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Mortgage Payment Schedule for a $280,000 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% ($56,000) 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
$1,048 360 $153,126 $377,126

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 #: 898791
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.802% | Rate: 3.750% | Fees: $1,595 | 60 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

$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
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  $280,000
Down Payment $56,000$224,000
Year 1 - 1 ($1,048)$715$333$223,667
2 ($1,048)$714$334$223,334
3 ($1,048)$713$335$222,999
4 ($1,048)$712$336$222,663
5 ($1,048)$711$337$222,326
6 ($1,048)$710$338$221,988
7 ($1,048)$709$339$221,649
8 ($1,048)$707$340$221,309
9 ($1,048)$706$341$220,968
10 ($1,048)$705$342$220,625
11 ($1,048)$704$343$220,282
12 ($1,048)$703$345$219,937
Year 2 - 13 ($1,048)$702$346$219,592
14 ($1,048)$701$347$219,245
15 ($1,048)$700$348$218,897
16 ($1,048)$699$349$218,548
17 ($1,048)$698$350$218,198
18 ($1,048)$696$351$217,847
19 ($1,048)$695$352$217,495
20 ($1,048)$694$353$217,142
21 ($1,048)$693$355$216,787
22 ($1,048)$692$356$216,431
23 ($1,048)$691$357$216,075
24 ($1,048)$690$358$215,717
Year 3 - 25 ($1,048)$688$359$215,358
26 ($1,048)$687$360$214,997
27 ($1,048)$686$361$214,636
28 ($1,048)$685$363$214,273
29 ($1,048)$684$364$213,910
30 ($1,048)$683$365$213,545
31 ($1,048)$682$366$213,179
32 ($1,048)$680$367$212,812
33 ($1,048)$679$368$212,443
34 ($1,048)$678$370$212,074
35 ($1,048)$677$371$211,703
36 ($1,048)$676$372$211,331
Year 4 - 37 ($1,048)$674$373$210,958
38 ($1,048)$673$374$210,584
39 ($1,048)$672$375$210,208
40 ($1,048)$671$377$209,832
41 ($1,048)$670$378$209,454
42 ($1,048)$669$379$209,075
43 ($1,048)$667$380$208,695
44 ($1,048)$666$381$208,313
45 ($1,048)$665$383$207,930
46 ($1,048)$664$384$207,546
47 ($1,048)$662$385$207,161
48 ($1,048)$661$386$206,775
Year 5 - 49 ($1,048)$660$388$206,387
50 ($1,048)$659$389$205,998
51 ($1,048)$657$390$205,608
52 ($1,048)$656$391$205,217
53 ($1,048)$655$393$204,824
54 ($1,048)$654$394$204,431
55 ($1,048)$652$395$204,035
56 ($1,048)$651$396$203,639
57 ($1,048)$650$398$203,241
58 ($1,048)$649$399$202,843
59 ($1,048)$647$400$202,442
60 ($1,048)$646$401$202,041
Year 6 - 61 ($1,048)$645$403$201,638
62 ($1,048)$644$404$201,234
63 ($1,048)$642$405$200,829
64 ($1,048)$641$407$200,422
65 ($1,048)$640$408$200,014
66 ($1,048)$638$409$199,605
67 ($1,048)$637$411$199,195
68 ($1,048)$636$412$198,783
69 ($1,048)$634$413$198,370
70 ($1,048)$633$414$197,955
71 ($1,048)$632$416$197,540
72 ($1,048)$630$417$197,123
Year 7 - 73 ($1,048)$629$418$196,704
74 ($1,048)$628$420$196,284
75 ($1,048)$626$421$195,863
76 ($1,048)$625$422$195,441
