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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 September 21, 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


3.83% is current rate for 30-year fixed
3.13% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,182 360 $172,814 $425,614

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,169 or less (zip code: 20149)


NMLS #: 168163 | State Lic #: MC3254
$1,123 /mo
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30 yr fixed mtg, 0 points | APR: 3.561% | Rate: 3.500% | Fees: $1,895 | 30 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 #: 244476 | State Lic #: MC-5877
$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 #: 66247 Cardinal Financial | State Lic #: MC-1825
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.764% | Rate: 3.750% | Fees: $432 | 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

$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.029% | Rate: 4.000% | Fees: $870 | 45 day rate lock

NMLS #: 35959 | State Lic #: MC-2967
$1,499 /mo
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30 yr fixed mtg, 0 points | APR: 6.000% | Rate: 6.000% | Fees: $0 | 30 day rate lock

NMLS #: 1071 | State Lic #: MC-1772
$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 #: 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 #: 424182
$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

$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.875% | Rate: 3.875% | Fees: $0 | 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 ($1,182)$807$375$252,425
2 ($1,182)$806$377$252,048
3 ($1,182)$804$378$251,670
4 ($1,182)$803$379$251,291
5 ($1,182)$802$380$250,911
6 ($1,182)$801$381$250,530
7 ($1,182)$800$383$250,147
8 ($1,182)$798$384$249,763
9 ($1,182)$797$385$249,378
10 ($1,182)$796$386$248,992
11 ($1,182)$795$388$248,604
12 ($1,182)$793$389$248,215
Year 2 - 13 ($1,182)$792$390$247,825
14 ($1,182)$791$391$247,434
15 ($1,182)$790$393$247,041
16 ($1,182)$788$394$246,648
17 ($1,182)$787$395$246,252
18 ($1,182)$786$396$245,856
19 ($1,182)$785$398$245,459
20 ($1,182)$783$399$245,060
21 ($1,182)$782$400$244,660
22 ($1,182)$781$401$244,258
23 ($1,182)$780$403$243,856
24 ($1,182)$778$404$243,452
Year 3 - 25 ($1,182)$777$405$243,046
26 ($1,182)$776$407$242,640
27 ($1,182)$774$408$242,232
28 ($1,182)$773$409$241,823
29 ($1,182)$772$410$241,412
30 ($1,182)$771$412$241,001
31 ($1,182)$769$413$240,588
32 ($1,182)$768$414$240,173
33 ($1,182)$767$416$239,758
34 ($1,182)$765$417$239,340
35 ($1,182)$764$418$238,922
36 ($1,182)$763$420$238,502
Year 4 - 37 ($1,182)$761$421$238,081
38 ($1,182)$760$422$237,659
39 ($1,182)$759$424$237,235
40 ($1,182)$757$425$236,810
41 ($1,182)$756$426$236,384
42 ($1,182)$754$428$235,956
43 ($1,182)$753$429$235,527
44 ($1,182)$752$431$235,096
45 ($1,182)$750$432$234,664
46 ($1,182)$749$433$234,231
47 ($1,182)$748$435$233,796
48 ($1,182)$746$436$233,360
Year 5 - 49 ($1,182)$745$437$232,923
50 ($1,182)$743$439$232,484
51 ($1,182)$742$440$232,044
52 ($1,182)$741$442$231,602
53 ($1,182)$739$443$231,159
