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Mortgage Payment Schedule for a $305,000 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 November 30, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($61,000) may require pre-mortgage insurance


3.9% is current rate for 30-year fixed
3.3% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,151 360 $170,313 $414,313

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,179 or less (zip code: 20149)


NMLS #: 1023 | State Lic #: MC-5814
$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 #: 66247 | State Lic #: MC-1825
$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 #: 541760
$1,168 /mo
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30 yr fixed mtg, 0 points | APR: 3.860% | Rate: 3.825% | Fees: $1,074 | 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 #: 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

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

$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

$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.776% | Rate: 3.750% | Fees: $795 | 45 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 #: 417490
$1,192 /mo
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30 yr fixed mtg, 0 points | APR: 3.993% | Rate: 3.990% | Fees: $85 | 30 day rate lock

NMLS #: 2925 | State Lic #: MC-1875
$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.010% | Rate: 4.000% | Fees: $299 | 45 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
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  $305,000
Down Payment $61,000$244,000
Year 1 - 1 ($1,151)$793$358$243,642
2 ($1,151)$792$359$243,283
3 ($1,151)$791$360$242,923
4 ($1,151)$789$361$242,562
5 ($1,151)$788$363$242,199
6 ($1,151)$787$364$241,835
7 ($1,151)$786$365$241,470
8 ($1,151)$785$366$241,104
9 ($1,151)$784$367$240,737
10 ($1,151)$782$368$240,369
11 ($1,151)$781$370$239,999
12 ($1,151)$780$371$239,628
Year 2 - 13 ($1,151)$779$372$239,256
14 ($1,151)$778$373$238,883
15 ($1,151)$776$375$238,508
16 ($1,151)$775$376$238,132
17 ($1,151)$774$377$237,755
18 ($1,151)$773$378$237,377
19 ($1,151)$771$379$236,998
20 ($1,151)$770$381$236,617
21 ($1,151)$769$382$236,235
22 ($1,151)$768$383$235,852
23 ($1,151)$767$384$235,468
24 ($1,151)$765$386$235,082
Year 3 - 25 ($1,151)$764$387$234,695
26 ($1,151)$763$388$234,307
27 ($1,151)$761$389$233,918
28 ($1,151)$760$391$233,527
29 ($1,151)$759$392$233,135
30 ($1,151)$758$393$232,742
31 ($1,151)$756$394$232,348
32 ($1,151)$755$396$231,952
33 ($1,151)$754$397$231,555
34 ($1,151)$753$398$231,157
35 ($1,151)$751$400$230,757
36 ($1,151)$750$401$230,356
Year 4 - 37 ($1,151)$749$402$229,954
38 ($1,151)$747$404$229,550
39 ($1,151)$746$405$229,146
40 ($1,151)$745$406$228,739
41 ($1,151)$743$407$228,332
42 ($1,151)$742$409$227,923
43 ($1,151)$741$410$227,513
44 ($1,151)$739$411$227,102
45 ($1,151)$738$413$226,689
46 ($1,151)$737$414$226,275
47 ($1,151)$735$415$225,859
48 ($1,151)$734$417$225,442
Year 5 - 49 ($1,151)$733$418$225,024
50 ($1,151)$731$420$224,605
51 ($1,151)$730$421$224,184
