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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 February 15, 2018. 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


4.38% is current rate for 30-year fixed
3.84% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$923 360 $147,561 $332,361

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $231,000
Down Payment $46,200$184,800
Year 1 - 1 ($923)$675$249$184,551
2 ($923)$674$250$184,302
3 ($923)$673$251$184,051
4 ($923)$672$251$183,800
5 ($923)$671$252$183,547
6 ($923)$670$253$183,294
7 ($923)$669$254$183,040
8 ($923)$668$255$182,785
9 ($923)$667$256$182,529
10 ($923)$666$257$182,272
11 ($923)$665$258$182,014
12 ($923)$664$259$181,755
Year 2 - 13 ($923)$663$260$181,495
14 ($923)$662$261$181,234
15 ($923)$662$262$180,973
16 ($923)$661$263$180,710
17 ($923)$660$264$180,446
18 ($923)$659$265$180,182
19 ($923)$658$266$179,916
20 ($923)$657$267$179,650
21 ($923)$656$268$179,382
22 ($923)$655$268$179,114
23 ($923)$654$269$178,844
24 ($923)$653$270$178,574
Year 3 - 25 ($923)$652$271$178,302
26 ($923)$651$272$178,030
27 ($923)$650$273$177,756
28 ($923)$649$274$177,482
29 ($923)$648$275$177,207
30 ($923)$647$276$176,930
31 ($923)$646$277$176,653
32 ($923)$645$278$176,374
33 ($923)$644$279$176,095
34 ($923)$643$280$175,814
35 ($923)$642$282$175,533
36 ($923)$641$283$175,250
Year 4 - 37 ($923)$640$284$174,967
38 ($923)$639$285$174,682
39 ($923)$638$286$174,397
40 ($923)$637$287$174,110
41 ($923)$636$288$173,822
42 ($923)$634$289$173,533
43 ($923)$633$290$173,244
44 ($923)$632$291$172,953
45 ($923)$631$292$172,661
46 ($923)$630$293$172,368
47 ($923)$629$294$172,074
48 ($923)$628$295$171,778
Year 5 - 49 ($923)$627$296$171,482
50 ($923)$626$297$171,185
51 ($923)$625$298$170,887
52 ($923)$624$299$170,587
53 ($923)$623$301$170,286
54 ($923)$622$302$169,985
55 ($923)$620$303$169,682
56 ($923)$619$304$169,378
57 ($923)$618$305$169,073
58 ($923)$617$306$168,767
59 ($923)$616$307$168,460
60 ($923)$615$308$168,151
Year 6 - 61 ($923)$614$309$167,842
62 ($923)$613$311$167,531
63 ($923)$611$312$167,220
64 ($923)$610$313$166,907
65 ($923)$609$314$166,593
66 ($923)$608$315$166,278
67 ($923)$607$316$165,961
68 ($923)$606$317$165,644
69 ($923)$605$319$165,325
70 ($923)$603$320$165,005
71 ($923)$602$321$164,684
72 ($923)$601$322$164,362
Year 7 - 73 ($923)$600$323$164,039
74 ($923)$599$324$163,715
75 ($923)$598$326$163,389
76 ($923)$596$327$163,062
77 ($923)$595$328$162,734
78 ($923)$594$329$162,405
79 ($923)$593$330$162,074
80 ($923)$592$332$161,743
81 ($923)$590$333$161,410
82 ($923)$589$334$161,076
83 ($923)$588$335$160,740
84 ($923)$587$337$160,404
Year 8 - 85 ($923)$585$338$160,066
86 ($923)$584$339$159,727
87 ($923)$583$340$159,387
88 ($923)$582$341$159,045
89 ($923)$581$343$158,703
90 ($923)$579$344$158,359
91 ($923)$578$345$158,014
92 ($923)$577$346$157,667
93 ($923)$575$348$157,319
94 ($923)$574$349$156,970
95 ($923)$573$350$156,620
96 ($923)$572$352$156,269
Year 9 - 97 ($923)$570$353$155,916
98 ($923)$569$354$155,562
99 ($923)$568$355$155,206
100 ($923)$567$357$154,849
101 ($923)$565$358$154,491
102 ($923)$564$359$154,132
103 ($923)$563$361$153,771
104 ($923)$561$362$153,409
105 ($923)$560$363$153,046
106 ($923)$559$365$152,682
107 ($923)$557$366$152,316
108 ($923)$556$367$151,948
Year 10 - 109 ($923)$555$369$151,580
110 ($923)$553$370$151,210
111 ($923)$552$371$150,838
112 ($923)$551$373$150,466
