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Mortgage Payment Schedule for a $189,000 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% ($37,800) 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
$715 360 $106,163 $257,363

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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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  $189,000
Down Payment $37,800$151,200
Year 1 - 1 ($715)$494$221$150,979
2 ($715)$493$222$150,757
3 ($715)$492$222$150,535
4 ($715)$492$223$150,312
5 ($715)$491$224$150,088
6 ($715)$490$225$149,863
7 ($715)$490$225$149,638
8 ($715)$489$226$149,412
9 ($715)$488$227$149,185
10 ($715)$487$228$148,957
11 ($715)$487$228$148,729
12 ($715)$486$229$148,500
Year 2 - 13 ($715)$485$230$148,270
14 ($715)$484$231$148,040
15 ($715)$484$231$147,808
16 ($715)$483$232$147,576
17 ($715)$482$233$147,344
18 ($715)$481$234$147,110
19 ($715)$481$234$146,876
20 ($715)$480$235$146,641
21 ($715)$479$236$146,405
22 ($715)$478$237$146,168
23 ($715)$477$237$145,931
24 ($715)$477$238$145,692
Year 3 - 25 ($715)$476$239$145,454
26 ($715)$475$240$145,214
27 ($715)$474$241$144,973
28 ($715)$474$241$144,732
29 ($715)$473$242$144,490
30 ($715)$472$243$144,247
31 ($715)$471$244$144,003
32 ($715)$470$244$143,759
33 ($715)$470$245$143,513
34 ($715)$469$246$143,267
35 ($715)$468$247$143,020
36 ($715)$467$248$142,773
Year 4 - 37 ($715)$466$249$142,524
38 ($715)$466$249$142,275
39 ($715)$465$250$142,025
40 ($715)$464$251$141,774
41 ($715)$463$252$141,522
42 ($715)$462$253$141,270
43 ($715)$461$253$141,016
44 ($715)$461$254$140,762
45 ($715)$460$255$140,507
46 ($715)$459$256$140,251
47 ($715)$458$257$139,994
48 ($715)$457$258$139,737
Year 5 - 49 ($715)$456$258$139,478
50 ($715)$456$259$139,219
51 ($715)$455$260$138,959
52 ($715)$454$261$138,698
53 ($715)$453$262$138,436
54 ($715)$452$263$138,173
55 ($715)$451$264$137,910
56 ($715)$451$264$137,645
57 ($715)$450$265$137,380
58 ($715)$449$266$137,114
59 ($715)$448$267$136,847
60 ($715)$447$268$136,579
Year 6 - 61 ($715)$446$269$136,310
62 ($715)$445$270$136,041
63 ($715)$444$270$135,770
64 ($715)$444$271$135,499
65 ($715)$443$272$135,227
66 ($715)$442$273$134,954
67 ($715)$441$274$134,679
68 ($715)$440$275$134,405
69 ($715)$439$276$134,129
70 ($715)$438$277$133,852
71 ($715)$437$278$133,574
72 ($715)$436$279$133,296
Year 7 - 73 ($715)$435$279$133,016
74 ($715)$435$280$132,736
75 ($715)$434$281$132,455
76 ($715)$433$282$132,172
77 ($715)$432$283$131,889
78 ($715)$431$284$131,605
79 ($715)$430$285$131,320
80 ($715)$429$286$131,034
81 ($715)$428$287$130,747
82 ($715)$427$288$130,460
83 ($715)$426$289$130,171
84 ($715)$425$290$129,881
Year 8 - 85 ($715)$424$291$129,591
86 ($715)$423$292$129,299
87 ($715)$422$293$129,007
88 ($715)$421$293$128,713
89 ($715)$420$294$128,419
90 ($715)$420$295$128,123
91 ($715)$419$296$127,827
92 ($715)$418$297$127,530
93 ($715)$417$298$127,231
94 ($715)$416$299$126,932
95 ($715)$415$300$126,632
96 ($715)$414$301$126,331
Year 9 - 97 ($715)$413$302$126,028
98 ($715)$412$303$125,725
99 ($715)$411$304$125,421
100 ($715)$410$305$125,116
101 ($715)$409$306$124,810
102 ($715)$408$307$124,502
103 ($715)$407$308$124,194
104 ($715)$406$309$123,885
105 ($715)$405$310$123,575
106 ($715)$404$311$123,264
107 ($715)$403$312$122,951
108 ($715)$402$313$122,638
Year 10 - 109 ($715)$401$314$122,324
110 ($715)$400$315$122,008
