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Mortgage Payment Schedule for a $314,000 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% ($62,800) 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
$1,189 360 $176,895 $428,095

Mortgage Providers

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


NMLS #: 3294 | State Lic #: MC-1971
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.656% | Rate: 3.625% | Fees: $950 | 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 #: 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 #: 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 #: 35959 | State Lic #: MC-2967
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.125% | Rate: 4.125% | Fees: $0 | 30 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

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
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.907% | Rate: 3.875% | Fees: $967 | 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

$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
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  $314,000
Down Payment $62,800$251,200
Year 1 - 1 ($1,189)$823$366$250,834
2 ($1,189)$821$368$250,466
3 ($1,189)$820$369$250,097
4 ($1,189)$819$370$249,727
5 ($1,189)$818$371$249,356
6 ($1,189)$817$373$248,983
7 ($1,189)$815$374$248,609
8 ($1,189)$814$375$248,234
9 ($1,189)$813$376$247,858
10 ($1,189)$812$377$247,481
11 ($1,189)$810$379$247,102
12 ($1,189)$809$380$246,722
Year 2 - 13 ($1,189)$808$381$246,341
14 ($1,189)$807$382$245,959
15 ($1,189)$806$384$245,575
16 ($1,189)$804$385$245,190
17 ($1,189)$803$386$244,804
18 ($1,189)$802$387$244,417
19 ($1,189)$800$389$244,028
20 ($1,189)$799$390$243,638
21 ($1,189)$798$391$243,247
22 ($1,189)$797$393$242,854
23 ($1,189)$795$394$242,460
24 ($1,189)$794$395$242,065
Year 3 - 25 ($1,189)$793$396$241,669
26 ($1,189)$791$398$241,271
27 ($1,189)$790$399$240,872
28 ($1,189)$789$400$240,472
29 ($1,189)$788$402$240,070
30 ($1,189)$786$403$239,667
31 ($1,189)$785$404$239,263
32 ($1,189)$784$406$238,858
33 ($1,189)$782$407$238,451
34 ($1,189)$781$408$238,043
35 ($1,189)$780$410$237,633
36 ($1,189)$778$411$237,222
Year 4 - 37 ($1,189)$777$412$236,810
38 ($1,189)$776$414$236,396
39 ($1,189)$774$415$235,981
40 ($1,189)$773$416$235,565
41 ($1,189)$771$418$235,147
42 ($1,189)$770$419$234,728
43 ($1,189)$769$420$234,308
44 ($1,189)$767$422$233,886
45 ($1,189)$766$423$233,463
46 ($1,189)$765$425$233,038
47 ($1,189)$763$426$232,612
48 ($1,189)$762$427$232,185
Year 5 - 49 ($1,189)$760$429$231,756
50 ($1,189)$759$430$231,326
51 ($1,189)$758$432$230,895
52 ($1,189)$756$433$230,462
53 ($1,189)$755$434$230,027
54 ($1,189)$753$436$229,591
55 ($1,189)$752$437$229,154
56 ($1,189)$750$439$228,715
57 ($1,189)$749$440$228,275
58 ($1,189)$748$442$227,834
59 ($1,189)$746$443$227,391
60 ($1,189)$745$444$226,946
Year 6 - 61 ($1,189)$743$446$226,500
62 ($1,189)$742$447$226,053
63 ($1,189)$740$449$225,604