77 ($1,048)$624$424$195,017
78 ($1,048)$622$425$194,592
79 ($1,048)$621$427$194,165
80 ($1,048)$620$428$193,738
81 ($1,048)$618$429$193,308
82 ($1,048)$617$431$192,878
83 ($1,048)$616$432$192,446
84 ($1,048)$614$433$192,012
Year 8 - 85 ($1,048)$613$435$191,578
86 ($1,048)$611$436$191,142
87 ($1,048)$610$438$190,704
88 ($1,048)$609$439$190,265
89 ($1,048)$607$440$189,825
90 ($1,048)$606$442$189,383
91 ($1,048)$604$443$188,940
92 ($1,048)$603$445$188,495
93 ($1,048)$602$446$188,049
94 ($1,048)$600$447$187,602
95 ($1,048)$599$449$187,153
96 ($1,048)$597$450$186,703
Year 9 - 97 ($1,048)$596$452$186,251
98 ($1,048)$594$453$185,798
99 ($1,048)$593$455$185,344
100 ($1,048)$592$456$184,888
101 ($1,048)$590$457$184,430
102 ($1,048)$589$459$183,971
103 ($1,048)$587$460$183,511
104 ($1,048)$586$462$183,049
105 ($1,048)$584$463$182,586
106 ($1,048)$583$465$182,121
107 ($1,048)$581$466$181,654
108 ($1,048)$580$468$181,187
Year 10 - 109 ($1,048)$578$469$180,717
110 ($1,048)$577$471$180,247
111 ($1,048)$575$472$179,774
112 ($1,048)$574$474$179,301
113 ($1,048)$572$475$178,825
114 ($1,048)$571$477$178,348
115 ($1,048)$569$478$177,870
116 ($1,048)$568$480$177,390
117 ($1,048)$566$481$176,909
118 ($1,048)$565$483$176,426
119 ($1,048)$563$484$175,941
120 ($1,048)$562$486$175,455
Year 11 - 121 ($1,048)$560$488$174,968
122 ($1,048)$558$489$174,479
123 ($1,048)$557$491$173,988
124 ($1,048)$555$492$173,496
125 ($1,048)$554$494$173,002
126 ($1,048)$552$495$172,506
127 ($1,048)$551$497$172,009
128 ($1,048)$549$499$171,511
129 ($1,048)$547$500$171,011
130 ($1,048)$546$502$170,509
131 ($1,048)$544$503$170,006
132 ($1,048)$543$505$169,501
Year 12 - 133 ($1,048)$541$507$168,994
134 ($1,048)$539$508$168,486
135 ($1,048)$538$510$167,976
136 ($1,048)$536$511$167,465
137 ($1,048)$534$513$166,951
138 ($1,048)$533$515$166,437
139 ($1,048)$531$516$165,920
140 ($1,048)$530$518$165,402
141 ($1,048)$528$520$164,883
142 ($1,048)$526$521$164,361
143 ($1,048)$525$523$163,838
144 ($1,048)$523$525$163,314
Year 13 - 145 ($1,048)$521$526$162,787
146 ($1,048)$520$528$162,259
147 ($1,048)$518$530$161,730
148 ($1,048)$516$531$161,198
149 ($1,048)$514$533$160,665
150 ($1,048)$513$535$160,130
151 ($1,048)$511$536$159,594
152 ($1,048)$509$538$159,056
153 ($1,048)$508$540$158,516
154 ($1,048)$506$542$157,974
155 ($1,048)$504$543$157,431
156 ($1,048)$502$545$156,886
Year 14 - 157 ($1,048)$501$547$156,339
158 ($1,048)$499$549$155,790
159 ($1,048)$497$550$155,240
160 ($1,048)$495$552$154,688
161 ($1,048)$494$554$154,134
162 ($1,048)$492$556$153,578
163 ($1,048)$490$557$153,021
164 ($1,048)$488$559$152,462
165 ($1,048)$487$561$151,901
166 ($1,048)$485$563$151,338
167 ($1,048)$483$565$150,773
168 ($1,048)$481$566$150,207
Year 15 - 169 ($1,048)$479$568$149,639
170 ($1,048)$478$570$149,069
171 ($1,048)$476$572$148,497
