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Mortgage Payment Schedule for a $316,000 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 16, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($63,200) may require pre-mortgage insurance


3.95% is current rate for 30-year fixed
3.31% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,200 360 $179,067 $431,867

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,186 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 #: 2890 | State Lic #: MC-3098
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.751% | Rate: 3.750% | Fees: $23 | 30 day rate lock

NMLS #: 66247 | State Lic #: MC-1825
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.764% | Rate: 3.750% | Fees: $442 | 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

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 #: 258821
$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: 3.997% | Rate: 3.990% | Fees: $210 | 30 day rate lock

NMLS #: 35959 | State Lic #: MC-2967
$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 #: 227765 | State Lic #: MC-5920
$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 #: 181005
$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

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

$1,248 /mo
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30 yr fixed mtg, 0 points | APR: 4.374% | Rate: 4.374% | 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

$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.758% | Rate: 3.750% | Fees: $259 | 30 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  $316,000
Down Payment $63,200$252,800
Year 1 - 1 ($1,200)$832$367$252,433
2 ($1,200)$831$369$252,064
3 ($1,200)$830$370$251,694
4 ($1,200)$828$371$251,323
5 ($1,200)$827$372$250,950
6 ($1,200)$826$374$250,577
7 ($1,200)$825$375$250,202
8 ($1,200)$824$376$249,826
9 ($1,200)$822$377$249,449
10 ($1,200)$821$379$249,070
11 ($1,200)$820$380$248,690
12 ($1,200)$819$381$248,309
Year 2 - 13 ($1,200)$817$382$247,927
14 ($1,200)$816$384$247,544
15 ($1,200)$815$385$247,159
16 ($1,200)$814$386$246,773
17 ($1,200)$812$387$246,385
18 ($1,200)$811$389$245,997
19 ($1,200)$810$390$245,607
20 ($1,200)$808$391$245,216
21 ($1,200)$807$392$244,823
22 ($1,200)$806$394$244,429
23 ($1,200)$805$395$244,034
24 ($1,200)$803$396$243,638
Year 3 - 25 ($1,200)$802$398$243,240
26 ($1,200)$801$399$242,841
27 ($1,200)$799$400$242,441
28 ($1,200)$798$402$242,040
29 ($1,200)$797$403$241,637
30 ($1,200)$795$404$241,232
31 ($1,200)$794$406$240,827
32 ($1,200)$793$407$240,420
33 ($1,200)$791$408$240,012
34 ($1,200)$790$410$239,602
35 ($1,200)$789$411$239,191
36 ($1,200)$787$412$238,779
Year 4 - 37 ($1,200)$786$414$238,365
38 ($1,200)$785$415$237,950
39 ($1,200)$783$416$237,534
40 ($1,200)$782$418$237,116
41 ($1,200)$781$419$236,697
42 ($1,200)$779$421$236,276
43 ($1,200)$778$422$235,854
44 ($1,200)$776$423$235,431
45 ($1,200)$775$425$235,007
46 ($1,200)$774$426$234,580
47 ($1,200)$772$427$234,153
48 ($1,200)$771$429$233,724
Year 5 - 49 ($1,200)$769$430$233,294
50 ($1,200)$768$432$232,862