64 ($1,189)$739$450$225,154
65 ($1,189)$737$452$224,702
66 ($1,189)$736$453$224,249
67 ($1,189)$734$455$223,794
68 ($1,189)$733$456$223,338
69 ($1,189)$731$458$222,880
70 ($1,189)$730$459$222,421
71 ($1,189)$728$461$221,960
72 ($1,189)$727$462$221,498
Year 7 - 73 ($1,189)$725$464$221,034
74 ($1,189)$724$465$220,569
75 ($1,189)$722$467$220,102
76 ($1,189)$721$468$219,634
77 ($1,189)$719$470$219,164
78 ($1,189)$718$471$218,693
79 ($1,189)$716$473$218,220
80 ($1,189)$715$474$217,745
81 ($1,189)$713$476$217,269
82 ($1,189)$712$478$216,792
83 ($1,189)$710$479$216,312
84 ($1,189)$708$481$215,832
Year 8 - 85 ($1,189)$707$482$215,349
86 ($1,189)$705$484$214,866
87 ($1,189)$704$485$214,380
88 ($1,189)$702$487$213,893
89 ($1,189)$700$489$213,404
90 ($1,189)$699$490$212,914
91 ($1,189)$697$492$212,422
92 ($1,189)$696$493$211,929
93 ($1,189)$694$495$211,434
94 ($1,189)$692$497$210,937
95 ($1,189)$691$498$210,439
96 ($1,189)$689$500$209,939
Year 9 - 97 ($1,189)$688$502$209,437
98 ($1,189)$686$503$208,934
99 ($1,189)$684$505$208,429
100 ($1,189)$683$507$207,922
101 ($1,189)$681$508$207,414
102 ($1,189)$679$510$206,904
103 ($1,189)$678$512$206,393
104 ($1,189)$676$513$205,880
105 ($1,189)$674$515$205,365
106 ($1,189)$673$517$204,848
107 ($1,189)$671$518$204,330
108 ($1,189)$669$520$203,810
Year 10 - 109 ($1,189)$667$522$203,288
110 ($1,189)$666$523$202,765
111 ($1,189)$664$525$202,240
112 ($1,189)$662$527$201,713
113 ($1,189)$661$529$201,184
114 ($1,189)$659$530$200,654
115 ($1,189)$657$532$200,122
116 ($1,189)$655$534$199,588
117 ($1,189)$654$536$199,053
118 ($1,189)$652$537$198,516
119 ($1,189)$650$539$197,977
120 ($1,189)$648$541$197,436
Year 11 - 121 ($1,189)$647$543$196,893
122 ($1,189)$645$544$196,349
123 ($1,189)$643$546$195,803
124 ($1,189)$641$548$195,255
125 ($1,189)$639$550$194,705
126 ($1,189)$638$551$194,154
127 ($1,189)$636$553$193,600
128 ($1,189)$634$555$193,045
129 ($1,189)$632$557$192,488
130 ($1,189)$630$559$191,930
131 ($1,189)$629$561$191,369
132 ($1,189)$627$562$190,807
Year 12 - 133 ($1,189)$625$564$190,242
134 ($1,189)$623$566$189,676
135 ($1,189)$621$568$189,108
136 ($1,189)$619$570$188,538
137 ($1,189)$617$572$187,967
138 ($1,189)$616$574$187,393
139 ($1,189)$614$575$186,818
140 ($1,189)$612$577$186,240
141 ($1,189)$610$579$185,661
142 ($1,189)$608$581$185,080
143 ($1,189)$606$583$184,497
144 ($1,189)$604$585$183,912
Year 13 - 145 ($1,189)$602$587$183,325
146 ($1,189)$600$589$182,737
147 ($1,189)$598$591$182,146
148 ($1,189)$597$593$181,553
149 ($1,189)$595$595$180,959
150 ($1,189)$593$597$180,362
151 ($1,189)$591$598$179,764
152 ($1,189)$589$600$179,163
153 ($1,189)$587$602$178,561
154 ($1,189)$585$604$177,957
155 ($1,189)$583$606$177,350
156 ($1,189)$581$608$176,742
Year 14 - 157 ($1,189)$579$610$176,132
158 ($1,189)$577$612$175,519
159 ($1,189)$575$614$174,905
160 ($1,189)$573$616$174,289
161 ($1,189)$571$618$173,670
162 ($1,189)$569$620$173,050
163 ($1,189)$567$622$172,427
164 ($1,189)$565$624$171,803