172 ($1,048)$474$574$147,924
173 ($1,048)$472$575$147,348
174 ($1,048)$470$577$146,771
175 ($1,048)$468$579$146,192
176 ($1,048)$467$581$145,611
177 ($1,048)$465$583$145,028
178 ($1,048)$463$585$144,443
179 ($1,048)$461$587$143,857
180 ($1,048)$459$588$143,268
Year 16 - 181 ($1,048)$457$590$142,678
182 ($1,048)$455$592$142,086
183 ($1,048)$453$594$141,492
184 ($1,048)$452$596$140,896
185 ($1,048)$450$598$140,298
186 ($1,048)$448$600$139,698
187 ($1,048)$446$602$139,096
188 ($1,048)$444$604$138,493
189 ($1,048)$442$606$137,887
190 ($1,048)$440$607$137,280
191 ($1,048)$438$609$136,670
192 ($1,048)$436$611$136,059
Year 17 - 193 ($1,048)$434$613$135,445
194 ($1,048)$432$615$134,830
195 ($1,048)$430$617$134,213
196 ($1,048)$428$619$133,594
197 ($1,048)$426$621$132,973
198 ($1,048)$424$623$132,349
199 ($1,048)$422$625$131,724
200 ($1,048)$420$627$131,097
201 ($1,048)$418$629$130,468
202 ($1,048)$416$631$129,837
203 ($1,048)$414$633$129,204
204 ($1,048)$412$635$128,568
Year 18 - 205 ($1,048)$410$637$127,931
206 ($1,048)$408$639$127,292
207 ($1,048)$406$641$126,651
208 ($1,048)$404$643$126,007
209 ($1,048)$402$645$125,362
210 ($1,048)$400$647$124,714
211 ($1,048)$398$650$124,065
212 ($1,048)$396$652$123,413
213 ($1,048)$394$654$122,760
214 ($1,048)$392$656$122,104
215 ($1,048)$390$658$121,446
216 ($1,048)$388$660$120,786
Year 19 - 217 ($1,048)$386$662$120,124
218 ($1,048)$383$664$119,460
219 ($1,048)$381$666$118,793
220 ($1,048)$379$668$118,125
221 ($1,048)$377$671$117,454
222 ($1,048)$375$673$116,782
223 ($1,048)$373$675$116,107
224 ($1,048)$371$677$115,430
225 ($1,048)$368$679$114,751
226 ($1,048)$366$681$114,069
227 ($1,048)$364$684$113,386
228 ($1,048)$362$686$112,700
Year 20 - 229 ($1,048)$360$688$112,012
230 ($1,048)$358$690$111,322
231 ($1,048)$355$692$110,630
232 ($1,048)$353$694$109,936
233 ($1,048)$351$697$109,239
234 ($1,048)$349$699$108,540
235 ($1,048)$346$701$107,839
236 ($1,048)$344$703$107,135
237 ($1,048)$342$706$106,430
238 ($1,048)$340$708$105,722
239 ($1,048)$337$710$105,012
240 ($1,048)$335$712$104,299
Year 21 - 241 ($1,048)$333$715$103,585
242 ($1,048)$331$717$102,868
243 ($1,048)$328$719$102,148
244 ($1,048)$326$722$101,427
245 ($1,048)$324$724$100,703
246 ($1,048)$321$726$99,977
247 ($1,048)$319$728$99,248
248 ($1,048)$317$731$98,518
249 ($1,048)$314$733$97,784
250 ($1,048)$312$735$97,049
251 ($1,048)$310$738$96,311
252 ($1,048)$307$740$95,571
Year 22 - 253 ($1,048)$305$743$94,828
254 ($1,048)$303$745$94,083
255 ($1,048)$300$747$93,336
256 ($1,048)$298$750$92,587
257 ($1,048)$296$752$91,834
258 ($1,048)$293$754$91,080
259 ($1,048)$291$757$90,323
260 ($1,048)$288$759$89,564
261 ($1,048)$286$762$88,802
262 ($1,048)$283$764$88,038
263 ($1,048)$281$767$87,271
264 ($1,048)$279$769$86,502
Year 23 - 265 ($1,048)$276$771$85,731