111 ($715)$399$316$121,692
112 ($715)$398$317$121,375
113 ($715)$396$318$121,056
114 ($715)$395$319$120,737
115 ($715)$394$320$120,416
116 ($715)$393$322$120,095
117 ($715)$392$323$119,772
118 ($715)$391$324$119,449
119 ($715)$390$325$119,124
120 ($715)$389$326$118,798
Year 11 - 121 ($715)$388$327$118,471
122 ($715)$387$328$118,144
123 ($715)$386$329$117,815
124 ($715)$385$330$117,485
125 ($715)$384$331$117,153
126 ($715)$383$332$116,821
127 ($715)$382$333$116,488
128 ($715)$381$334$116,154
129 ($715)$379$335$115,818
130 ($715)$378$337$115,482
131 ($715)$377$338$115,144
132 ($715)$376$339$114,805
Year 12 - 133 ($715)$375$340$114,465
134 ($715)$374$341$114,124
135 ($715)$373$342$113,782
136 ($715)$372$343$113,439
137 ($715)$371$344$113,095
138 ($715)$369$345$112,749
139 ($715)$368$347$112,403
140 ($715)$367$348$112,055
141 ($715)$366$349$111,706
142 ($715)$365$350$111,356
143 ($715)$364$351$111,005
144 ($715)$363$352$110,653
Year 13 - 145 ($715)$361$353$110,299
146 ($715)$360$355$109,945
147 ($715)$359$356$109,589
148 ($715)$358$357$109,232
149 ($715)$357$358$108,874
150 ($715)$356$359$108,515
151 ($715)$354$360$108,154
152 ($715)$353$362$107,793
153 ($715)$352$363$107,430
154 ($715)$351$364$107,066
155 ($715)$350$365$106,701
156 ($715)$349$366$106,334
Year 14 - 157 ($715)$347$368$105,967
158 ($715)$346$369$105,598
159 ($715)$345$370$105,228
160 ($715)$344$371$104,857
161 ($715)$343$372$104,485
162 ($715)$341$374$104,111
163 ($715)$340$375$103,736
164 ($715)$339$376$103,360
165 ($715)$338$377$102,983
166 ($715)$336$378$102,605
167 ($715)$335$380$102,225
168 ($715)$334$381$101,844
Year 15 - 169 ($715)$333$382$101,462
170 ($715)$331$383$101,078
171 ($715)$330$385$100,694
172 ($715)$329$386$100,308
173 ($715)$328$387$99,920
174 ($715)$326$388$99,532
175 ($715)$325$390$99,142
176 ($715)$324$391$98,751
177 ($715)$323$392$98,359
178 ($715)$321$394$97,965
179 ($715)$320$395$97,570
180 ($715)$319$396$97,174
Year 16 - 181 ($715)$317$397$96,777
182 ($715)$316$399$96,378
183 ($715)$315$400$95,978
184 ($715)$314$401$95,576
185 ($715)$312$403$95,174
186 ($715)$311$404$94,770
187 ($715)$310$405$94,364
188 ($715)$308$407$93,958
189 ($715)$307$408$93,550
190 ($715)$306$409$93,141
191 ($715)$304$411$92,730
192 ($715)$303$412$92,318
Year 17 - 193 ($715)$302$413$91,905
194 ($715)$300$415$91,490
195 ($715)$299$416$91,074
196 ($715)$298$417$90,657
197 ($715)$296$419$90,238
198 ($715)$295$420$89,818
199 ($715)$293$421$89,396
200 ($715)$292$423$88,973
201 ($715)$291$424$88,549
202 ($715)$289$426$88,123
203 ($715)$288$427$87,696
204 ($715)$286$428$87,268
Year 18 - 205 ($715)$285$430$86,838
206 ($715)$284$431$86,407
207 ($715)$282$433$85,974
208 ($715)$281$434$85,540
209 ($715)$279$435$85,105
210 ($715)$278$437$84,668
211 ($715)$277$438$84,230
212 ($715)$275$440$83,790
213 ($715)$274$441$83,349
214 ($715)$272$443$82,906
215 ($715)$271$444$82,462
216 ($715)$269$446$82,016
Year 19 - 217 ($715)$268$447$81,569
218 ($715)$266$448$81,121
219 ($715)$265$450$80,671
220 ($715)$264$451$80,220
221 ($715)$262$453$79,767
222 ($715)$261$454$79,313
223 ($715)$259$456$78,857
224 ($715)$258$457$78,400
225 ($715)$256$459$77,941
226 ($715)$255$460$77,480
227 ($715)$253$462$77,019
228 ($715)$252$463$76,555
Year 20 - 229 ($715)$250$465$76,091
230 ($715)$249$466$75,624
231 ($715)$247$468$75,156
232 ($715)$246$469$74,687
233 ($715)$244$471$74,216
234 ($715)$242$472$73,744