54 ($1,182)$738$444$230,715
55 ($1,182)$736$446$230,269
56 ($1,182)$735$447$229,821
57 ($1,182)$734$449$229,373
58 ($1,182)$732$450$228,922
59 ($1,182)$731$452$228,471
60 ($1,182)$729$453$228,018
Year 6 - 61 ($1,182)$728$455$227,563
62 ($1,182)$726$456$227,107
63 ($1,182)$725$457$226,650
64 ($1,182)$723$459$226,191
65 ($1,182)$722$460$225,731
66 ($1,182)$720$462$225,269
67 ($1,182)$719$463$224,806
68 ($1,182)$718$465$224,341
69 ($1,182)$716$466$223,875
70 ($1,182)$715$468$223,407
71 ($1,182)$713$469$222,938
72 ($1,182)$712$471$222,467
Year 7 - 73 ($1,182)$710$472$221,995
74 ($1,182)$709$474$221,521
75 ($1,182)$707$475$221,046
76 ($1,182)$706$477$220,569
77 ($1,182)$704$478$220,091
78 ($1,182)$702$480$219,611
79 ($1,182)$701$481$219,129
80 ($1,182)$699$483$218,647
81 ($1,182)$698$484$218,162
82 ($1,182)$696$486$217,676
83 ($1,182)$695$488$217,189
84 ($1,182)$693$489$216,700
Year 8 - 85 ($1,182)$692$491$216,209
86 ($1,182)$690$492$215,717
87 ($1,182)$688$494$215,223
88 ($1,182)$687$495$214,728
89 ($1,182)$685$497$214,231
90 ($1,182)$684$499$213,732
91 ($1,182)$682$500$213,232
92 ($1,182)$681$502$212,731
93 ($1,182)$679$503$212,227
94 ($1,182)$677$505$211,722
95 ($1,182)$676$507$211,216
96 ($1,182)$674$508$210,708
Year 9 - 97 ($1,182)$673$510$210,198
98 ($1,182)$671$511$209,687
99 ($1,182)$669$513$209,174
100 ($1,182)$668$515$208,659
101 ($1,182)$666$516$208,143
102 ($1,182)$664$518$207,625
103 ($1,182)$663$520$207,105
104 ($1,182)$661$521$206,584
105 ($1,182)$659$523$206,061
106 ($1,182)$658$525$205,536
107 ($1,182)$656$526$205,010
108 ($1,182)$654$528$204,482
Year 10 - 109 ($1,182)$653$530$203,952
110 ($1,182)$651$531$203,421
111 ($1,182)$649$533$202,888
112 ($1,182)$648$535$202,353
113 ($1,182)$646$536$201,817
114 ($1,182)$644$538$201,279
115 ($1,182)$642$540$200,739
116 ($1,182)$641$542$200,197
117 ($1,182)$639$543$199,654
118 ($1,182)$637$545$199,109
119 ($1,182)$635$547$198,562
120 ($1,182)$634$549$198,014
Year 11 - 121 ($1,182)$632$550$197,464
122 ($1,182)$630$552$196,912
123 ($1,182)$628$554$196,358
124 ($1,182)$627$556$195,802
125 ($1,182)$625$557$195,245
126 ($1,182)$623$559$194,686
127 ($1,182)$621$561$194,125
128 ($1,182)$620$563$193,562
129 ($1,182)$618$564$192,998
130 ($1,182)$616$566$192,431
131 ($1,182)$614$568$191,863
132 ($1,182)$612$570$191,293
Year 12 - 133 ($1,182)$611$572$190,722
134 ($1,182)$609$574$190,148
135 ($1,182)$607$575$189,573
136 ($1,182)$605$577$188,996
137 ($1,182)$603$579$188,417
138 ($1,182)$601$581$187,836
139 ($1,182)$600$583$187,253
140 ($1,182)$598$585$186,668
141 ($1,182)$596$586$186,082
142 ($1,182)$594$588$185,494
143 ($1,182)$592$590$184,903
144 ($1,182)$590$592$184,311
Year 13 - 145 ($1,182)$588$594$183,717
146 ($1,182)$586$596$183,121
147 ($1,182)$584$598$182,523
148 ($1,182)$583$600$181,924
149 ($1,182)$581$602$181,322
150 ($1,182)$579$604$180,719
151 ($1,182)$577$605$180,113
152 ($1,182)$575$607$179,506
153 ($1,182)$573$609$178,896
154 ($1,182)$571$611$178,285
155 ($1,182)$569$613$177,672
156 ($1,182)$567$615$177,057
Year 14 - 157 ($1,182)$565$617$176,440
