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Mortgage Payment Schedule for a $278,000 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 December 14, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($55,600) may require pre-mortgage insurance


3.93% is current rate for 30-year fixed
3.36% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,053 360 $156,614 $379,014

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,183 or less (zip code: 20149)


NMLS #: 1077157 | State Lic #: MC-5804
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.657% | Rate: 3.625% | Fees: $988 | 30 day rate lock

NMLS #: 66247 | State Lic #: MC-1825
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.685% | Rate: 3.625% | Fees: $1,842 | 30 day rate lock

NMLS #: 134407 | State Lic #: MC-5378
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.750% | Rate: 3.750% | Fees: $0 | 45 day rate lock

NMLS #: 3232 | State Lic #: MC-1532
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.750% | Rate: 3.750% | Fees: $0 | 40 day rate lock

NMLS #: 790396
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.750% | Rate: 3.750% | Fees: $0 | 30 day rate lock

NMLS #: 122701 | State Lic #: MC-1186
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.750% | Rate: 3.750% | Fees: $0 | 30 day rate lock

NMLS #: 447490
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.750% | Rate: 3.750% | Fees: $0 | 30 day rate lock

NMLS #: 258821
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.750% | Rate: 3.750% | Fees: $0 | 30 day rate lock

NMLS #: 2890 | State Lic #: MC-3098
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.756% | Rate: 3.750% | Fees: $189 | 30 day rate lock

NMLS #: 424182
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.783% | Rate: 3.750% | Fees: $994 | 30 day rate lock

NMLS #: 1023 | State Lic #: MC-5814
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.875% | Rate: 3.875% | Fees: $0 | 45 day rate lock

NMLS #: 1256692 | State Lic #: MC-5920
$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 #: 244476 | State Lic #: MC-5877
$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: 3.994% | Rate: 3.990% | Fees: $130 | 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: $865 | 45 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

$1,228 /mo
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30 yr fixed mtg, 0 points | APR: 4.240% | Rate: 4.240% | Fees: $0 | 30 day rate lock