113 ($923)$549$374$150,092
114 ($923)$548$375$149,716
115 ($923)$546$377$149,340
116 ($923)$545$378$148,961
117 ($923)$544$380$148,582
118 ($923)$542$381$148,201
119 ($923)$541$382$147,819
120 ($923)$540$384$147,435
Year 11 - 121 ($923)$538$385$147,050
122 ($923)$537$386$146,664
123 ($923)$535$388$146,276
124 ($923)$534$389$145,886
125 ($923)$532$391$145,496
126 ($923)$531$392$145,103
127 ($923)$530$394$144,710
128 ($923)$528$395$144,315
129 ($923)$527$396$143,918
130 ($923)$525$398$143,520
131 ($923)$524$399$143,121
132 ($923)$522$401$142,720
Year 12 - 133 ($923)$521$402$142,318
134 ($923)$519$404$141,914
135 ($923)$518$405$141,509
136 ($923)$517$407$141,102
137 ($923)$515$408$140,694
138 ($923)$514$410$140,284
139 ($923)$512$411$139,873
140 ($923)$511$413$139,460
141 ($923)$509$414$139,046
142 ($923)$508$416$138,630
143 ($923)$506$417$138,213
144 ($923)$504$419$137,795
Year 13 - 145 ($923)$503$420$137,374
146 ($923)$501$422$136,952
147 ($923)$500$423$136,529
148 ($923)$498$425$136,104
149 ($923)$497$426$135,678
150 ($923)$495$428$135,250
151 ($923)$494$430$134,820
152 ($923)$492$431$134,389
153 ($923)$491$433$133,956
154 ($923)$489$434$133,522
155 ($923)$487$436$133,086
156 ($923)$486$437$132,649
Year 14 - 157 ($923)$484$439$132,210
158 ($923)$483$441$131,769
159 ($923)$481$442$131,327
160 ($923)$479$444$130,883
161 ($923)$478$446$130,437
162 ($923)$476$447$129,990
163 ($923)$474$449$129,541
164 ($923)$473$450$129,091
165 ($923)$471$452$128,639
166 ($923)$470$454$128,185
167 ($923)$468$455$127,730
168 ($923)$466$457$127,273
Year 15 - 169 ($923)$465$459$126,814
170 ($923)$463$460$126,354
171 ($923)$461$462$125,892
172 ($923)$460$464$125,428
173 ($923)$458$465$124,963
174 ($923)$456$467$124,496
175 ($923)$454$469$124,027
176 ($923)$453$471$123,556
177 ($923)$451$472$123,084
178 ($923)$449$474$122,610
179 ($923)$448$476$122,134
180 ($923)$446$477$121,657
Year 16 - 181 ($923)$444$479$121,178
182 ($923)$442$481$120,697
183 ($923)$441$483$120,214
184 ($923)$439$484$119,730
185 ($923)$437$486$119,244
186 ($923)$435$488$118,756
187 ($923)$433$490$118,266
188 ($923)$432$492$117,774
189 ($923)$430$493$117,281
190 ($923)$428$495$116,786
191 ($923)$426$497$116,289
192 ($923)$424$499$115,790
Year 17 - 193 ($923)$423$501$115,289
194 ($923)$421$502$114,787
195 ($923)$419$504$114,283
196 ($923)$417$506$113,777
197 ($923)$415$508$113,269
198 ($923)$413$510$112,759
199 ($923)$412$512$112,247
200 ($923)$410$514$111,734
201 ($923)$408$515$111,218
202 ($923)$406$517$110,701
203 ($923)$404$519$110,182
204 ($923)$402$521$109,661
Year 18 - 205 ($923)$400$523$109,138
206 ($923)$398$525$108,613
207 ($923)$396$527$108,086
208 ($923)$395$529$107,558
209 ($923)$393$531$107,027
210 ($923)$391$533$106,494
211 ($923)$389$535$105,960
212 ($923)$387$536$105,423
213 ($923)$385$538$104,885
214 ($923)$383$540$104,345
215 ($923)$381$542$103,802
216 ($923)$379$544$103,258
Year 19 - 217 ($923)$377$546$102,711
218 ($923)$375$548$102,163
219 ($923)$373$550$101,613
220 ($923)$371$552$101,060
221 ($923)$369$554$100,506
222 ($923)$367$556$99,950
223 ($923)$365$558$99,391
224 ($923)$363$560$98,831
225 ($923)$361$562$98,268
226 ($923)$359$565$97,704
227 ($923)$357$567$97,137
228 ($923)$355$569$96,569
Year 20 - 229 ($923)$352$571$95,998
230 ($923)$350$573$95,425
231 ($923)$348$575$94,850
232 ($923)$346$577$94,273
233 ($923)$344$579$93,694
234 ($923)$342$581$93,113
