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Mortgage Payment Schedule for a $231,000 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 October 19, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($46,200) may require pre-mortgage insurance


3.88% is current rate for 30-year fixed
3.19% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$870 360 $128,230 $313,030

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,176 or less (zip code: 20149)


$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.778% | Rate: 3.750% | Fees: $860 | 30 day rate lock

NMLS #: 3232 | State Lic #: MC-1532
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.875% | Rate: 3.875% | Fees: $0 | 40 day rate lock

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 #: 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 #: 898791
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.928% | Rate: 3.875% | Fees: $1,595 | 60 day rate lock

NMLS #: 35959 | State Lic #: MC-2967
$1,519 /mo
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30 yr fixed mtg, 0 points | APR: 6.125% | Rate: 6.125% | Fees: $0 | 30 day rate lock

NMLS #: 67717
$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

$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.762% | Rate: 3.750% | Fees: $353 | 30 day rate lock

NMLS #: 2258 | State Lic #: MC-4673
$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 #: 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

NMLS #: 417490
$1,192 /mo
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30 yr fixed mtg, 0 points | APR: 3.999% | Rate: 3.990% | Fees: $270 | 30 day rate lock

NMLS #: 181005
$1,192 /mo
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30 yr fixed mtg, 0 points | APR: 4.019% | Rate: 3.990% | Fees: $870 | 45 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  $231,000
Down Payment $46,200$184,800
Year 1 - 1 ($870)$598$272$184,528
2 ($870)$597$273$184,255
3 ($870)$596$274$183,981
4 ($870)$595$275$183,707
5 ($870)$594$276$183,431
6 ($870)$593$276$183,155
7 ($870)$592$277$182,877
8 ($870)$591$278$182,599
9 ($870)$590$279$182,320
10 ($870)$590$280$182,040
11 ($870)$589$281$181,759
12 ($870)$588$282$181,477
Year 2 - 13 ($870)$587$283$181,194
14 ($870)$586$284$180,911
15 ($870)$585$285$180,626
16 ($870)$584$286$180,341
17 ($870)$583$286$180,054
18 ($870)$582$287$179,767
19 ($870)$581$288$179,479
20 ($870)$580$289$179,189
21 ($870)$579$290$178,899
22 ($870)$578$291$178,608
23 ($870)$577$292$178,316
24 ($870)$577$293$178,023
Year 3 - 25 ($870)$576$294$177,729
26 ($870)$575$295$177,434
27 ($870)$574$296$177,139
28 ($870)$573$297$176,842
29 ($870)$572$298$176,544
30 ($870)$571$299$176,245
31 ($870)$570$300$175,946
32 ($870)$569$301$175,645
33 ($870)$568$302$175,344
34 ($870)$567$303$175,041
35 ($870)$566$304$174,737
36 ($870)$565$305$174,433
Year 4 - 37 ($870)$564$306$174,127
38 ($870)$563$307$173,821
39 ($870)$562$308$173,513