235 ($715)$241$474$73,270
236 ($715)$239$476$72,794
237 ($715)$238$477$72,317
238 ($715)$236$479$71,838
239 ($715)$235$480$71,358
240 ($715)$233$482$70,876
Year 21 - 241 ($715)$232$483$70,393
242 ($715)$230$485$69,908
243 ($715)$228$487$69,421
244 ($715)$227$488$68,933
245 ($715)$225$490$68,444
246 ($715)$224$491$67,952
247 ($715)$222$493$67,459
248 ($715)$220$495$66,965
249 ($715)$219$496$66,469
250 ($715)$217$498$65,971
251 ($715)$216$499$65,472
252 ($715)$214$501$64,970
Year 22 - 253 ($715)$212$503$64,468
254 ($715)$211$504$63,964
255 ($715)$209$506$63,458
256 ($715)$207$508$62,950
257 ($715)$206$509$62,441
258 ($715)$204$511$61,930
259 ($715)$202$513$61,417
260 ($715)$201$514$60,903
261 ($715)$199$516$60,387
262 ($715)$197$518$59,869
263 ($715)$196$519$59,350
264 ($715)$194$521$58,829
Year 23 - 265 ($715)$192$523$58,306
266 ($715)$190$524$57,782
267 ($715)$189$526$57,256
268 ($715)$187$528$56,728
269 ($715)$185$530$56,198
270 ($715)$184$531$55,667
271 ($715)$182$533$55,134
272 ($715)$180$535$54,599
273 ($715)$178$537$54,063
274 ($715)$177$538$53,524
275 ($715)$175$540$52,984
276 ($715)$173$542$52,442
Year 24 - 277 ($715)$171$544$51,899
278 ($715)$170$545$51,353
279 ($715)$168$547$50,806
280 ($715)$166$549$50,257
281 ($715)$164$551$49,707
282 ($715)$162$553$49,154
283 ($715)$161$554$48,600
284 ($715)$159$556$48,044
285 ($715)$157$558$47,486
286 ($715)$155$560$46,926
287 ($715)$153$562$46,364
288 ($715)$151$563$45,801
Year 25 - 289 ($715)$150$565$45,236
290 ($715)$148$567$44,669
291 ($715)$146$569$44,100
292 ($715)$144$571$43,529
293 ($715)$142$573$42,956
294 ($715)$140$575$42,381
295 ($715)$138$576$41,805
296 ($715)$137$578$41,227
297 ($715)$135$580$40,646
298 ($715)$133$582$40,064
299 ($715)$131$584$39,480
300 ($715)$129$586$38,894
Year 26 - 301 ($715)$127$588$38,307
302 ($715)$125$590$37,717
303 ($715)$123$592$37,125
304 ($715)$121$594$36,531
305 ($715)$119$596$35,936
306 ($715)$117$598$35,338
307 ($715)$115$599$34,739
308 ($715)$113$601$34,138
309 ($715)$112$603$33,534
310 ($715)$110$605$32,929
311 ($715)$108$607$32,321
312 ($715)$106$609$31,712
Year 27 - 313 ($715)$104$611$31,101
314 ($715)$102$613$30,488
315 ($715)$100$615$29,872
316 ($715)$98$617$29,255
317 ($715)$96$619$28,636
318 ($715)$94$621$28,014
319 ($715)$92$623$27,391
320 ($715)$89$625$26,765
321 ($715)$87$627$26,138
322 ($715)$85$630$25,508
323 ($715)$83$632$24,877
324 ($715)$81$634$24,243
Year 28 - 325 ($715)$79$636$23,608
326 ($715)$77$638$22,970
327 ($715)$75$640$22,330
328 ($715)$73$642$21,688
329 ($715)$71$644$21,044
330 ($715)$69$646$20,398
331 ($715)$67$648$19,750
332 ($715)$65$650$19,099
333 ($715)$62$653$18,447
334 ($715)$60$655$17,792
335 ($715)$58$657$17,135
336 ($715)$56$659$16,476
Year 29 - 337 ($715)$54$661$15,815
338 ($715)$52$663$15,152
339 ($715)$49$665$14,487
340 ($715)$47$668$13,819
341 ($715)$45$670$13,149
342 ($715)$43$672$12,477
343 ($715)$41$674$11,803
344 ($715)$39$676$11,127
345 ($715)$36$679$10,448
346 ($715)$34$681$9,768
347 ($715)$32$683$9,085
348 ($715)$30$685$8,399
Year 30 - 349 ($715)$27$687$7,712
350 ($715)$25$690$7,022
351 ($715)$23$692$6,330
352 ($715)$21$694$5,636
353 ($715)$18$696$4,940
354 ($715)$16$699$4,241
355 ($715)$14$701$3,540
356 ($715)$12$703$2,836
357 ($715)$9$706$2,131
358 ($715)$7$708$1,423
359 ($715)$5$710$713
360 ($715)$2$713$0
TOTALS$106,163$151,200$257,363

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.