51 ($1,200)$767$433$232,429
52 ($1,200)$765$435$231,994
53 ($1,200)$764$436$231,558
54 ($1,200)$762$437$231,121
55 ($1,200)$761$439$230,682
56 ($1,200)$759$440$230,242
57 ($1,200)$758$442$229,800
58 ($1,200)$756$443$229,357
59 ($1,200)$755$445$228,912
60 ($1,200)$754$446$228,466
Year 6 - 61 ($1,200)$752$448$228,019
62 ($1,200)$751$449$227,570
63 ($1,200)$749$451$227,119
64 ($1,200)$748$452$226,667
65 ($1,200)$746$454$226,213
66 ($1,200)$745$455$225,758
67 ($1,200)$743$457$225,302
68 ($1,200)$742$458$224,844
69 ($1,200)$740$460$224,384
70 ($1,200)$739$461$223,923
71 ($1,200)$737$463$223,461
72 ($1,200)$736$464$222,997
Year 7 - 73 ($1,200)$734$466$222,531
74 ($1,200)$732$467$222,064
75 ($1,200)$731$469$221,595
76 ($1,200)$729$470$221,125
77 ($1,200)$728$472$220,653
78 ($1,200)$726$473$220,180
79 ($1,200)$725$475$219,705
80 ($1,200)$723$476$219,229
81 ($1,200)$722$478$218,751
82 ($1,200)$720$480$218,271
83 ($1,200)$718$481$217,790
84 ($1,200)$717$483$217,307
Year 8 - 85 ($1,200)$715$484$216,823
86 ($1,200)$714$486$216,337
87 ($1,200)$712$488$215,849
88 ($1,200)$711$489$215,360
89 ($1,200)$709$491$214,870
90 ($1,200)$707$492$214,377
91 ($1,200)$706$494$213,883
92 ($1,200)$704$496$213,388
93 ($1,200)$702$497$212,890
94 ($1,200)$701$499$212,392
95 ($1,200)$699$501$211,891
96 ($1,200)$697$502$211,389
Year 9 - 97 ($1,200)$696$504$210,885
98 ($1,200)$694$505$210,380
99 ($1,200)$692$507$209,873
100 ($1,200)$691$509$209,364
101 ($1,200)$689$510$208,853
102 ($1,200)$687$512$208,341
103 ($1,200)$686$514$207,827
104 ($1,200)$684$516$207,312
105 ($1,200)$682$517$206,795
106 ($1,200)$681$519$206,276
107 ($1,200)$679$521$205,755
108 ($1,200)$677$522$205,233
Year 10 - 109 ($1,200)$676$524$204,709
110 ($1,200)$674$526$204,183
111 ($1,200)$672$528$203,655
112 ($1,200)$670$529$203,126
113 ($1,200)$669$531$202,595
114 ($1,200)$667$533$202,062
115 ($1,200)$665$535$201,528
116 ($1,200)$663$536$200,991
117 ($1,200)$662$538$200,453
118 ($1,200)$660$540$199,914
119 ($1,200)$658$542$199,372
120 ($1,200)$656$543$198,829
Year 11 - 121 ($1,200)$654$545$198,283
122 ($1,200)$653$547$197,736
123 ($1,200)$651$549$197,188
124 ($1,200)$649$551$196,637
125 ($1,200)$647$552$196,085
126 ($1,200)$645$554$195,531
127 ($1,200)$644$556$194,975
128 ($1,200)$642$558$194,417
129 ($1,200)$640$560$193,857
130 ($1,200)$638$562$193,296
131 ($1,200)$636$563$192,732
132 ($1,200)$634$565$192,167
Year 12 - 133 ($1,200)$633$567$191,600
134 ($1,200)$631$569$191,031
135 ($1,200)$629$571$190,460
136 ($1,200)$627$573$189,887
137 ($1,200)$625$575$189,313
138 ($1,200)$623$576$188,736
139 ($1,200)$621$578$188,158
140 ($1,200)$619$580$187,578
141 ($1,200)$617$582$186,996
142 ($1,200)$616$584$186,411
143 ($1,200)$614$586$185,825
144 ($1,200)$612$588$185,237
Year 13 - 145 ($1,200)$610$590$184,648
146 ($1,200)$608$592$184,056
147 ($1,200)$606$594$183,462
148 ($1,200)$604$596$182,866
149 ($1,200)$602$598$182,269
150 ($1,200)$600$600$181,669
151 ($1,200)$598$602$181,067
152 ($1,200)$596$604$180,464
153 ($1,200)$594$606$179,858
154 ($1,200)$592$608$179,250
155 ($1,200)$590$610$178,641