40 ($870)$561$309$173,205
41 ($870)$560$309$172,895
42 ($870)$559$310$172,585
43 ($870)$558$312$172,273
44 ($870)$557$313$171,961
45 ($870)$556$314$171,647
46 ($870)$555$315$171,333
47 ($870)$554$316$171,017
48 ($870)$553$317$170,701
Year 5 - 49 ($870)$552$318$170,383
50 ($870)$551$319$170,064
51 ($870)$550$320$169,745
52 ($870)$549$321$169,424
53 ($870)$548$322$169,102
54 ($870)$547$323$168,780
55 ($870)$546$324$168,456
56 ($870)$545$325$168,131
57 ($870)$544$326$167,805
58 ($870)$543$327$167,478
59 ($870)$542$328$167,150
60 ($870)$540$329$166,821
Year 6 - 61 ($870)$539$330$166,491
62 ($870)$538$331$166,160
63 ($870)$537$332$165,827
64 ($870)$536$333$165,494
65 ($870)$535$334$165,160
66 ($870)$534$336$164,824
67 ($870)$533$337$164,487
68 ($870)$532$338$164,150
69 ($870)$531$339$163,811
70 ($870)$530$340$163,471
71 ($870)$529$341$163,130
72 ($870)$527$342$162,788
Year 7 - 73 ($870)$526$343$162,445
74 ($870)$525$344$162,101
75 ($870)$524$345$161,755
76 ($870)$523$347$161,409
77 ($870)$522$348$161,061
78 ($870)$521$349$160,712
79 ($870)$520$350$160,362
80 ($870)$519$351$160,011
81 ($870)$517$352$159,659
82 ($870)$516$353$159,306
83 ($870)$515$354$158,951
84 ($870)$514$356$158,596
Year 8 - 85 ($870)$513$357$158,239
86 ($870)$512$358$157,881
87 ($870)$510$359$157,522
88 ($870)$509$360$157,162
89 ($870)$508$361$156,801
90 ($870)$507$363$156,438
91 ($870)$506$364$156,074
92 ($870)$505$365$155,710
93 ($870)$503$366$155,343
94 ($870)$502$367$154,976
95 ($870)$501$368$154,608
96 ($870)$500$370$154,238
Year 9 - 97 ($870)$499$371$153,867
98 ($870)$498$372$153,495
99 ($870)$496$373$153,122
100 ($870)$495$374$152,748
101 ($870)$494$376$152,372
102 ($870)$493$377$151,995
103 ($870)$491$378$151,617
104 ($870)$490$379$151,238
105 ($870)$489$381$150,857
106 ($870)$488$382$150,475
107 ($870)$487$383$150,092
108 ($870)$485$384$149,708
Year 10 - 109 ($870)$484$385$149,323
110 ($870)$483$387$148,936
111 ($870)$482$388$148,548
112 ($870)$480$389$148,159
113 ($870)$479$390$147,768
114 ($870)$478$392$147,377
115 ($870)$477$393$146,984
116 ($870)$475$394$146,589
117 ($870)$474$396$146,194
118 ($870)$473$397$145,797
119 ($870)$471$398$145,399
120 ($870)$470$399$144,999
Year 11 - 121 ($870)$469$401$144,599
122 ($870)$468$402$144,197
123 ($870)$466$403$143,793
124 ($870)$465$405$143,389
125 ($870)$464$406$142,983
126 ($870)$462$407$142,576
127 ($870)$461$409$142,167
128 ($870)$460$410$141,757
129 ($870)$458$411$141,346
130 ($870)$457$413$140,934
131 ($870)$456$414$140,520
132 ($870)$454$415$140,105
Year 12 - 133 ($870)$453$417$139,688
134 ($870)$452$418$139,270
135 ($870)$450$419$138,851
136 ($870)$449$421$138,430
137 ($870)$448$422$138,009
138 ($870)$446$423$137,585
139 ($870)$445$425$137,161
140 ($870)$443$426$136,735
141 ($870)$442$427$136,307
142 ($870)$441$429$135,878
143 ($870)$439$430$135,448
144 ($870)$438$432$135,017
Year 13 - 145 ($870)$437$433$134,584
146 ($870)$435$434$134,149