52 ($1,151)$729$422$223,762
53 ($1,151)$727$424$223,338
54 ($1,151)$726$425$222,913
55 ($1,151)$724$426$222,486
56 ($1,151)$723$428$222,059
57 ($1,151)$722$429$221,629
58 ($1,151)$720$431$221,199
59 ($1,151)$719$432$220,767
60 ($1,151)$717$433$220,334
Year 6 - 61 ($1,151)$716$435$219,899
62 ($1,151)$715$436$219,463
63 ($1,151)$713$438$219,025
64 ($1,151)$712$439$218,586
65 ($1,151)$710$440$218,145
66 ($1,151)$709$442$217,704
67 ($1,151)$708$443$217,260
68 ($1,151)$706$445$216,815
69 ($1,151)$705$446$216,369
70 ($1,151)$703$448$215,922
71 ($1,151)$702$449$215,472
72 ($1,151)$700$451$215,022
Year 7 - 73 ($1,151)$699$452$214,570
74 ($1,151)$697$454$214,116
75 ($1,151)$696$455$213,661
76 ($1,151)$694$456$213,205
77 ($1,151)$693$458$212,747
78 ($1,151)$691$459$212,287
79 ($1,151)$690$461$211,826
80 ($1,151)$688$462$211,364
81 ($1,151)$687$464$210,900
82 ($1,151)$685$465$210,435
83 ($1,151)$684$467$209,968
84 ($1,151)$682$468$209,499
Year 8 - 85 ($1,151)$681$470$209,029
86 ($1,151)$679$472$208,558
87 ($1,151)$678$473$208,085
88 ($1,151)$676$475$207,610
89 ($1,151)$675$476$207,134
90 ($1,151)$673$478$206,656
91 ($1,151)$672$479$206,177
92 ($1,151)$670$481$205,696
93 ($1,151)$669$482$205,214
94 ($1,151)$667$484$204,730
95 ($1,151)$665$485$204,244
96 ($1,151)$664$487$203,757
Year 9 - 97 ($1,151)$662$489$203,269
98 ($1,151)$661$490$202,778
99 ($1,151)$659$492$202,287
100 ($1,151)$657$493$201,793
101 ($1,151)$656$495$201,298
102 ($1,151)$654$497$200,801
103 ($1,151)$653$498$200,303
104 ($1,151)$651$500$199,803
105 ($1,151)$649$502$199,302
106 ($1,151)$648$503$198,799
107 ($1,151)$646$505$198,294
108 ($1,151)$644$506$197,787
Year 10 - 109 ($1,151)$643$508$197,279
110 ($1,151)$641$510$196,770
111 ($1,151)$640$511$196,258
112 ($1,151)$638$513$195,745
113 ($1,151)$636$515$195,231
114 ($1,151)$634$516$194,714
115 ($1,151)$633$518$194,196
116 ($1,151)$631$520$193,676
117 ($1,151)$629$521$193,155
118 ($1,151)$628$523$192,632
119 ($1,151)$626$525$192,107
120 ($1,151)$624$527$191,581
Year 11 - 121 ($1,151)$623$528$191,052
122 ($1,151)$621$530$190,522
123 ($1,151)$619$532$189,991
124 ($1,151)$617$533$189,457
125 ($1,151)$616$535$188,922
126 ($1,151)$614$537$188,385
127 ($1,151)$612$539$187,847
128 ($1,151)$611$540$187,306
129 ($1,151)$609$542$186,764
130 ($1,151)$607$544$186,220
131 ($1,151)$605$546$185,675
132 ($1,151)$603$547$185,127
Year 12 - 133 ($1,151)$602$549$184,578
134 ($1,151)$600$551$184,027
135 ($1,151)$598$553$183,474
136 ($1,151)$596$555$182,920
137 ($1,151)$594$556$182,363
138 ($1,151)$593$558$181,805
139 ($1,151)$591$560$181,245
140 ($1,151)$589$562$180,683
141 ($1,151)$587$564$180,120
142 ($1,151)$585$565$179,554
143 ($1,151)$584$567$178,987
144 ($1,151)$582$569$178,418
Year 13 - 145 ($1,151)$580$571$177,847
146 ($1,151)$578$573$177,274
147 ($1,151)$576$575$176,699
148 ($1,151)$574$577$176,122
149 ($1,151)$572$578$175,544
150 ($1,151)$571$580$174,964
151 ($1,151)$569$582$174,381
152 ($1,151)$567$584$173,797
153 ($1,151)$565$586$173,211
154 ($1,151)$563$588$172,623
155 ($1,151)$561$590$172,033
156 ($1,151)$559$592$171,442
