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Mortgage Payment Schedule for a $254,000 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 September 21, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($50,800) may require pre-mortgage insurance


3.83% is current rate for 30-year fixed
3.13% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$950 360 $138,908 $342,108

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,169 or less (zip code: 20149)


NMLS #: 66247 Cardinal Financial | State Lic #: MC-1825
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.772% | Rate: 3.750% | Fees: $675 | 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

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 #: 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

$1,194 /mo
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Next
30 yr fixed mtg, 0 points | APR: 4.029% | Rate: 4.000% | 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  $254,000
Down Payment $50,800$203,200
Year 1 - 1 ($950)$649$302$202,898
2 ($950)$648$303$202,596
3 ($950)$647$304$202,292
4 ($950)$646$305$201,987
5 ($950)$645$306$201,682
6 ($950)$644$307$201,375
7 ($950)$643$308$201,067
8 ($950)$642$309$200,759
9 ($950)$641$310$200,449
10 ($950)$640$311$200,139
11 ($950)$639$312$199,827
12 ($950)$638$313$199,515
Year 2 - 13 ($950)$637$314$199,201
14 ($950)$636$315$198,887
15 ($950)$635$316$198,571
16 ($950)$634$317$198,255
17 ($950)$633$318$197,937
18 ($950)$632$319$197,619
19 ($950)$631$320$197,299
20 ($950)$630$321$196,978
21 ($950)$629$322$196,657
22 ($950)$628$323$196,334
23 ($950)$627$324$196,011
24 ($950)$626$325$195,686
Year 3 - 25 ($950)$625$326$195,360
26 ($950)$624$327$195,033
27 ($950)$622$328$194,705
28 ($950)$621$329$194,377
29 ($950)$620$330$194,047
30 ($950)$619$331$193,716
31 ($950)$618$332$193,384
32 ($950)$617$333$193,051
33 ($950)$616$334$192,716
34 ($950)$615$335$192,381
35 ($950)$614$336$192,045
36 ($950)$613$337$191,708
Year 4 - 37 ($950)$612$338$191,369
38 ($950)$611$340$191,030
39 ($950)$610$341$190,689
40 ($950)$609$342$190,347
41 ($950)$608$343$190,005
42 ($950)$606$344$189,661
43 ($950)$605$345$189,316
44 ($950)$604$346$188,970
45 ($950)$603$347$188,623
46 ($950)$602$348$188,274
47 ($950)$601$349$187,925
48 ($950)$600$351$187,574
Year 5 - 49 ($950)$599$352$187,223
50 ($950)$598$353$186,870
51 ($950)$596$354$186,516
52 ($950)$595$355$186,161
53 ($950)$594$356$185,805
54 ($950)$593$357$185,448
55 ($950)$592$358$185,089
56 ($950)$591$360$184,730
57 ($950)$590$361$184,369
58 ($950)$588$362$184,007
59 ($950)$587$363$183,644
60 ($950)$586$364$183,280
Year 6 - 61 ($950)$585$365$182,915
62 ($950)$584$366$182,548
63 ($950)$583$368$182,181
64 ($950)$581$369$181,812
65 ($950)$580$370$181,442
66 ($950)$579$371$181,070
67 ($950)$578$372$180,698
68 ($950)$577$374$180,325
69 ($950)$576$375$179,950
70 ($950)$574$376$179,574
71 ($950)$573$377$179,197
72 ($950)$572$378$178,818
Year 7 - 73 ($950)$571$380$178,439
74 ($950)$570$381$178,058
75 ($950)$568$382$177,676
76 ($950)$567$383$177,293
77 ($950)$566$384$176,908
78 ($950)$565$386$176,523
79 ($950)$563$387$176,136
80 ($950)$562$388$175,748
81 ($950)$561$389$175,358
82 ($950)$560$391$174,968
83 ($950)$558$392$174,576
84 ($950)$557$393$174,183
Year 8 - 85 ($950)$556$394$173,788
86 ($950)$555$396$173,393
87 ($950)$553$397$172,996
88 ($950)$552$398$172,598
89 ($950)$551$399$172,198
90 ($950)$550$401$171,797
91 ($950)$548$402$171,396
92 ($950)$547$403$170,992
93 ($950)$546$405$170,588
94 ($950)$544$406$170,182
95 ($950)$543$407$169,775
96 ($950)$542$408$169,366
Year 9 - 97 ($950)$541$410$168,957
