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Mortgage Payment Schedule for a $312,000 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% ($62,400) 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
$1,182 360 $175,768 $425,368

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  $312,000
Down Payment $62,400$249,600
Year 1 - 1 ($1,182)$817$364$249,236
2 ($1,182)$816$365$248,871
3 ($1,182)$815$367$248,504
4 ($1,182)$814$368$248,136
5 ($1,182)$813$369$247,767
6 ($1,182)$811$370$247,397
7 ($1,182)$810$371$247,026
8 ($1,182)$809$373$246,653
9 ($1,182)$808$374$246,279
10 ($1,182)$807$375$245,904
11 ($1,182)$805$376$245,528
12 ($1,182)$804$377$245,151
Year 2 - 13 ($1,182)$803$379$244,772
14 ($1,182)$802$380$244,392
15 ($1,182)$800$381$244,011
16 ($1,182)$799$382$243,628
17 ($1,182)$798$384$243,245
18 ($1,182)$797$385$242,860
19 ($1,182)$795$386$242,474
20 ($1,182)$794$387$242,086
21 ($1,182)$793$389$241,697
22 ($1,182)$792$390$241,307
23 ($1,182)$790$391$240,916
24 ($1,182)$789$393$240,524
Year 3 - 25 ($1,182)$788$394$240,130
26 ($1,182)$786$395$239,734
27 ($1,182)$785$396$239,338
28 ($1,182)$784$398$238,940
29 ($1,182)$783$399$238,541
30 ($1,182)$781$400$238,141
31 ($1,182)$780$402$237,739
32 ($1,182)$779$403$237,336
33 ($1,182)$777$404$236,932
34 ($1,182)$776$406$236,526
35 ($1,182)$775$407$236,119
36 ($1,182)$773$408$235,711
Year 4 - 37 ($1,182)$772$410$235,301
38 ($1,182)$771$411$234,890
39 ($1,182)$769$412$234,478
40 ($1,182)$768$414$234,065
41 ($1,182)$767$415$233,649
42 ($1,182)$765$416$233,233
43 ($1,182)$764$418$232,815
44 ($1,182)$762$419$232,396
45 ($1,182)$761$420$231,976
46 ($1,182)$760$422$231,554
47 ($1,182)$758$423$231,131
48 ($1,182)$757$425$230,706
Year 5 - 49 ($1,182)$756$426$230,280
50 ($1,182)$754$427$229,853
51 ($1,182)$753$429$229,424
52 ($1,182)$751$430$228,994
53 ($1,182)$750$432$228,562
54 ($1,182)$749$433$228,129
55 ($1,182)$747$434$227,695
56 ($1,182)$746$436$227,259
57 ($1,182)$744$437$226,821
58 ($1,182)$743$439$226,383
59 ($1,182)$741$440$225,942
60 ($1,182)$740$442$225,501
Year 6 - 61 ($1,182)$739$443$225,058
62 ($1,182)$737$445$224,613
63 ($1,182)$736$446$224,167
64 ($1,182)$734$447$223,720
65 ($1,182)$733$449$223,271
66 ($1,182)$731$450$222,821
67 ($1,182)$730$452$222,369
68 ($1,182)$728$453$221,915
69 ($1,182)$727$455$221,461
70 ($1,182)$725$456$221,004
71 ($1,182)$724$458$220,547
72 ($1,182)$722$459$220,087
Year 7 - 73 ($1,182)$721$461$219,626
74 ($1,182)$719$462$219,164
75 ($1,182)$718$464$218,700
76 ($1,182)$716$465$218,235
77 ($1,182)$715$467$217,768
78 ($1,182)$713$468$217,300
79 ($1,182)$712$470$216,830
80 ($1,182)$710$471$216,358
81 ($1,182)$709$473$215,885
82 ($1,182)$707$475$215,411
83 ($1,182)$705$476$214,935
84 ($1,182)$704$478$214,457
