$75$636$22,212
328 ($711)$73$639$21,573
329 ($711)$70$641$20,933
330 ($711)$68$643$20,290
331 ($711)$66$645$19,645
332 ($711)$64$647$18,998
333 ($711)$62$649$18,349
334 ($711)$60$651$17,698
335 ($711)$58$653$17,045
336 ($711)$56$655$16,389
Year 29 - 337 ($711)$54$658$15,732
338 ($711)$51$660$15,072
339 ($711)$49$662$14,410
340 ($711)$47$664$13,746
341 ($711)$45$666$13,080
342 ($711)$43$668$12,411
343 ($711)$41$671$11,741
344 ($711)$38$673$11,068
345 ($711)$36$675$10,393
346 ($711)$34$677$9,716
347 ($711)$32$679$9,036
348 ($711)$30$682$8,355
Year 30 - 349 ($711)$27$684$7,671
350 ($711)$25$686$6,985
351 ($711)$23$688$6,297
352 ($711)$21$691$5,606
353 ($711)$18$693$4,913
354 ($711)$16$695$4,218
355 ($711)$14$697$3,521
356 ($711)$12$700$2,821
357 ($711)$9$702$2,119
358 ($711)$7$704$1,415
359 ($711)$5$706$709
360 ($711)$2$709$0
TOTALS$105,601$150,400$256,001

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.