147 ($870)$434$436$133,713
148 ($870)$432$437$133,276
149 ($870)$431$439$132,838
150 ($870)$430$440$132,398
151 ($870)$428$441$131,956
152 ($870)$427$443$131,513
153 ($870)$425$444$131,069
154 ($870)$424$446$130,623
155 ($870)$422$447$130,176
156 ($870)$421$449$129,727
Year 14 - 157 ($870)$419$450$129,277
158 ($870)$418$452$128,826
159 ($870)$417$453$128,373
160 ($870)$415$454$127,918
161 ($870)$414$456$127,463
162 ($870)$412$457$127,005
163 ($870)$411$459$126,546
164 ($870)$409$460$126,086
165 ($870)$408$462$125,624
166 ($870)$406$463$125,161
167 ($870)$405$465$124,696
168 ($870)$403$466$124,230
Year 15 - 169 ($870)$402$468$123,762
170 ($870)$400$469$123,292
171 ($870)$399$471$122,821
172 ($870)$397$472$122,349
173 ($870)$396$474$121,875
174 ($870)$394$475$121,400
175 ($870)$393$477$120,923
176 ($870)$391$479$120,444
177 ($870)$389$480$119,964
178 ($870)$388$482$119,482
179 ($870)$386$483$118,999
180 ($870)$385$485$118,514
Year 16 - 181 ($870)$383$486$118,028
182 ($870)$382$488$117,540
183 ($870)$380$489$117,051
184 ($870)$378$491$116,560
185 ($870)$377$493$116,067
186 ($870)$375$494$115,573
187 ($870)$374$496$115,077
188 ($870)$372$497$114,579
189 ($870)$370$499$114,080
190 ($870)$369$501$113,580
191 ($870)$367$502$113,077
192 ($870)$366$504$112,573
Year 17 - 193 ($870)$364$506$112,068
194 ($870)$362$507$111,561
195 ($870)$361$509$111,052
196 ($870)$359$510$110,542
197 ($870)$357$512$110,029
198 ($870)$356$514$109,516
199 ($870)$354$515$109,000
200 ($870)$352$517$108,483
201 ($870)$351$519$107,964
202 ($870)$349$520$107,444
203 ($870)$347$522$106,922
204 ($870)$346$524$106,398
Year 18 - 205 ($870)$344$526$105,872
206 ($870)$342$527$105,345
207 ($870)$341$529$104,816
208 ($870)$339$531$104,286
209 ($870)$337$532$103,753
210 ($870)$335$534$103,219
211 ($870)$334$536$102,684
212 ($870)$332$538$102,146
213 ($870)$330$539$101,607
214 ($870)$329$541$101,066
215 ($870)$327$543$100,523
216 ($870)$325$545$99,979
Year 19 - 217 ($870)$323$546$99,432
218 ($870)$321$548$98,884
219 ($870)$320$550$98,334
220 ($870)$318$552$97,783
221 ($870)$316$553$97,230
222 ($870)$314$555$96,674
223 ($870)$313$557$96,117
224 ($870)$311$559$95,559
225 ($870)$309$561$94,998
226 ($870)$307$562$94,436
227 ($870)$305$564$93,872
228 ($870)$304$566$93,306
Year 20 - 229 ($870)$302$568$92,738
230 ($870)$300$570$92,168
231 ($870)$298$572$91,597
232 ($870)$296$573$91,023
233 ($870)$294$575$90,448
234 ($870)$292$577$89,871
235 ($870)$291$579$89,292
236 ($870)$289$581$88,711
237 ($870)$287$583$88,128
238 ($870)$285$585$87,544
239 ($870)$283$586$86,957
240 ($870)$281$588$86,369
Year 21 - 241 ($870)$279$590$85,779
242 ($870)$277$592$85,187
243 ($870)$275$594$84,592
244 ($870)$274$596$83,996
245 ($870)$272$598$83,399
246 ($870)$270$600$82,799
247 ($870)$268$602$82,197
248 ($870)$266$604$81,593
249 ($870)$264$606$80,987
250 ($870)$262$608$80,380
251 ($870)$260$610$79,770
252 ($870)$258$612$79,158