165 ($1,189)$563$626$171,176
166 ($1,189)$561$629$170,548
167 ($1,189)$559$631$169,917
168 ($1,189)$556$633$169,285
Year 15 - 169 ($1,189)$554$635$168,650
170 ($1,189)$552$637$168,013
171 ($1,189)$550$639$167,374
172 ($1,189)$548$641$166,733
173 ($1,189)$546$643$166,090
174 ($1,189)$544$645$165,445
175 ($1,189)$542$647$164,798
176 ($1,189)$540$649$164,148
177 ($1,189)$538$652$163,497
178 ($1,189)$535$654$162,843
179 ($1,189)$533$656$162,187
180 ($1,189)$531$658$161,529
Year 16 - 181 ($1,189)$529$660$160,869
182 ($1,189)$527$662$160,207
183 ($1,189)$525$664$159,542
184 ($1,189)$523$667$158,875
185 ($1,189)$520$669$158,207
186 ($1,189)$518$671$157,536
187 ($1,189)$516$673$156,862
188 ($1,189)$514$675$156,187
189 ($1,189)$512$678$155,509
190 ($1,189)$509$680$154,829
191 ($1,189)$507$682$154,147
192 ($1,189)$505$684$153,463
Year 17 - 193 ($1,189)$503$687$152,776
194 ($1,189)$500$689$152,088
195 ($1,189)$498$691$151,397
196 ($1,189)$496$693$150,703
197 ($1,189)$494$696$150,008
198 ($1,189)$491$698$149,310
199 ($1,189)$489$700$148,610
200 ($1,189)$487$702$147,907
201 ($1,189)$484$705$147,202
202 ($1,189)$482$707$146,495
203 ($1,189)$480$709$145,786
204 ($1,189)$477$712$145,074
Year 18 - 205 ($1,189)$475$714$144,360
206 ($1,189)$473$716$143,644
207 ($1,189)$470$719$142,925
208 ($1,189)$468$721$142,204
209 ($1,189)$466$723$141,481
210 ($1,189)$463$726$140,755
211 ($1,189)$461$728$140,027
212 ($1,189)$459$731$139,296
213 ($1,189)$456$733$138,563
214 ($1,189)$454$735$137,828
215 ($1,189)$451$738$137,090
216 ($1,189)$449$740$136,350
Year 19 - 217 ($1,189)$447$743$135,607
218 ($1,189)$444$745$134,862
219 ($1,189)$442$747$134,115
220 ($1,189)$439$750$133,365
221 ($1,189)$437$752$132,612
222 ($1,189)$434$755$131,857
223 ($1,189)$432$757$131,100
224 ($1,189)$429$760$130,340
225 ($1,189)$427$762$129,578
226 ($1,189)$424$765$128,813
227 ($1,189)$422$767$128,046
228 ($1,189)$419$770$127,276
Year 20 - 229 ($1,189)$417$772$126,504
230 ($1,189)$414$775$125,729
231 ($1,189)$412$777$124,952
232 ($1,189)$409$780$124,172
233 ($1,189)$407$782$123,389
234 ($1,189)$404$785$122,604
235 ($1,189)$402$788$121,817
236 ($1,189)$399$790$121,026
237 ($1,189)$396$793$120,234
238 ($1,189)$394$795$119,438
239 ($1,189)$391$798$118,640
240 ($1,189)$389$801$117,840
Year 21 - 241 ($1,189)$386$803$117,036
242 ($1,189)$383$806$116,230
243 ($1,189)$381$808$115,422
244 ($1,189)$378$811$114,611
245 ($1,189)$375$814$113,797
246 ($1,189)$373$816$112,981
247 ($1,189)$370$819$112,161
248 ($1,189)$367$822$111,340
249 ($1,189)$365$825$110,515
250 ($1,189)$362$827$109,688
251 ($1,189)$359$830$108,858
252 ($1,189)$357$833$108,025
Year 22 - 253 ($1,189)$354$835$107,190
254 ($1,189)$351$838$106,352
255 ($1,189)$348$841$105,511
256 ($1,189)$346$844$104,667
257 ($1,189)$343$846$103,821
258 ($1,189)$340$849$102,972
259 ($1,189)$337$852$102,120
260 ($1,189)$334$855$101,265
261 ($1,189)$332$858$100,408
262 ($1,189)$329$860$99,547
263 ($1,189)$326$863$98,684