98 ($950)$539$411$168,546
99 ($950)$538$412$168,133
100 ($950)$537$414$167,719
101 ($950)$535$415$167,304
102 ($950)$534$416$166,888
103 ($950)$533$418$166,471
104 ($950)$531$419$166,052
105 ($950)$530$420$165,631
106 ($950)$529$422$165,210
107 ($950)$527$423$164,787
108 ($950)$526$424$164,362
Year 10 - 109 ($950)$525$426$163,936
110 ($950)$523$427$163,509
111 ($950)$522$428$163,081
112 ($950)$521$430$162,651
113 ($950)$519$431$162,220
114 ($950)$518$433$161,787
115 ($950)$516$434$161,354
116 ($950)$515$435$160,918
117 ($950)$514$437$160,482
118 ($950)$512$438$160,043
119 ($950)$511$439$159,604
120 ($950)$509$441$159,163
Year 11 - 121 ($950)$508$442$158,721
122 ($950)$507$444$158,277
123 ($950)$505$445$157,832
124 ($950)$504$447$157,385
125 ($950)$502$448$156,937
126 ($950)$501$449$156,488
127 ($950)$499$451$156,037
128 ($950)$498$452$155,585
129 ($950)$497$454$155,131
130 ($950)$495$455$154,676
131 ($950)$494$457$154,219
132 ($950)$492$458$153,761
Year 12 - 133 ($950)$491$460$153,302
134 ($950)$489$461$152,841
135 ($950)$488$462$152,378
136 ($950)$486$464$151,914
137 ($950)$485$465$151,449
138 ($950)$483$467$150,982
139 ($950)$482$468$150,513
140 ($950)$480$470$150,044
141 ($950)$479$471$149,572
142 ($950)$477$473$149,099
143 ($950)$476$474$148,625
144 ($950)$474$476$148,149
Year 13 - 145 ($950)$473$477$147,671
146 ($950)$471$479$147,192
147 ($950)$470$481$146,712
148 ($950)$468$482$146,230
149 ($950)$467$484$145,746
150 ($950)$465$485$145,261
151 ($950)$464$487$144,774
152 ($950)$462$488$144,286
153 ($950)$461$490$143,796
154 ($950)$459$491$143,305
155 ($950)$457$493$142,812
156 ($950)$456$494$142,318
Year 14 - 157 ($950)$454$496$141,822
158 ($950)$453$498$141,324
159 ($950)$451$499$140,825
160 ($950)$449$501$140,324
161 ($950)$448$502$139,821
162 ($950)$446$504$139,317
163 ($950)$445$506$138,812
164 ($950)$443$507$138,305
165 ($950)$441$509$137,796
166 ($950)$440$511$137,285
167 ($950)$438$512$136,773
168 ($950)$437$514$136,259
Year 15 - 169 ($950)$435$515$135,744
170 ($950)$433$517$135,227
171 ($950)$432$519$134,708
172 ($950)$430$520$134,188
173 ($950)$428$522$133,666
174 ($950)$427$524$133,142
175 ($950)$425$525$132,617
176 ($950)$423$527$132,090
177 ($950)$422$529$131,561
178 ($950)$420$530$131,031
179 ($950)$418$532$130,498
180 ($950)$417$534$129,965
Year 16 - 181 ($950)$415$535$129,429
182 ($950)$413$537$128,892
183 ($950)$411$539$128,353
184 ($950)$410$541$127,812
185 ($950)$408$542$127,270
186 ($950)$406$544$126,726
187 ($950)$404$546$126,180
188 ($950)$403$548$125,633
189 ($950)$401$549$125,083
190 ($950)$399$551$124,532
191 ($950)$397$553$123,979
192 ($950)$396$555$123,425
Year 17 - 193 ($950)$394$556$122,868
194 ($950)$392$558$122,310
195 ($950)$390$560$121,750
196 ($950)$389$562$121,189
197 ($950)$387$564$120,625
198 ($950)$385$565$120,060
199 ($950)$383$567$119,493
200 ($950)$381$569$118,924
201 ($950)$380$571$118,353
202 ($950)$378$573$117,780
203 ($950)$376$574$117,206
204 ($950)$374$576$116,630
Year 18 - 205 ($950)$372$578$116,052
206 ($950)$370$580$115,472
207 ($950)$369$582$114,890
208 ($950)$367$584$114,307
209 ($950)$365$585$113,721
210 ($950)$363$587$113,134
211 ($950)$361$589$112,545
212 ($950)$359$591$111,953
213 ($950)$357$593$111,360
214 ($950)$355$595$110,766
215 ($950)$354$597$110,169
216 ($950)$352$599$109,570
Year 19 - 217 ($950)$350$601$108,970
218 ($950)$348$603$108,367
219 ($950)$346$604$107,763
220 ($950)$344$606$107,156
221 ($950)$342$608$106,548
222 ($950)$340$610$105,938
223 ($950)$338$612$105,326
224 ($950)$336$614$104,711
225 ($950)$334$616$104,095
226 ($950)$332$618$103,477
227 ($950)$330$620$102,857