158 ($1,182)$563$619$175,820
159 ($1,182)$561$621$175,199
160 ($1,182)$559$623$174,576
161 ($1,182)$557$625$173,951
162 ($1,182)$555$627$173,324
163 ($1,182)$553$629$172,695
164 ($1,182)$551$631$172,064
165 ($1,182)$549$633$171,431
166 ($1,182)$547$635$170,796
167 ($1,182)$545$637$170,159
168 ($1,182)$543$639$169,519
Year 15 - 169 ($1,182)$541$641$168,878
170 ($1,182)$539$643$168,235
171 ($1,182)$537$645$167,590
172 ($1,182)$535$647$166,942
173 ($1,182)$533$649$166,293
174 ($1,182)$531$652$165,641
175 ($1,182)$529$654$164,988
176 ($1,182)$527$656$164,332
177 ($1,182)$524$658$163,674
178 ($1,182)$522$660$163,014
179 ($1,182)$520$662$162,352
180 ($1,182)$518$664$161,688
Year 16 - 181 ($1,182)$516$666$161,022
182 ($1,182)$514$668$160,354
183 ($1,182)$512$670$159,683
184 ($1,182)$510$673$159,011
185 ($1,182)$508$675$158,336
186 ($1,182)$505$677$157,659
187 ($1,182)$503$679$156,980
188 ($1,182)$501$681$156,299
189 ($1,182)$499$683$155,615
190 ($1,182)$497$686$154,930
191 ($1,182)$494$688$154,242
192 ($1,182)$492$690$153,552
Year 17 - 193 ($1,182)$490$692$152,860
194 ($1,182)$488$694$152,165
195 ($1,182)$486$697$151,469
196 ($1,182)$483$699$150,770
197 ($1,182)$481$701$150,069
198 ($1,182)$479$703$149,366
199 ($1,182)$477$706$148,660
200 ($1,182)$474$708$147,952
201 ($1,182)$472$710$147,242
202 ($1,182)$470$712$146,530
203 ($1,182)$468$715$145,815
204 ($1,182)$465$717$145,099
Year 18 - 205 ($1,182)$463$719$144,379
206 ($1,182)$461$721$143,658
207 ($1,182)$459$724$142,934
208 ($1,182)$456$726$142,208
209 ($1,182)$454$728$141,480
210 ($1,182)$452$731$140,749
211 ($1,182)$449$733$140,016
212 ($1,182)$447$735$139,281
213 ($1,182)$445$738$138,543
214 ($1,182)$442$740$137,803
215 ($1,182)$440$742$137,060
216 ($1,182)$437$745$136,316
Year 19 - 217 ($1,182)$435$747$135,568
218 ($1,182)$433$750$134,819
219 ($1,182)$430$752$134,067
220 ($1,182)$428$754$133,313
221 ($1,182)$425$757$132,556
222 ($1,182)$423$759$131,797
223 ($1,182)$421$762$131,035
224 ($1,182)$418$764$130,271
225 ($1,182)$416$766$129,504
226 ($1,182)$413$769$128,735
227 ($1,182)$411$771$127,964
228 ($1,182)$408$774$127,190
Year 20 - 229 ($1,182)$406$776$126,414
230 ($1,182)$403$779$125,635
231 ($1,182)$401$781$124,854
232 ($1,182)$398$784$124,070
233 ($1,182)$396$786$123,284
234 ($1,182)$393$789$122,495
235 ($1,182)$391$791$121,704
236 ($1,182)$388$794$120,910
237 ($1,182)$386$796$120,114
238 ($1,182)$383$799$119,315
239 ($1,182)$381$801$118,513
240 ($1,182)$378$804$117,709
Year 21 - 241 ($1,182)$376$807$116,903
242 ($1,182)$373$809$116,094
243 ($1,182)$371$812$115,282
244 ($1,182)$368$814$114,467
245 ($1,182)$365$817$113,651
246 ($1,182)$363$820$112,831
247 ($1,182)$360$822$112,009
248 ($1,182)$357$825$111,184
249 ($1,182)$355$827$110,357
250 ($1,182)$352$830$109,527
251 ($1,182)$350$833$108,694
252 ($1,182)$347$835$107,859
Year 22 - 253 ($1,182)$344$838$107,021
254 ($1,182)$342$841$106,180
255 ($1,182)$339$843$105,337
256 ($1,182)$336$846$104,490
257 ($1,182)$333$849$103,642
258 ($1,182)$331$851$102,790
259 ($1,182)$328$854$101,936