Year 8 - 85 ($1,182)$702$479$213,978
86 ($1,182)$701$481$213,497
87 ($1,182)$699$482$213,015
88 ($1,182)$698$484$212,531
89 ($1,182)$696$486$212,045
90 ($1,182)$694$487$211,558
91 ($1,182)$693$489$211,069
92 ($1,182)$691$490$210,579
93 ($1,182)$690$492$210,087
94 ($1,182)$688$494$209,593
95 ($1,182)$686$495$209,098
96 ($1,182)$685$497$208,602
Year 9 - 97 ($1,182)$683$498$208,103
98 ($1,182)$682$500$207,603
99 ($1,182)$680$502$207,101
100 ($1,182)$678$503$206,598
101 ($1,182)$677$505$206,093
102 ($1,182)$675$507$205,586
103 ($1,182)$673$508$205,078
104 ($1,182)$672$510$204,568
105 ($1,182)$670$512$204,057
106 ($1,182)$668$513$203,543
107 ($1,182)$667$515$203,028
108 ($1,182)$665$517$202,512
Year 10 - 109 ($1,182)$663$518$201,993
110 ($1,182)$662$520$201,473
111 ($1,182)$660$522$200,952
112 ($1,182)$658$523$200,428
113 ($1,182)$656$525$199,903
114 ($1,182)$655$527$199,376
115 ($1,182)$653$529$198,847
116 ($1,182)$651$530$198,317
117 ($1,182)$649$532$197,785
118 ($1,182)$648$534$197,251
119 ($1,182)$646$536$196,716
120 ($1,182)$644$537$196,178
Year 11 - 121 ($1,182)$642$539$195,639
122 ($1,182)$641$541$195,098
123 ($1,182)$639$543$194,556
124 ($1,182)$637$544$194,011
125 ($1,182)$635$546$193,465
126 ($1,182)$634$548$192,917
127 ($1,182)$632$550$192,367
128 ($1,182)$630$552$191,816
129 ($1,182)$628$553$191,262
130 ($1,182)$626$555$190,707
131 ($1,182)$625$557$190,150
132 ($1,182)$623$559$189,591
Year 12 - 133 ($1,182)$621$561$189,031
134 ($1,182)$619$563$188,468
135 ($1,182)$617$564$187,904
136 ($1,182)$615$566$187,338
137 ($1,182)$614$568$186,770
138 ($1,182)$612$570$186,200
139 ($1,182)$610$572$185,628
140 ($1,182)$608$574$185,054
141 ($1,182)$606$576$184,479
142 ($1,182)$604$577$183,901
143 ($1,182)$602$579$183,322
144 ($1,182)$600$581$182,741
Year 13 - 145 ($1,182)$598$583$182,158
146 ($1,182)$597$585$181,573
147 ($1,182)$595$587$180,986
148 ($1,182)$593$589$180,397
149 ($1,182)$591$591$179,806
150 ($1,182)$589$593$179,213
151 ($1,182)$587$595$178,619
152 ($1,182)$585$597$178,022
153 ($1,182)$583$599$177,424
154 ($1,182)$581$601$176,823
155 ($1,182)$579$602$176,221
156 ($1,182)$577$604$175,616
Year 14 - 157 ($1,182)$575$606$175,010
158 ($1,182)$573$608$174,401
159 ($1,182)$571$610$173,791
160 ($1,182)$569$612$173,178
161 ($1,182)$567$614$172,564
162 ($1,182)$565$616$171,948
163 ($1,182)$563$618$171,329
164 ($1,182)$561$620$170,709
165 ($1,182)$559$623$170,086
166 ($1,182)$557$625$169,462
167 ($1,182)$555$627$168,835
168 ($1,182)$553$629$168,206
Year 15 - 169 ($1,182)$551$631$167,576
170 ($1,182)$549$633$166,943
171 ($1,182)$547$635$166,308
172 ($1,182)$545$637$165,671
173 ($1,182)$543$639$165,032
174 ($1,182)$540$641$164,391
175 ($1,182)$538$643$163,748
176 ($1,182)$536$645$163,103
177 ($1,182)$534$647$162,455