264 ($1,189)$323$866$97,818
Year 23 - 265 ($1,189)$320$869$96,950
266 ($1,189)$318$872$96,078
267 ($1,189)$315$874$95,203
268 ($1,189)$312$877$94,326
269 ($1,189)$309$880$93,446
270 ($1,189)$306$883$92,563
271 ($1,189)$303$886$91,677
272 ($1,189)$300$889$90,788
273 ($1,189)$297$892$89,896
274 ($1,189)$294$895$89,001
275 ($1,189)$291$898$88,104
276 ($1,189)$289$901$87,203
Year 24 - 277 ($1,189)$286$904$86,299
278 ($1,189)$283$907$85,393
279 ($1,189)$280$909$84,483
280 ($1,189)$277$912$83,571
281 ($1,189)$274$915$82,655
282 ($1,189)$271$918$81,737
283 ($1,189)$268$921$80,815
284 ($1,189)$265$924$79,891
285 ($1,189)$262$928$78,964
286 ($1,189)$259$931$78,033
287 ($1,189)$256$934$77,099
288 ($1,189)$253$937$76,163
Year 25 - 289 ($1,189)$249$940$75,223
290 ($1,189)$246$943$74,280
291 ($1,189)$243$946$73,334
292 ($1,189)$240$949$72,385
293 ($1,189)$237$952$71,433
294 ($1,189)$234$955$70,478
295 ($1,189)$231$958$69,520
296 ($1,189)$228$961$68,558
297 ($1,189)$225$965$67,594
298 ($1,189)$221$968$66,626
299 ($1,189)$218$971$65,655
300 ($1,189)$215$974$64,681
Year 26 - 301 ($1,189)$212$977$63,703
302 ($1,189)$209$981$62,723
303 ($1,189)$205$984$61,739
304 ($1,189)$202$987$60,752
305 ($1,189)$199$990$59,762
306 ($1,189)$196$993$58,769
307 ($1,189)$192$997$57,772
308 ($1,189)$189$1,000$56,772
309 ($1,189)$186$1,003$55,769
310 ($1,189)$183$1,007$54,762
311 ($1,189)$179$1,010$53,752
312 ($1,189)$176$1,013$52,739
Year 27 - 313 ($1,189)$173$1,016$51,723
314 ($1,189)$169$1,020$50,703
315 ($1,189)$166$1,023$49,680
316 ($1,189)$163$1,026$48,654
317 ($1,189)$159$1,030$47,624
318 ($1,189)$156$1,033$46,591
319 ($1,189)$153$1,037$45,554
320 ($1,189)$149$1,040$44,514
321 ($1,189)$146$1,043$43,471
322 ($1,189)$142$1,047$42,424
323 ($1,189)$139$1,050$41,374
324 ($1,189)$135$1,054$40,320
Year 28 - 325 ($1,189)$132$1,057$39,263
326 ($1,189)$129$1,061$38,202
327 ($1,189)$125$1,064$37,138
328 ($1,189)$122$1,068$36,071
329 ($1,189)$118$1,071$35,000
330 ($1,189)$115$1,075$33,925
331 ($1,189)$111$1,078$32,847
332 ($1,189)$108$1,082$31,766
333 ($1,189)$104$1,085$30,680
334 ($1,189)$100$1,089$29,592
335 ($1,189)$97$1,092$28,500
336 ($1,189)$93$1,096$27,404
Year 29 - 337 ($1,189)$90$1,099$26,304
338 ($1,189)$86$1,103$25,201
339 ($1,189)$83$1,107$24,095
340 ($1,189)$79$1,110$22,984
341 ($1,189)$75$1,114$21,871
342 ($1,189)$72$1,118$20,753
343 ($1,189)$68$1,121$19,632
344 ($1,189)$64$1,125$18,507
345 ($1,189)$61$1,129$17,378
346 ($1,189)$57$1,132$16,246
347 ($1,189)$53$1,136$15,110
348 ($1,189)$49$1,140$13,971
Year 30 - 349 ($1,189)$46$1,143$12,827
350 ($1,189)$42$1,147$11,680
351 ($1,189)$38$1,151$10,529
352 ($1,189)$34$1,155$9,375
353 ($1,189)$31$1,158$8,216
354 ($1,189)$27$1,162$7,054
355 ($1,189)$23$1,166$5,888
356 ($1,189)$19$1,170$4,718
357 ($1,189)$15$1,174$3,544
358 ($1,189)$12$1,178$2,367
359 ($1,189)$8$1,181$1,185
360 ($1,189)$4$1,185$0
TOTALS$176,895$251,200$428,095

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.