Year 14 - 157 ($1,151)$557$594$170,848
158 ($1,151)$555$596$170,252
159 ($1,151)$553$598$169,655
160 ($1,151)$551$599$169,055
161 ($1,151)$549$601$168,454
162 ($1,151)$547$603$167,850
163 ($1,151)$546$605$167,245
164 ($1,151)$544$607$166,638
165 ($1,151)$542$609$166,029
166 ($1,151)$540$611$165,417
167 ($1,151)$538$613$164,804
168 ($1,151)$536$615$164,189
Year 15 - 169 ($1,151)$534$617$163,571
170 ($1,151)$532$619$162,952
171 ($1,151)$530$621$162,331
172 ($1,151)$528$623$161,708
173 ($1,151)$526$625$161,082
174 ($1,151)$524$627$160,455
175 ($1,151)$521$629$159,826
176 ($1,151)$519$631$159,194
177 ($1,151)$517$633$158,561
178 ($1,151)$515$636$157,925
179 ($1,151)$513$638$157,287
180 ($1,151)$511$640$156,648
Year 16 - 181 ($1,151)$509$642$156,006
182 ($1,151)$507$644$155,362
183 ($1,151)$505$646$154,716
184 ($1,151)$503$648$154,068
185 ($1,151)$501$650$153,418
186 ($1,151)$499$652$152,766
187 ($1,151)$496$654$152,111
188 ($1,151)$494$657$151,455
189 ($1,151)$492$659$150,796
190 ($1,151)$490$661$150,135
191 ($1,151)$488$663$149,473
192 ($1,151)$486$665$148,807
Year 17 - 193 ($1,151)$484$667$148,140
194 ($1,151)$481$669$147,471
195 ($1,151)$479$672$146,799
196 ($1,151)$477$674$146,125
197 ($1,151)$475$676$145,449
198 ($1,151)$473$678$144,771
199 ($1,151)$471$680$144,091
200 ($1,151)$468$683$143,408
201 ($1,151)$466$685$142,724
202 ($1,151)$464$687$142,037
203 ($1,151)$462$689$141,347
204 ($1,151)$459$691$140,656
Year 18 - 205 ($1,151)$457$694$139,962
206 ($1,151)$455$696$139,266
207 ($1,151)$453$698$138,568
208 ($1,151)$450$701$137,867
209 ($1,151)$448$703$137,164
210 ($1,151)$446$705$136,459
211 ($1,151)$443$707$135,752
212 ($1,151)$441$710$135,042
213 ($1,151)$439$712$134,330
214 ($1,151)$437$714$133,616
215 ($1,151)$434$717$132,899
216 ($1,151)$432$719$132,180
Year 19 - 217 ($1,151)$430$721$131,459
218 ($1,151)$427$724$130,736
219 ($1,151)$425$726$130,010
220 ($1,151)$423$728$129,281
221 ($1,151)$420$731$128,551
222 ($1,151)$418$733$127,817
223 ($1,151)$415$735$127,082
224 ($1,151)$413$738$126,344
225 ($1,151)$411$740$125,604
226 ($1,151)$408$743$124,861
227 ($1,151)$406$745$124,116
228 ($1,151)$403$747$123,369
Year 20 - 229 ($1,151)$401$750$122,619
230 ($1,151)$399$752$121,866
231 ($1,151)$396$755$121,112
232 ($1,151)$394$757$120,354
233 ($1,151)$391$760$119,595
234 ($1,151)$389$762$118,832
235 ($1,151)$386$765$118,068
236 ($1,151)$384$767$117,301
237 ($1,151)$381$770$116,531
238 ($1,151)$379$772$115,759
239 ($1,151)$376$775$114,984
240 ($1,151)$374$777$114,207
Year 21 - 241 ($1,151)$371$780$113,427
242 ($1,151)$369$782$112,645
243 ($1,151)$366$785$111,860
244 ($1,151)$364$787$111,073
245 ($1,151)$361$790$110,283
246 ($1,151)$358$792$109,491
247 ($1,151)$356$795$108,696
248 ($1,151)$353$798$107,898
249 ($1,151)$351$800$107,098
250 ($1,151)$348$803$106,295
251 ($1,151)$345$805$105,490
252 ($1,151)$343$808$104,682
Year 22 - 253 ($1,151)$340$811$103,871
254 ($1,151)$338$813$103,058
255 ($1,151)$335$816$102,242
256 ($1,151)$332$819$101,423
257 ($1,151)$330$821$100,602
258 ($1,151)$327$824$99,778