260 ($1,182)$325$857$101,079
261 ($1,182)$323$860$100,220
262 ($1,182)$320$862$99,357
263 ($1,182)$317$865$98,492
264 ($1,182)$314$868$97,624
Year 23 - 265 ($1,182)$312$871$96,753
266 ($1,182)$309$873$95,880
267 ($1,182)$306$876$95,004
268 ($1,182)$303$879$94,125
269 ($1,182)$300$882$93,243
270 ($1,182)$298$885$92,358
271 ($1,182)$295$887$91,471
272 ($1,182)$292$890$90,580
273 ($1,182)$289$893$89,687
274 ($1,182)$286$896$88,791
275 ($1,182)$283$899$87,892
276 ($1,182)$281$902$86,991
Year 24 - 277 ($1,182)$278$905$86,086
278 ($1,182)$275$908$85,178
279 ($1,182)$272$910$84,268
280 ($1,182)$269$913$83,355
281 ($1,182)$266$916$82,438
282 ($1,182)$263$919$81,519
283 ($1,182)$260$922$80,597
284 ($1,182)$257$925$79,672
285 ($1,182)$254$928$78,744
286 ($1,182)$251$931$77,813
287 ($1,182)$248$934$76,879
288 ($1,182)$245$937$75,943
Year 25 - 289 ($1,182)$242$940$75,003
290 ($1,182)$239$943$74,060
291 ($1,182)$236$946$73,114
292 ($1,182)$233$949$72,165
293 ($1,182)$230$952$71,213
294 ($1,182)$227$955$70,258
295 ($1,182)$224$958$69,300
296 ($1,182)$221$961$68,339
297 ($1,182)$218$964$67,375
298 ($1,182)$215$967$66,408
299 ($1,182)$212$970$65,437
300 ($1,182)$209$973$64,464
Year 26 - 301 ($1,182)$206$977$63,487
302 ($1,182)$203$980$62,508
303 ($1,182)$200$983$61,525
304 ($1,182)$196$986$60,539
305 ($1,182)$193$989$59,550
306 ($1,182)$190$992$58,558
307 ($1,182)$187$995$57,562
308 ($1,182)$184$999$56,564
309 ($1,182)$181$1,002$55,562
310 ($1,182)$177$1,005$54,557
311 ($1,182)$174$1,008$53,549
312 ($1,182)$171$1,011$52,538
Year 27 - 313 ($1,182)$168$1,015$51,523
314 ($1,182)$164$1,018$50,505
315 ($1,182)$161$1,021$49,484
316 ($1,182)$158$1,024$48,460
317 ($1,182)$155$1,028$47,432
318 ($1,182)$151$1,031$46,402
319 ($1,182)$148$1,034$45,367
320 ($1,182)$145$1,037$44,330
321 ($1,182)$141$1,041$43,289
322 ($1,182)$138$1,044$42,245
323 ($1,182)$135$1,047$41,198
324 ($1,182)$131$1,051$40,147
Year 28 - 325 ($1,182)$128$1,054$39,093
326 ($1,182)$125$1,057$38,035
327 ($1,182)$121$1,061$36,974
328 ($1,182)$118$1,064$35,910
329 ($1,182)$115$1,068$34,842
330 ($1,182)$111$1,071$33,771
331 ($1,182)$108$1,074$32,697
332 ($1,182)$104$1,078$31,619
333 ($1,182)$101$1,081$30,538
334 ($1,182)$97$1,085$29,453
335 ($1,182)$94$1,088$28,365
336 ($1,182)$91$1,092$27,273
Year 29 - 337 ($1,182)$87$1,095$26,178
338 ($1,182)$84$1,099$25,079
339 ($1,182)$80$1,102$23,977
340 ($1,182)$77$1,106$22,871
341 ($1,182)$73$1,109$21,762
342 ($1,182)$69$1,113$20,649
343 ($1,182)$66$1,116$19,533
344 ($1,182)$62$1,120$18,413
345 ($1,182)$59$1,123$17,289
346 ($1,182)$55$1,127$16,162
347 ($1,182)$52$1,131$15,031
348 ($1,182)$48$1,134$13,897
Year 30 - 349 ($1,182)$44$1,138$12,759
350 ($1,182)$41$1,142$11,618
351 ($1,182)$37$1,145$10,473
352 ($1,182)$33$1,149$9,324
353 ($1,182)$30$1,153$8,171
354 ($1,182)$26$1,156$7,015
355 ($1,182)$22$1,160$5,855
356 ($1,182)$19$1,164$4,692
357 ($1,182)$15$1,167$3,524
358 ($1,182)$11$1,171$2,353
359 ($1,182)$8$1,175$1,179
360 ($1,182)$4$1,179$0
TOTALS$172,814$252,800$425,614

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.