178 ($1,182)$532$650$161,806
179 ($1,182)$530$652$161,154
180 ($1,182)$528$654$160,500
Year 16 - 181 ($1,182)$526$656$159,844
182 ($1,182)$523$658$159,186
183 ($1,182)$521$660$158,526
184 ($1,182)$519$662$157,863
185 ($1,182)$517$665$157,199
186 ($1,182)$515$667$156,532
187 ($1,182)$513$669$155,863
188 ($1,182)$510$671$155,192
189 ($1,182)$508$673$154,519
190 ($1,182)$506$676$153,843
191 ($1,182)$504$678$153,165
192 ($1,182)$502$680$152,486
Year 17 - 193 ($1,182)$499$682$151,803
194 ($1,182)$497$684$151,119
195 ($1,182)$495$687$150,432
196 ($1,182)$493$689$149,743
197 ($1,182)$490$691$149,052
198 ($1,182)$488$693$148,359
199 ($1,182)$486$696$147,663
200 ($1,182)$484$698$146,965
201 ($1,182)$481$700$146,265
202 ($1,182)$479$703$145,562
203 ($1,182)$477$705$144,857
204 ($1,182)$474$707$144,150
Year 18 - 205 ($1,182)$472$709$143,441
206 ($1,182)$470$712$142,729
207 ($1,182)$467$714$142,015
208 ($1,182)$465$716$141,298
209 ($1,182)$463$719$140,579
210 ($1,182)$460$721$139,858
211 ($1,182)$458$724$139,135
212 ($1,182)$456$726$138,409
213 ($1,182)$453$728$137,681
214 ($1,182)$451$731$136,950
215 ($1,182)$449$733$136,217
216 ($1,182)$446$735$135,481
Year 19 - 217 ($1,182)$444$738$134,743
218 ($1,182)$441$740$134,003
219 ($1,182)$439$743$133,260
220 ($1,182)$436$745$132,515
221 ($1,182)$434$748$131,768
222 ($1,182)$432$750$131,018
223 ($1,182)$429$752$130,265
224 ($1,182)$427$755$129,510
225 ($1,182)$424$757$128,753
226 ($1,182)$422$760$127,993
227 ($1,182)$419$762$127,230
228 ($1,182)$417$765$126,466
Year 20 - 229 ($1,182)$414$767$125,698
230 ($1,182)$412$770$124,928
231 ($1,182)$409$772$124,156
232 ($1,182)$407$775$123,381
233 ($1,182)$404$778$122,603
234 ($1,182)$402$780$121,823
235 ($1,182)$399$783$121,041
236 ($1,182)$396$785$120,255
237 ($1,182)$394$788$119,468
238 ($1,182)$391$790$118,677
239 ($1,182)$389$793$117,885
240 ($1,182)$386$796$117,089
Year 21 - 241 ($1,182)$383$798$116,291
242 ($1,182)$381$801$115,490
243 ($1,182)$378$803$114,687
244 ($1,182)$376$806$113,881
245 ($1,182)$373$809$113,072
246 ($1,182)$370$811$112,261
247 ($1,182)$368$814$111,447
248 ($1,182)$365$817$110,630
249 ($1,182)$362$819$109,811
250 ($1,182)$360$822$108,989
251 ($1,182)$357$825$108,165
252 ($1,182)$354$827$107,337
Year 22 - 253 ($1,182)$352$830$106,507
254 ($1,182)$349$833$105,674
255 ($1,182)$346$835$104,839
256 ($1,182)$343$838$104,001
257 ($1,182)$341$841$103,160
258 ($1,182)$338$844$102,316
259 ($1,182)$335$846$101,470
260 ($1,182)$332$849$100,620
261 ($1,182)$330$852$99,768
262 ($1,182)$327$855$98,913
263 ($1,182)$324$858$98,056
264 ($1,182)$321$860$97,195
Year 23 - 265 ($1,182)$318$863$96,332
266 ($1,182)$315$866$95,466
267 ($1,182)$313$869$94,597
268 ($1,182)$310$872$93,725
269 ($1,182)$307$875$92,851