Year 22 - 253 ($870)$256$614$78,545
254 ($870)$254$616$77,929
255 ($870)$252$618$77,312
256 ($870)$250$620$76,692
257 ($870)$248$622$76,071
258 ($870)$246$624$75,447
259 ($870)$244$626$74,821
260 ($870)$242$628$74,194
261 ($870)$240$630$73,564
262 ($870)$238$632$72,933
263 ($870)$236$634$72,299
264 ($870)$234$636$71,663
Year 23 - 265 ($870)$232$638$71,025
266 ($870)$230$640$70,385
267 ($870)$228$642$69,743
268 ($870)$226$644$69,099
269 ($870)$223$646$68,453
270 ($870)$221$648$67,805
271 ($870)$219$650$67,155
272 ($870)$217$652$66,502
273 ($870)$215$655$65,848
274 ($870)$213$657$65,191
275 ($870)$211$659$64,533
276 ($870)$209$661$63,872
Year 24 - 277 ($870)$207$663$63,209
278 ($870)$204$665$62,544
279 ($870)$202$667$61,876
280 ($870)$200$669$61,207
281 ($870)$198$672$60,535
282 ($870)$196$674$59,861
283 ($870)$194$676$59,185
284 ($870)$191$678$58,507
285 ($870)$189$680$57,827
286 ($870)$187$683$57,144
287 ($870)$185$685$56,460
288 ($870)$183$687$55,773
Year 25 - 289 ($870)$180$689$55,083
290 ($870)$178$691$54,392
291 ($870)$176$694$53,698
292 ($870)$174$696$53,002
293 ($870)$171$698$52,304
294 ($870)$169$700$51,604
295 ($870)$167$703$50,901
296 ($870)$165$705$50,196
297 ($870)$162$707$49,489
298 ($870)$160$710$48,780
299 ($870)$158$712$48,068
300 ($870)$155$714$47,354
Year 26 - 301 ($870)$153$716$46,637
302 ($870)$151$719$45,918
303 ($870)$148$721$45,197
304 ($870)$146$723$44,474
305 ($870)$144$726$43,748
306 ($870)$141$728$43,020
307 ($870)$139$730$42,290
308 ($870)$137$733$41,557
309 ($870)$134$735$40,822
310 ($870)$132$738$40,084
311 ($870)$130$740$39,344
312 ($870)$127$742$38,602
Year 27 - 313 ($870)$125$745$37,857
314 ($870)$122$747$37,110
315 ($870)$120$750$36,361
316 ($870)$118$752$35,609
317 ($870)$115$754$34,854
318 ($870)$113$757$34,098
319 ($870)$110$759$33,338
320 ($870)$108$762$32,576
321 ($870)$105$764$31,812
322 ($870)$103$767$31,046
323 ($870)$100$769$30,276
324 ($870)$98$772$29,505
Year 28 - 325 ($870)$95$774$28,731
326 ($870)$93$777$27,954
327 ($870)$90$779$27,175
328 ($870)$88$782$26,393
329 ($870)$85$784$25,609
330 ($870)$83$787$24,822
331 ($870)$80$789$24,033
332 ($870)$78$792$23,241
333 ($870)$75$794$22,447
334 ($870)$73$797$21,650
335 ($870)$70$800$20,850
336 ($870)$67$802$20,048
Year 29 - 337 ($870)$65$805$19,244
338 ($870)$62$807$18,436
339 ($870)$60$810$17,626
340 ($870)$57$813$16,814
341 ($870)$54$815$15,999
342 ($870)$52$818$15,181
343 ($870)$49$820$14,360
344 ($870)$46$823$13,537
345 ($870)$44$826$12,712
346 ($870)$41$828$11,883
347 ($870)$38$831$11,052
348 ($870)$36$834$10,218
Year 30 - 349 ($870)$33$836$9,382
350 ($870)$30$839$8,543
351 ($870)$28$842$7,701
352 ($870)$25$845$6,856
353 ($870)$22$847$6,009
354 ($870)$19$850$5,159
355 ($870)$17$853$4,306
356 ($870)$14$856$3,450
357 ($870)$11$858$2,592
358 ($870)$8$861$1,731
359 ($870)$6$864$867
360 ($870)$3$867$0
TOTALS$128,230$184,800$313,030

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.