156 ($1,200)$588$612$178,029
Year 14 - 157 ($1,200)$586$614$177,416
158 ($1,200)$584$616$176,800
159 ($1,200)$582$618$176,182
160 ($1,200)$580$620$175,563
161 ($1,200)$578$622$174,941
162 ($1,200)$576$624$174,317
163 ($1,200)$574$626$173,691
164 ($1,200)$572$628$173,063
165 ($1,200)$570$630$172,433
166 ($1,200)$568$632$171,801
167 ($1,200)$566$634$171,167
168 ($1,200)$563$636$170,531
Year 15 - 169 ($1,200)$561$638$169,893
170 ($1,200)$559$640$169,252
171 ($1,200)$557$643$168,610
172 ($1,200)$555$645$167,965
173 ($1,200)$553$647$167,318
174 ($1,200)$551$649$166,670
175 ($1,200)$549$651$166,019
176 ($1,200)$546$653$165,365
177 ($1,200)$544$655$164,710
178 ($1,200)$542$657$164,053
179 ($1,200)$540$660$163,393
180 ($1,200)$538$662$162,731
Year 16 - 181 ($1,200)$536$664$162,067
182 ($1,200)$533$666$161,401
183 ($1,200)$531$668$160,733
184 ($1,200)$529$671$160,062
185 ($1,200)$527$673$159,389
186 ($1,200)$525$675$158,714
187 ($1,200)$522$677$158,037
188 ($1,200)$520$679$157,358
189 ($1,200)$518$682$156,676
190 ($1,200)$516$684$155,992
191 ($1,200)$513$686$155,306
192 ($1,200)$511$688$154,618
Year 17 - 193 ($1,200)$509$691$153,927
194 ($1,200)$507$693$153,234
195 ($1,200)$504$695$152,539
196 ($1,200)$502$698$151,841
197 ($1,200)$500$700$151,142
198 ($1,200)$498$702$150,439
199 ($1,200)$495$704$149,735
200 ($1,200)$493$707$149,028
201 ($1,200)$491$709$148,319
202 ($1,200)$488$711$147,608
203 ($1,200)$486$714$146,894
204 ($1,200)$484$716$146,178
Year 18 - 205 ($1,200)$481$718$145,459
206 ($1,200)$479$721$144,739
207 ($1,200)$476$723$144,015
208 ($1,200)$474$726$143,290
209 ($1,200)$472$728$142,562
210 ($1,200)$469$730$141,831
211 ($1,200)$467$733$141,099
212 ($1,200)$464$735$140,364
213 ($1,200)$462$738$139,626
214 ($1,200)$460$740$138,886
215 ($1,200)$457$742$138,143
216 ($1,200)$455$745$137,399
Year 19 - 217 ($1,200)$452$747$136,651
218 ($1,200)$450$750$135,901
219 ($1,200)$447$752$135,149
220 ($1,200)$445$755$134,394
221 ($1,200)$442$757$133,637
222 ($1,200)$440$760$132,877
223 ($1,200)$437$762$132,115
224 ($1,200)$435$765$131,350
225 ($1,200)$432$767$130,583
226 ($1,200)$430$770$129,813
227 ($1,200)$427$772$129,041
228 ($1,200)$425$775$128,266
Year 20 - 229 ($1,200)$422$777$127,489
230 ($1,200)$420$780$126,709
231 ($1,200)$417$783$125,926
232 ($1,200)$415$785$125,141
233 ($1,200)$412$788$124,353
234 ($1,200)$409$790$123,563
235 ($1,200)$407$793$122,770
236 ($1,200)$404$796$121,975
237 ($1,200)$401$798$121,176
238 ($1,200)$399$801$120,376
239 ($1,200)$396$803$119,572
240 ($1,200)$394$806$118,766
Year 21 - 241 ($1,200)$391$809$117,958
242 ($1,200)$388$811$117,146
243 ($1,200)$386$814$116,332
244 ($1,200)$383$817$115,515
245 ($1,200)$380$819$114,696
246 ($1,200)$378$822$113,874
247 ($1,200)$375$825$113,049
248 ($1,200)$372$828$112,222
249 ($1,200)$369$830$111,391
250 ($1,200)$367$833$110,558
251 ($1,200)$364$836$109,723
252 ($1,200)$361$838$108,884
Year 22 - 253 ($1,200)$358$841$108,043
254 ($1,200)$356$844$107,199
255 ($1,200)$353$847$106,352
256 ($1,200)$350$850$105,503
257 ($1,200)$347$852$104,650
258 ($1,200)$344$855$103,795