259 ($1,151)$324$827$98,951
260 ($1,151)$322$829$98,122
261 ($1,151)$319$832$97,290
262 ($1,151)$316$835$96,455
263 ($1,151)$313$837$95,618
264 ($1,151)$311$840$94,778
Year 23 - 265 ($1,151)$308$843$93,935
266 ($1,151)$305$846$93,089
267 ($1,151)$303$848$92,241
268 ($1,151)$300$851$91,390
269 ($1,151)$297$854$90,536
270 ($1,151)$294$857$89,680
271 ($1,151)$291$859$88,820
272 ($1,151)$289$862$87,958
273 ($1,151)$286$865$87,093
274 ($1,151)$283$868$86,225
275 ($1,151)$280$871$85,355
276 ($1,151)$277$873$84,481
Year 24 - 277 ($1,151)$275$876$83,605
278 ($1,151)$272$879$82,726
279 ($1,151)$269$882$81,844
280 ($1,151)$266$885$80,959
281 ($1,151)$263$888$80,071
282 ($1,151)$260$891$79,180
283 ($1,151)$257$894$78,287
284 ($1,151)$254$896$77,390
285 ($1,151)$252$899$76,491
286 ($1,151)$249$902$75,589
287 ($1,151)$246$905$74,683
288 ($1,151)$243$908$73,775
Year 25 - 289 ($1,151)$240$911$72,864
290 ($1,151)$237$914$71,950
291 ($1,151)$234$917$71,033
292 ($1,151)$231$920$70,113
293 ($1,151)$228$923$69,190
294 ($1,151)$225$926$68,264
295 ($1,151)$222$929$67,335
296 ($1,151)$219$932$66,403
297 ($1,151)$216$935$65,468
298 ($1,151)$213$938$64,530
299 ($1,151)$210$941$63,589
300 ($1,151)$207$944$62,645
Year 26 - 301 ($1,151)$204$947$61,697
302 ($1,151)$201$950$60,747
303 ($1,151)$197$953$59,794
304 ($1,151)$194$957$58,837
305 ($1,151)$191$960$57,877
306 ($1,151)$188$963$56,915
307 ($1,151)$185$966$55,949
308 ($1,151)$182$969$54,980
309 ($1,151)$179$972$54,007
310 ($1,151)$176$975$53,032
311 ($1,151)$172$979$52,054
312 ($1,151)$169$982$51,072
Year 27 - 313 ($1,151)$166$985$50,087
314 ($1,151)$163$988$49,099
315 ($1,151)$160$991$48,108
316 ($1,151)$156$995$47,113
317 ($1,151)$153$998$46,115
318 ($1,151)$150$1,001$45,114
319 ($1,151)$147$1,004$44,110
320 ($1,151)$143$1,008$43,103
321 ($1,151)$140$1,011$42,092
322 ($1,151)$137$1,014$41,078
323 ($1,151)$134$1,017$40,060
324 ($1,151)$130$1,021$39,040
Year 28 - 325 ($1,151)$127$1,024$38,016
326 ($1,151)$124$1,027$36,988
327 ($1,151)$120$1,031$35,958
328 ($1,151)$117$1,034$34,924
329 ($1,151)$114$1,037$33,886
330 ($1,151)$110$1,041$32,846
331 ($1,151)$107$1,044$31,801
332 ($1,151)$103$1,048$30,754
333 ($1,151)$100$1,051$29,703
334 ($1,151)$97$1,054$28,649
335 ($1,151)$93$1,058$27,591
336 ($1,151)$90$1,061$26,530
Year 29 - 337 ($1,151)$86$1,065$25,465
338 ($1,151)$83$1,068$24,397
339 ($1,151)$79$1,072$23,325
340 ($1,151)$76$1,075$22,250
341 ($1,151)$72$1,079$21,172
342 ($1,151)$69$1,082$20,090
343 ($1,151)$65$1,086$19,004
344 ($1,151)$62$1,089$17,915
345 ($1,151)$58$1,093$16,822
346 ($1,151)$55$1,096$15,726
347 ($1,151)$51$1,100$14,626
348 ($1,151)$48$1,103$13,523
Year 30 - 349 ($1,151)$44$1,107$12,416
350 ($1,151)$40$1,111$11,306
351 ($1,151)$37$1,114$10,192
352 ($1,151)$33$1,118$9,074
353 ($1,151)$29$1,121$7,952
354 ($1,151)$26$1,125$6,827
355 ($1,151)$22$1,129$5,699
356 ($1,151)$19$1,132$4,566
357 ($1,151)$15$1,136$3,430
358 ($1,151)$11$1,140$2,291
359 ($1,151)$7$1,143$1,147
360 ($1,151)$4$1,147$0
TOTALS$170,313$244,000$414,313

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.