NMLS #: 412915
$1,230 /mo
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30 yr fixed mtg, 0 points | APR: 4.308% | Rate: 4.250% | Fees: $1,710 | 60 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  $278,000
Down Payment $55,600$222,400
Year 1 - 1 ($1,053)$728$324$222,076
2 ($1,053)$727$326$221,750
3 ($1,053)$726$327$221,423
4 ($1,053)$725$328$221,096
5 ($1,053)$724$329$220,767
6 ($1,053)$723$330$220,437
7 ($1,053)$722$331$220,106
8 ($1,053)$721$332$219,774
9 ($1,053)$720$333$219,441
10 ($1,053)$719$334$219,107
11 ($1,053)$718$335$218,772
12 ($1,053)$716$336$218,436
Year 2 - 13 ($1,053)$715$337$218,098
14 ($1,053)$714$339$217,760
15 ($1,053)$713$340$217,420
16 ($1,053)$712$341$217,079
17 ($1,053)$711$342$216,737
18 ($1,053)$710$343$216,394
19 ($1,053)$709$344$216,050
20 ($1,053)$708$345$215,705
21 ($1,053)$706$346$215,359
22 ($1,053)$705$348$215,011
23 ($1,053)$704$349$214,662
24 ($1,053)$703$350$214,313
Year 3 - 25 ($1,053)$702$351$213,962
26 ($1,053)$701$352$213,610
27 ($1,053)$700$353$213,256
28 ($1,053)$698$354$212,902
29 ($1,053)$697$356$212,546
30 ($1,053)$696$357$212,190
31 ($1,053)$695$358$211,832
32 ($1,053)$694$359$211,473
33 ($1,053)$693$360$211,112
34 ($1,053)$691$361$210,751
35 ($1,053)$690$363$210,388
36 ($1,053)$689$364$210,025
Year 4 - 37 ($1,053)$688$365$209,660
38 ($1,053)$687$366$209,293
39 ($1,053)$685$367$208,926
40 ($1,053)$684$369$208,557
41 ($1,053)$683$370$208,188
42 ($1,053)$682$371$207,817
43 ($1,053)$681$372$207,444
44 ($1,053)$679$373$207,071
45 ($1,053)$678$375$206,696
46 ($1,053)$677$376$206,320
47 ($1,053)$676$377$205,943
48 ($1,053)$674$378$205,565
Year 5 - 49 ($1,053)$673$380$205,185
50 ($1,053)$672$381$204,805
51 ($1,053)$671$382$204,423
52 ($1,053)$669$383$204,039
53 ($1,053)$668$385$203,655
54 ($1,053)$667$386$203,269
55 ($1,053)$666$387$202,882
56 ($1,053)$664$388$202,493
57 ($1,053)$663$390$202,104
58 ($1,053)$662$391$201,713
59 ($1,053)$661$392$201,320
60 ($1,053)$659$393$200,927
Year 6 - 61 ($1,053)$658$395$200,532
62 ($1,053)$657$396$200,136
63 ($1,053)$655$397$199,739
64 ($1,053)$654$399$199,340
65 ($1,053)$653$400$198,940
66 ($1,053)$652$401$198,539
67 ($1,053)$650$403$198,136
68 ($1,053)$649$404$197,732
69 ($1,053)$648$405$197,327
70 ($1,053)$646$407$196,920
71 ($1,053)$645$408$196,513
72 ($1,053)$644$409$196,103
Year 7 - 73 ($1,053)$642$411$195,693
74 ($1,053)$641$412$195,281
75 ($1,053)$640$413$194,868
76 ($1,053)$638$415$194,453
77 ($1,053)$637$416$194,037
78 ($1,053)$635$417$193,620
79 ($1,053)$634$419$193,201
80 ($1,053)$633$420$192,781
81 ($1,053)$631$421$192,359
82 ($1,053)$630$423$191,937
83 ($1,053)$629$424$191,512
84 ($1,053)$627$426$191,087
Year 8 - 85 ($1,053)$626$427$190,660
86 ($1,053)$624$428$190,231
87 ($1,053)$623$430$189,801
88 ($1,053)$622$431$189,370
89 ($1,053)$620$433$188,938
90 ($1,053)$619$434$188,504
91 ($1,053)$617$435$188,068
92 ($1,053)$616$437$187,631
93 ($1,053)$614$438$187,193
94 ($1,053)$613$440$186,753
95 ($1,053)$612$441$186,312
96 ($1,053)$610$443$185,869
Year 9 - 97 ($1,053)$609$444$185,425
98 ($1,053)$607$446$184,980
99 ($1,053)$606$447$184,533
100 ($1,053)$604$448$184,084
101 ($1,053)$603$450$183,634
102 ($1,053)$601$451$183,183
103 ($1,053)$600$453$182,730
104 ($1,053)$598$454$182,276
105 ($1,053)$597$456$181,820
106 ($1,053)$595$457$181,362
107 ($1,053)$594$459$180,903
108 ($1,053)$592$460$180,443
Year 10 - 109 ($1,053)$591$462$179,981
110 ($1,053)$589$463$179,518
111 ($1,053)$588$465$179,053
112 ($1,053)$586$466$178,587
113 ($1,053)$585$468$178,119
114 ($1,053)$583$469$177,649
115 ($1,053)$582$471$177,178
116 ($1,053)$580$473$176,706
117 ($1,053)$579$474$176,231