266 ($1,048)$274$774$84,957
267 ($1,048)$271$776$84,180
268 ($1,048)$269$779$83,402
269 ($1,048)$266$781$82,620
270 ($1,048)$264$784$81,836
271 ($1,048)$261$786$81,050
272 ($1,048)$259$789$80,261
273 ($1,048)$256$791$79,470
274 ($1,048)$254$794$78,676
275 ($1,048)$251$796$77,879
276 ($1,048)$249$799$77,080
Year 24 - 277 ($1,048)$246$802$76,279
278 ($1,048)$243$804$75,475
279 ($1,048)$241$807$74,668
280 ($1,048)$238$809$73,859
281 ($1,048)$236$812$73,047
282 ($1,048)$233$814$72,232
283 ($1,048)$231$817$71,415
284 ($1,048)$228$820$70,596
285 ($1,048)$225$822$69,773
286 ($1,048)$223$825$68,949
287 ($1,048)$220$828$68,121
288 ($1,048)$217$830$67,291
Year 25 - 289 ($1,048)$215$833$66,458
290 ($1,048)$212$835$65,623
291 ($1,048)$209$838$64,784
292 ($1,048)$207$841$63,944
293 ($1,048)$204$843$63,100
294 ($1,048)$201$846$62,254
295 ($1,048)$199$849$61,405
296 ($1,048)$196$852$60,554
297 ($1,048)$193$854$59,699
298 ($1,048)$191$857$58,842
299 ($1,048)$188$860$57,982
300 ($1,048)$185$863$57,120
Year 26 - 301 ($1,048)$182$865$56,255
302 ($1,048)$180$868$55,387
303 ($1,048)$177$871$54,516
304 ($1,048)$174$874$53,642
305 ($1,048)$171$876$52,766
306 ($1,048)$168$879$51,887
307 ($1,048)$166$882$51,005
308 ($1,048)$163$885$50,120
309 ($1,048)$160$888$49,232
310 ($1,048)$157$890$48,342
311 ($1,048)$154$893$47,449
312 ($1,048)$151$896$46,552
Year 27 - 313 ($1,048)$149$899$45,653
314 ($1,048)$146$902$44,752
315 ($1,048)$143$905$43,847
316 ($1,048)$140$908$42,939
317 ($1,048)$137$911$42,029
318 ($1,048)$134$913$41,115
319 ($1,048)$131$916$40,199
320 ($1,048)$128$919$39,280
321 ($1,048)$125$922$38,357
322 ($1,048)$122$925$37,432
323 ($1,048)$119$928$36,504
324 ($1,048)$117$931$35,573
Year 28 - 325 ($1,048)$114$934$34,639
326 ($1,048)$111$937$33,702
327 ($1,048)$108$940$32,762
328 ($1,048)$105$943$31,819
329 ($1,048)$102$946$30,873
330 ($1,048)$99$949$29,924
331 ($1,048)$96$952$28,972
332 ($1,048)$92$955$28,017
333 ($1,048)$89$958$27,059
334 ($1,048)$86$961$26,098
335 ($1,048)$83$964$25,133
336 ($1,048)$80$967$24,166
Year 29 - 337 ($1,048)$77$970$23,195
338 ($1,048)$74$974$22,222
339 ($1,048)$71$977$21,245
340 ($1,048)$68$980$20,265
341 ($1,048)$65$983$19,283
342 ($1,048)$62$986$18,297
343 ($1,048)$58$989$17,307
344 ($1,048)$55$992$16,315
345 ($1,048)$52$996$15,320
346 ($1,048)$49$999$14,321
347 ($1,048)$46$1,002$13,319
348 ($1,048)$43$1,005$12,314
Year 30 - 349 ($1,048)$39$1,008$11,306
350 ($1,048)$36$1,011$10,294
351 ($1,048)$33$1,015$9,279
352 ($1,048)$30$1,018$8,261
353 ($1,048)$26$1,021$7,240
354 ($1,048)$23$1,024$6,216
355 ($1,048)$20$1,028$5,188
356 ($1,048)$17$1,031$4,157
357 ($1,048)$13$1,034$3,123
358 ($1,048)$10$1,038$2,085
359 ($1,048)$7$1,041$1,044
360 ($1,048)$3$1,044$0
TOTALS$153,126$224,000$377,126

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.