228 ($950)$328$622$102,235
Year 20 - 229 ($950)$326$624$101,611
230 ($950)$324$626$100,985
231 ($950)$322$628$100,357
232 ($950)$320$630$99,727
233 ($950)$318$632$99,095
234 ($950)$316$634$98,461
235 ($950)$314$636$97,825
236 ($950)$312$638$97,187
237 ($950)$310$640$96,547
238 ($950)$308$642$95,905
239 ($950)$306$644$95,261
240 ($950)$304$646$94,614
Year 21 - 241 ($950)$302$648$93,966
242 ($950)$300$650$93,316
243 ($950)$298$652$92,663
244 ($950)$296$655$92,009
245 ($950)$294$657$91,352
246 ($950)$292$659$90,693
247 ($950)$289$661$90,032
248 ($950)$287$663$89,369
249 ($950)$285$665$88,704
250 ($950)$283$667$88,037
251 ($950)$281$669$87,368
252 ($950)$279$671$86,696
Year 22 - 253 ($950)$277$674$86,023
254 ($950)$275$676$85,347
255 ($950)$272$678$84,669
256 ($950)$270$680$83,989
257 ($950)$268$682$83,307
258 ($950)$266$684$82,623
259 ($950)$264$687$81,936
260 ($950)$262$689$81,247
261 ($950)$259$691$80,556
262 ($950)$257$693$79,863
263 ($950)$255$695$79,168
264 ($950)$253$698$78,470
Year 23 - 265 ($950)$250$700$77,770
266 ($950)$248$702$77,068
267 ($950)$246$704$76,364
268 ($950)$244$707$75,657
269 ($950)$241$709$74,948
270 ($950)$239$711$74,237
271 ($950)$237$713$73,524
272 ($950)$235$716$72,808
273 ($950)$232$718$72,090
274 ($950)$230$720$71,370
275 ($950)$228$723$70,648
276 ($950)$225$725$69,923
Year 24 - 277 ($950)$223$727$69,196
278 ($950)$221$729$68,466
279 ($950)$219$732$67,734
280 ($950)$216$734$67,000
281 ($950)$214$736$66,264
282 ($950)$211$739$65,525
283 ($950)$209$741$64,784
284 ($950)$207$744$64,040
285 ($950)$204$746$63,294
286 ($950)$202$748$62,546
287 ($950)$200$751$61,795
288 ($950)$197$753$61,042
Year 25 - 289 ($950)$195$755$60,287
290 ($950)$192$758$59,529
291 ($950)$190$760$58,769
292 ($950)$188$763$58,006
293 ($950)$185$765$57,241
294 ($950)$183$768$56,473
295 ($950)$180$770$55,703
296 ($950)$178$773$54,931
297 ($950)$175$775$54,156
298 ($950)$173$777$53,378
299 ($950)$170$780$52,598
300 ($950)$168$782$51,816
Year 26 - 301 ($950)$165$785$51,031
302 ($950)$163$787$50,244
303 ($950)$160$790$49,454
304 ($950)$158$792$48,661
305 ($950)$155$795$47,866
306 ($950)$153$798$47,069
307 ($950)$150$800$46,269
308 ($950)$148$803$45,466
309 ($950)$145$805$44,661
310 ($950)$143$808$43,853
311 ($950)$140$810$43,043
312 ($950)$137$813$42,230
Year 27 - 313 ($950)$135$816$41,414
314 ($950)$132$818$40,596
315 ($950)$130$821$39,775
316 ($950)$127$823$38,952
317 ($950)$124$826$38,126
318 ($950)$122$829$37,297
319 ($950)$119$831$36,466
320 ($950)$116$834$35,632
321 ($950)$114$837$34,796
322 ($950)$111$839$33,956
323 ($950)$108$842$33,115
324 ($950)$106$845$32,270
Year 28 - 325 ($950)$103$847$31,423
326 ($950)$100$850$30,573
327 ($950)$98$853$29,720
328 ($950)$95$855$28,864
329 ($950)$92$858$28,006
330 ($950)$89$861$27,145
331 ($950)$87$864$26,282
332 ($950)$84$866$25,415
333 ($950)$81$869$24,546
334 ($950)$78$872$23,674
335 ($950)$76$875$22,799
336 ($950)$73$878$21,922
Year 29 - 337 ($950)$70$880$21,042
338 ($950)$67$883$20,158
339 ($950)$64$886$19,272
340 ($950)$62$889$18,384
341 ($950)$59$892$17,492
342 ($950)$56$894$16,598
343 ($950)$53$897$15,700
344 ($950)$50$900$14,800
345 ($950)$47$903$13,897
346 ($950)$44$906$12,991
347 ($950)$41$909$12,082
348 ($950)$39$912$11,170
Year 30 - 349 ($950)$36$915$10,256
350 ($950)$33$918$9,338
351 ($950)$30$920$8,418
352 ($950)$27$923$7,494
353 ($950)$24$926$6,568
354 ($950)$21$929$5,639
355 ($950)$18$932$4,706
356 ($950)$15$935$3,771
357 ($950)$12$938$2,833
358 ($950)$9$941$1,892
359 ($950)$6$944$947
360 ($950)$3$947$0
TOTALS$138,908$203,200$342,108

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.