118 ($1,053)$577$476$175,756
119 ($1,053)$576$477$175,279
120 ($1,053)$574$479$174,800
Year 11 - 121 ($1,053)$572$480$174,319
122 ($1,053)$571$482$173,838
123 ($1,053)$569$483$173,354
124 ($1,053)$568$485$172,869
125 ($1,053)$566$487$172,382
126 ($1,053)$565$488$171,894
127 ($1,053)$563$490$171,404
128 ($1,053)$561$491$170,913
129 ($1,053)$560$493$170,420
130 ($1,053)$558$495$169,925
131 ($1,053)$557$496$169,429
132 ($1,053)$555$498$168,931
Year 12 - 133 ($1,053)$553$500$168,431
134 ($1,053)$552$501$167,930
135 ($1,053)$550$503$167,427
136 ($1,053)$548$504$166,923
137 ($1,053)$547$506$166,416
138 ($1,053)$545$508$165,909
139 ($1,053)$543$509$165,399
140 ($1,053)$542$511$164,888
141 ($1,053)$540$513$164,375
142 ($1,053)$538$514$163,861
143 ($1,053)$537$516$163,345
144 ($1,053)$535$518$162,827
Year 13 - 145 ($1,053)$533$520$162,307
146 ($1,053)$532$521$161,786
147 ($1,053)$530$523$161,263
148 ($1,053)$528$525$160,738
149 ($1,053)$526$526$160,212
150 ($1,053)$525$528$159,684
151 ($1,053)$523$530$159,154
152 ($1,053)$521$532$158,622
153 ($1,053)$519$533$158,089
154 ($1,053)$518$535$157,554
155 ($1,053)$516$537$157,017
156 ($1,053)$514$539$156,478
Year 14 - 157 ($1,053)$512$540$155,938
158 ($1,053)$511$542$155,396
159 ($1,053)$509$544$154,852
160 ($1,053)$507$546$154,306
161 ($1,053)$505$547$153,759
162 ($1,053)$504$549$153,210
163 ($1,053)$502$551$152,659
164 ($1,053)$500$553$152,106
165 ($1,053)$498$555$151,551
166 ($1,053)$496$556$150,995
167 ($1,053)$495$558$150,436
168 ($1,053)$493$560$149,876
Year 15 - 169 ($1,053)$491$562$149,314
170 ($1,053)$489$564$148,750
171 ($1,053)$487$566$148,185
172 ($1,053)$485$568$147,617
173 ($1,053)$483$569$147,048
174 ($1,053)$482$571$146,477
175 ($1,053)$480$573$145,904
176 ($1,053)$478$575$145,329
177 ($1,053)$476$577$144,752
178 ($1,053)$474$579$144,173
179 ($1,053)$472$581$143,592
180 ($1,053)$470$583$143,010
Year 16 - 181 ($1,053)$468$584$142,425
182 ($1,053)$466$586$141,839
183 ($1,053)$465$588$141,251
184 ($1,053)$463$590$140,660
185 ($1,053)$461$592$140,068
186 ($1,053)$459$594$139,474
187 ($1,053)$457$596$138,878
188 ($1,053)$455$598$138,280
189 ($1,053)$453$600$137,680
190 ($1,053)$451$602$137,078
191 ($1,053)$449$604$136,474
192 ($1,053)$447$606$135,868
Year 17 - 193 ($1,053)$445$608$135,261
194 ($1,053)$443$610$134,651
195 ($1,053)$441$612$134,039
196 ($1,053)$439$614$133,425
197 ($1,053)$437$616$132,809
198 ($1,053)$435$618$132,191
199 ($1,053)$433$620$131,572
200 ($1,053)$431$622$130,950
201 ($1,053)$429$624$130,326
202 ($1,053)$427$626$129,700
203 ($1,053)$425$628$129,072
204 ($1,053)$423$630$128,442
Year 18 - 205 ($1,053)$421$632$127,809
206 ($1,053)$419$634$127,175
207 ($1,053)$416$636$126,539
208 ($1,053)$414$638$125,900
209 ($1,053)$412$640$125,260
210 ($1,053)$410$643$124,617
211 ($1,053)$408$645$123,973
212 ($1,053)$406$647$123,326
213 ($1,053)$404$649$122,677
214 ($1,053)$402$651$122,026
215 ($1,053)$400$653$121,373
216 ($1,053)$397$655$120,717
Year 19 - 217 ($1,053)$395$657$120,060
218 ($1,053)$393$660$119,400
219 ($1,053)$391$662$118,738
220 ($1,053)$389$664$118,074
221 ($1,053)$387$666$117,408
222 ($1,053)$385$668$116,740
223 ($1,053)$382$670$116,070
224 ($1,053)$380$673$115,397
225 ($1,053)$378$675$114,722
226 ($1,053)$376$677$114,045
227 ($1,053)$373$679$113,366
228 ($1,053)$371$682$112,684
Year 20 - 229 ($1,053)$369$684$112,000
230 ($1,053)$367$686$111,314
231 ($1,053)$365$688$110,626
232 ($1,053)$362$691$109,935
233 ($1,053)$360$693$109,243
234 ($1,053)$358$695$108,548
235 ($1,053)$355$697$107,850
236 ($1,053)$353$700$107,151
237 ($1,053)$351$702$106,449