270 ($1,182)$304$877$91,973
271 ($1,182)$301$880$91,093
272 ($1,182)$298$883$90,210
273 ($1,182)$295$886$89,323
274 ($1,182)$293$889$88,434
275 ($1,182)$290$892$87,542
276 ($1,182)$287$895$86,647
Year 24 - 277 ($1,182)$284$898$85,750
278 ($1,182)$281$901$84,849
279 ($1,182)$278$904$83,945
280 ($1,182)$275$907$83,039
281 ($1,182)$272$910$82,129
282 ($1,182)$269$913$81,216
283 ($1,182)$266$916$80,301
284 ($1,182)$263$919$79,382
285 ($1,182)$260$922$78,461
286 ($1,182)$257$925$77,536
287 ($1,182)$254$928$76,608
288 ($1,182)$251$931$75,678
Year 25 - 289 ($1,182)$248$934$74,744
290 ($1,182)$245$937$73,807
291 ($1,182)$242$940$72,867
292 ($1,182)$239$943$71,924
293 ($1,182)$236$946$70,978
294 ($1,182)$232$949$70,029
295 ($1,182)$229$952$69,077
296 ($1,182)$226$955$68,122
297 ($1,182)$223$958$67,163
298 ($1,182)$220$962$66,201
299 ($1,182)$217$965$65,237
300 ($1,182)$214$968$64,269
Year 26 - 301 ($1,182)$210$971$63,298
302 ($1,182)$207$974$62,323
303 ($1,182)$204$977$61,346
304 ($1,182)$201$981$60,365
305 ($1,182)$198$984$59,381
306 ($1,182)$194$987$58,394
307 ($1,182)$191$990$57,404
308 ($1,182)$188$994$56,410
309 ($1,182)$185$997$55,414
310 ($1,182)$181$1,000$54,413
311 ($1,182)$178$1,003$53,410
312 ($1,182)$175$1,007$52,403
Year 27 - 313 ($1,182)$172$1,010$51,393
314 ($1,182)$168$1,013$50,380
315 ($1,182)$165$1,017$49,364
316 ($1,182)$162$1,020$48,344
317 ($1,182)$158$1,023$47,320
318 ($1,182)$155$1,027$46,294
319 ($1,182)$152$1,030$45,264
320 ($1,182)$148$1,033$44,230
321 ($1,182)$145$1,037$43,194
322 ($1,182)$141$1,040$42,154
323 ($1,182)$138$1,044$41,110
324 ($1,182)$135$1,047$40,063
Year 28 - 325 ($1,182)$131$1,050$39,013
326 ($1,182)$128$1,054$37,959
327 ($1,182)$124$1,057$36,902
328 ($1,182)$121$1,061$35,841
329 ($1,182)$117$1,064$34,777
330 ($1,182)$114$1,068$33,709
331 ($1,182)$110$1,071$32,638
332 ($1,182)$107$1,075$31,563
333 ($1,182)$103$1,078$30,485
334 ($1,182)$100$1,082$29,403
335 ($1,182)$96$1,085$28,318
336 ($1,182)$93$1,089$27,229
Year 29 - 337 ($1,182)$89$1,092$26,137
338 ($1,182)$86$1,096$25,041
339 ($1,182)$82$1,100$23,941
340 ($1,182)$78$1,103$22,838
341 ($1,182)$75$1,107$21,731
342 ($1,182)$71$1,110$20,621
343 ($1,182)$68$1,114$19,507
344 ($1,182)$64$1,118$18,389
345 ($1,182)$60$1,121$17,268
346 ($1,182)$57$1,125$16,143
347 ($1,182)$53$1,129$15,014
348 ($1,182)$49$1,132$13,882
Year 30 - 349 ($1,182)$45$1,136$12,746
350 ($1,182)$42$1,140$11,606
351 ($1,182)$38$1,144$10,462
352 ($1,182)$34$1,147$9,315
353 ($1,182)$31$1,151$8,164
354 ($1,182)$27$1,155$7,009
355 ($1,182)$23$1,159$5,850
356 ($1,182)$19$1,162$4,688
357 ($1,182)$15$1,166$3,522
358 ($1,182)$12$1,170$2,352
359 ($1,182)$8$1,174$1,178
360 ($1,182)$4$1,178$0
TOTALS$175,768$249,600$425,368

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.