259 ($1,200)$342$858$102,937
260 ($1,200)$339$861$102,077
261 ($1,200)$336$864$101,213
262 ($1,200)$333$866$100,346
263 ($1,200)$330$869$99,477
264 ($1,200)$327$872$98,605
Year 23 - 265 ($1,200)$325$875$97,730
266 ($1,200)$322$878$96,852
267 ($1,200)$319$881$95,971
268 ($1,200)$316$884$95,087
269 ($1,200)$313$887$94,201
270 ($1,200)$310$890$93,311
271 ($1,200)$307$892$92,419
272 ($1,200)$304$895$91,523
273 ($1,200)$301$898$90,625
274 ($1,200)$298$901$89,724
275 ($1,200)$295$904$88,819
276 ($1,200)$292$907$87,912
Year 24 - 277 ($1,200)$289$910$87,002
278 ($1,200)$286$913$86,089
279 ($1,200)$283$916$85,172
280 ($1,200)$280$919$84,253
281 ($1,200)$277$922$83,331
282 ($1,200)$274$925$82,405
283 ($1,200)$271$928$81,477
284 ($1,200)$268$931$80,546
285 ($1,200)$265$935$79,611
286 ($1,200)$262$938$78,673
287 ($1,200)$259$941$77,733
288 ($1,200)$256$944$76,789
Year 25 - 289 ($1,200)$253$947$75,842
290 ($1,200)$250$950$74,892
291 ($1,200)$247$953$73,939
292 ($1,200)$243$956$72,983
293 ($1,200)$240$959$72,023
294 ($1,200)$237$963$71,061
295 ($1,200)$234$966$70,095
296 ($1,200)$231$969$69,126
297 ($1,200)$228$972$68,154
298 ($1,200)$224$975$67,179
299 ($1,200)$221$978$66,200
300 ($1,200)$218$982$65,219
Year 26 - 301 ($1,200)$215$985$64,234
302 ($1,200)$211$988$63,246
303 ($1,200)$208$991$62,254
304 ($1,200)$205$995$61,259
305 ($1,200)$202$998$60,261
306 ($1,200)$198$1,001$59,260
307 ($1,200)$195$1,005$58,256
308 ($1,200)$192$1,008$57,248
309 ($1,200)$188$1,011$56,236
310 ($1,200)$185$1,015$55,222
311 ($1,200)$182$1,018$54,204
312 ($1,200)$178$1,021$53,183
Year 27 - 313 ($1,200)$175$1,025$52,158
314 ($1,200)$172$1,028$51,130
315 ($1,200)$168$1,031$50,099
316 ($1,200)$165$1,035$49,064
317 ($1,200)$162$1,038$48,026
318 ($1,200)$158$1,042$46,985
319 ($1,200)$155$1,045$45,940
320 ($1,200)$151$1,048$44,891
321 ($1,200)$148$1,052$43,839
322 ($1,200)$144$1,055$42,784
323 ($1,200)$141$1,059$41,725
324 ($1,200)$137$1,062$40,663
Year 28 - 325 ($1,200)$134$1,066$39,597
326 ($1,200)$130$1,069$38,528
327 ($1,200)$127$1,073$37,455
328 ($1,200)$123$1,076$36,379
329 ($1,200)$120$1,080$35,299
330 ($1,200)$116$1,083$34,215
331 ($1,200)$113$1,087$33,128
332 ($1,200)$109$1,091$32,038
333 ($1,200)$105$1,094$30,944
334 ($1,200)$102$1,098$29,846
335 ($1,200)$98$1,101$28,745
336 ($1,200)$95$1,105$27,640
Year 29 - 337 ($1,200)$91$1,109$26,531
338 ($1,200)$87$1,112$25,419
339 ($1,200)$84$1,116$24,303
340 ($1,200)$80$1,120$23,183
341 ($1,200)$76$1,123$22,060
342 ($1,200)$73$1,127$20,933
343 ($1,200)$69$1,131$19,802
344 ($1,200)$65$1,134$18,667
345 ($1,200)$61$1,138$17,529
346 ($1,200)$58$1,142$16,387
347 ($1,200)$54$1,146$15,242
348 ($1,200)$50$1,149$14,092
Year 30 - 349 ($1,200)$46$1,153$12,939
350 ($1,200)$43$1,157$11,782
351 ($1,200)$39$1,161$10,621
352 ($1,200)$35$1,165$9,456
353 ($1,200)$31$1,169$8,288
354 ($1,200)$27$1,172$7,116
355 ($1,200)$23$1,176$5,939
356 ($1,200)$20$1,180$4,759
357 ($1,200)$16$1,184$3,575
358 ($1,200)$12$1,188$2,387
359 ($1,200)$8$1,192$1,196
360 ($1,200)$4$1,196$0
TOTALS$179,067$252,800$431,867

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.