238 ($1,053)$349$704$105,745
239 ($1,053)$346$707$105,038
240 ($1,053)$344$709$104,329
Year 21 - 241 ($1,053)$342$711$103,618
242 ($1,053)$339$713$102,905
243 ($1,053)$337$716$102,189
244 ($1,053)$335$718$101,471
245 ($1,053)$332$720$100,750
246 ($1,053)$330$723$100,027
247 ($1,053)$328$725$99,302
248 ($1,053)$325$728$98,575
249 ($1,053)$323$730$97,845
250 ($1,053)$320$732$97,112
251 ($1,053)$318$735$96,377
252 ($1,053)$316$737$95,640
Year 22 - 253 ($1,053)$313$740$94,901
254 ($1,053)$311$742$94,159
255 ($1,053)$308$744$93,414
256 ($1,053)$306$747$92,667
257 ($1,053)$303$749$91,918
258 ($1,053)$301$752$91,166
259 ($1,053)$299$754$90,412
260 ($1,053)$296$757$89,655
261 ($1,053)$294$759$88,896
262 ($1,053)$291$762$88,134
263 ($1,053)$289$764$87,370
264 ($1,053)$286$767$86,603
Year 23 - 265 ($1,053)$284$769$85,834
266 ($1,053)$281$772$85,063
267 ($1,053)$279$774$84,288
268 ($1,053)$276$777$83,512
269 ($1,053)$274$779$82,732
270 ($1,053)$271$782$81,950
271 ($1,053)$268$784$81,166
272 ($1,053)$266$787$80,379
273 ($1,053)$263$790$79,589
274 ($1,053)$261$792$78,797
275 ($1,053)$258$795$78,002
276 ($1,053)$255$797$77,205
Year 24 - 277 ($1,053)$253$800$76,405
278 ($1,053)$250$803$75,603
279 ($1,053)$248$805$74,797
280 ($1,053)$245$808$73,990
281 ($1,053)$242$811$73,179
282 ($1,053)$240$813$72,366
283 ($1,053)$237$816$71,550
284 ($1,053)$234$818$70,732
285 ($1,053)$232$821$69,910
286 ($1,053)$229$824$69,087
287 ($1,053)$226$827$68,260
288 ($1,053)$224$829$67,431
Year 25 - 289 ($1,053)$221$832$66,599
290 ($1,053)$218$835$65,764
291 ($1,053)$215$837$64,927
292 ($1,053)$213$840$64,086
293 ($1,053)$210$843$63,243
294 ($1,053)$207$846$62,398
295 ($1,053)$204$848$61,549
296 ($1,053)$202$851$60,698
297 ($1,053)$199$854$59,844
298 ($1,053)$196$857$58,987
299 ($1,053)$193$860$58,128
300 ($1,053)$190$862$57,265
Year 26 - 301 ($1,053)$188$865$56,400
302 ($1,053)$185$868$55,532
303 ($1,053)$182$871$54,661
304 ($1,053)$179$874$53,787
305 ($1,053)$176$877$52,910
306 ($1,053)$173$880$52,031
307 ($1,053)$170$882$51,148
308 ($1,053)$168$885$50,263
309 ($1,053)$165$888$49,375
310 ($1,053)$162$891$48,484
311 ($1,053)$159$894$47,590
312 ($1,053)$156$897$46,693
Year 27 - 313 ($1,053)$153$900$45,793
314 ($1,053)$150$903$44,890
315 ($1,053)$147$906$43,984
316 ($1,053)$144$909$43,075
317 ($1,053)$141$912$42,164
318 ($1,053)$138$915$41,249
319 ($1,053)$135$918$40,331
320 ($1,053)$132$921$39,411
321 ($1,053)$129$924$38,487
322 ($1,053)$126$927$37,560
323 ($1,053)$123$930$36,630
324 ($1,053)$120$933$35,697
Year 28 - 325 ($1,053)$117$936$34,761
326 ($1,053)$114$939$33,822
327 ($1,053)$111$942$32,880
328 ($1,053)$108$945$31,935
329 ($1,053)$105$948$30,987
330 ($1,053)$101$951$30,036
331 ($1,053)$98$954$29,081
332 ($1,053)$95$958$28,124
333 ($1,053)$92$961$27,163
334 ($1,053)$89$964$26,199
335 ($1,053)$86$967$25,232
336 ($1,053)$83$970$24,262
Year 29 - 337 ($1,053)$79$973$23,289
338 ($1,053)$76$977$22,312
339 ($1,053)$73$980$21,332
340 ($1,053)$70$983$20,349
341 ($1,053)$67$986$19,363
342 ($1,053)$63$989$18,374
343 ($1,053)$60$993$17,381
344 ($1,053)$57$996$16,385
345 ($1,053)$54$999$15,386
346 ($1,053)$50$1,002$14,384
347 ($1,053)$47$1,006$13,378
348 ($1,053)$44$1,009$12,369
Year 30 - 349 ($1,053)$41$1,012$11,357
350 ($1,053)$37$1,016$10,341
351 ($1,053)$34$1,019$9,322
352 ($1,053)$31$1,022$8,300
353 ($1,053)$27$1,026$7,274
354 ($1,053)$24$1,029$6,245
355 ($1,053)$20$1,032$5,213
356 ($1,053)$17$1,036$4,177
357 ($1,053)$14$1,039$3,138
358 ($1,053)$10$1,043$2,095
359 ($1,053)$7$1,046$1,049
360 ($1,053)$3$1,049$0
TOTALS$156,614$222,400$379,014

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.