235 ($923)$340$583$92,529
236 ($923)$338$585$91,944
237 ($923)$336$588$91,356
238 ($923)$333$590$90,766
239 ($923)$331$592$90,175
240 ($923)$329$594$89,580
Year 21 - 241 ($923)$327$596$88,984
242 ($923)$325$598$88,386
243 ($923)$323$601$87,785
244 ($923)$320$603$87,182
245 ($923)$318$605$86,577
246 ($923)$316$607$85,970
247 ($923)$314$609$85,361
248 ($923)$312$612$84,749
249 ($923)$309$614$84,135
250 ($923)$307$616$83,519
251 ($923)$305$618$82,901
252 ($923)$303$621$82,280
Year 22 - 253 ($923)$300$623$81,657
254 ($923)$298$625$81,032
255 ($923)$296$627$80,404
256 ($923)$293$630$79,775
257 ($923)$291$632$79,143
258 ($923)$289$634$78,508
259 ($923)$287$637$77,872
260 ($923)$284$639$77,233
261 ($923)$282$641$76,591
262 ($923)$280$644$75,948
263 ($923)$277$646$75,302
264 ($923)$275$648$74,653
Year 23 - 265 ($923)$272$651$74,002
266 ($923)$270$653$73,349
267 ($923)$268$655$72,694
268 ($923)$265$658$72,036
269 ($923)$263$660$71,376
270 ($923)$261$663$70,713
271 ($923)$258$665$70,048
272 ($923)$256$668$69,380
273 ($923)$253$670$68,710
274 ($923)$251$672$68,038
275 ($923)$248$675$67,363
276 ($923)$246$677$66,686
Year 24 - 277 ($923)$243$680$66,006
278 ($923)$241$682$65,324
279 ($923)$238$685$64,639
280 ($923)$236$687$63,951
281 ($923)$233$690$63,262
282 ($923)$231$692$62,569
283 ($923)$228$695$61,874
284 ($923)$226$697$61,177
285 ($923)$223$700$60,477
286 ($923)$221$702$59,775
287 ($923)$218$705$59,070
288 ($923)$216$708$58,362
Year 25 - 289 ($923)$213$710$57,652
290 ($923)$210$713$56,939
291 ($923)$208$715$56,224
292 ($923)$205$718$55,506
293 ($923)$203$721$54,785
294 ($923)$200$723$54,062
295 ($923)$197$726$53,336
296 ($923)$195$729$52,607
297 ($923)$192$731$51,876
298 ($923)$189$734$51,142
299 ($923)$187$737$50,406
300 ($923)$184$739$49,666
Year 26 - 301 ($923)$181$742$48,924
302 ($923)$179$745$48,180
303 ($923)$176$747$47,432
304 ($923)$173$750$46,682
305 ($923)$170$753$45,930
306 ($923)$168$756$45,174
307 ($923)$165$758$44,416
308 ($923)$162$761$43,654
309 ($923)$159$764$42,891
310 ($923)$157$767$42,124
311 ($923)$154$769$41,354
312 ($923)$151$772$40,582
Year 27 - 313 ($923)$148$775$39,807
314 ($923)$145$778$39,029
315 ($923)$142$781$38,248
316 ($923)$140$784$37,465
317 ($923)$137$786$36,678
318 ($923)$134$789$35,889
319 ($923)$131$792$35,097
320 ($923)$128$795$34,302
321 ($923)$125$798$33,504
322 ($923)$122$801$32,703
323 ($923)$119$804$31,899
324 ($923)$116$807$31,092
Year 28 - 325 ($923)$113$810$30,282
326 ($923)$111$813$29,470
327 ($923)$108$816$28,654
328 ($923)$105$819$27,835
329 ($923)$102$822$27,014
330 ($923)$99$825$26,189
331 ($923)$96$828$25,361
332 ($923)$93$831$24,531
333 ($923)$90$834$23,697
334 ($923)$86$837$22,860
335 ($923)$83$840$22,021
336 ($923)$80$843$21,178
Year 29 - 337 ($923)$77$846$20,332
338 ($923)$74$849$19,483
339 ($923)$71$852$18,631
340 ($923)$68$855$17,775
341 ($923)$65$858$16,917
342 ($923)$62$861$16,056
343 ($923)$59$865$15,191
344 ($923)$55$868$14,323
345 ($923)$52$871$13,452
346 ($923)$49$874$12,578
347 ($923)$46$877$11,701
348 ($923)$43$881$10,820
Year 30 - 349 ($923)$39$884$9,937
350 ($923)$36$887$9,050
351 ($923)$33$890$8,159
352 ($923)$30$893$7,266
353 ($923)$27$897$6,369
354 ($923)$23$900$5,469
355 ($923)$20$903$4,566
356 ($923)$17$907$3,659
357 ($923)$13$910$2,750
358 ($923)$10$913$1,836
359 ($923)$7$917$920
360 ($923)$3$920$0
TOTALS$147,561$184,800$332,361

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.