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Mortgage Payment Schedule for a $318,000 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 April 13, 2017. Check Lending Tree to see current rates from multiple lenders.

Mortgage Parameters


Less than 20% ($63,600) may require pre-mortgage insurance


4.08% is current rate for 30-year fixed
3.34% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,226 360 $187,070 $441,470

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $318,000
Down Payment $63,600$254,400
Year 1 - 1 ($1,226)$865$361$254,039
2 ($1,226)$864$363$253,676
3 ($1,226)$862$364$253,312
4 ($1,226)$861$365$252,947
5 ($1,226)$860$366$252,581
6 ($1,226)$859$368$252,213
7 ($1,226)$858$369$251,845
8 ($1,226)$856$370$251,475
9 ($1,226)$855$371$251,103
10 ($1,226)$854$373$250,731
11 ($1,226)$852$374$250,357
12 ($1,226)$851$375$249,982
Year 2 - 13 ($1,226)$850$376$249,605
14 ($1,226)$849$378$249,228
15 ($1,226)$847$379$248,849
16 ($1,226)$846$380$248,469
17 ($1,226)$845$382$248,087
18 ($1,226)$843$383$247,704
19 ($1,226)$842$384$247,320
20 ($1,226)$841$385$246,935
21 ($1,226)$840$387$246,548
22 ($1,226)$838$388$246,160
23 ($1,226)$837$389$245,771
24 ($1,226)$836$391$245,380
Year 3 - 25 ($1,226)$834$392$244,988
26 ($1,226)$833$393$244,595
27 ($1,226)$832$395$244,200
28 ($1,226)$830$396$243,804
29 ($1,226)$829$397$243,407
30 ($1,226)$828$399$243,008
31 ($1,226)$826$400$242,608
32 ($1,226)$825$401$242,206
33 ($1,226)$824$403$241,803
34 ($1,226)$822$404$241,399
35 ($1,226)$821$406$240,994
36 ($1,226)$819$407$240,587
Year 4 - 37 ($1,226)$818$408$240,179
38 ($1,226)$817$410$239,769
39 ($1,226)$815$411$239,358
40 ($1,226)$814$412$238,945
41 ($1,226)$812$414$238,531
42 ($1,226)$811$415$238,116
43 ($1,226)$810$417$237,699
44 ($1,226)$808$418$237,281
45 ($1,226)$807$420$236,862
46 ($1,226)$805$421$236,441
47 ($1,226)$804$422$236,018
48 ($1,226)$802$424$235,594
Year 5 - 49 ($1,226)$801$425$235,169
50 ($1,226)$800$427$234,742
51 ($1,226)$798$428$234,314
52 ($1,226)$797$430$233,885
53 ($1,226)$795$431$233,453
54 ($1,226)$794$433$233,021
55 ($1,226)$792$434$232,587
56 ($1,226)$791$436$232,151
57 ($1,226)$789$437$231,714
58 ($1,226)$788$438$231,276
59 ($1,226)$786$440$230,836
60 ($1,226)$785$441$230,394
Year 6 - 61 ($1,226)$783$443$229,951
62 ($1,226)$782$444$229,507
63 ($1,226)$780$446$229,061
64 ($1,226)$779$447$228,614
65 ($1,226)$777$449$228,165
66 ($1,226)$776$451$227,714
67 ($1,226)$774$452$227,262
68 ($1,226)$773$454$226,808
69 ($1,226)$771$455$226,353
70 ($1,226)$770$457$225,896
71 ($1,226)$768$458$225,438
72 ($1,226)$766$460$224,978
Year 7 - 73 ($1,226)$765$461$224,517
74 ($1,226)$763$463$224,054
75 ($1,226)$762$465$223,589
76 ($1,226)$760$466$223,123
77 ($1,226)$759$468$222,656
78 ($1,226)$757$469$222,186
79 ($1,226)$755$471$221,716
80 ($1,226)$754$472$221,243
81 ($1,226)$752$474$220,769
82 ($1,226)$751$476$220,293
83 ($1,226)$749$477$219,816
84 ($1,226)$747$479$219,337
Year 8 - 85 ($1,226)$746$481$218,856
86 ($1,226)$744$482$218,374
87 ($1,226)$742$484$217,890
88 ($1,226)$741$485$217,405
89 ($1,226)$739$487$216,918
90 ($1,226)$738$489$216,429
91 ($1,226)$736$490$215,939
92 ($1,226)$734$492$215,446
93 ($1,226)$733$494$214,953
94 ($1,226)$731$495$214,457
95 ($1,226)$729$497$213,960
96 ($1,226)$727$499$213,461
Year 9 - 97 ($1,226)$726$501$212,961
98 ($1,226)$724$502$212,458
99 ($1,226)$722$504$211,955
100 ($1,226)$721$506$211,449
101 ($1,226)$719$507$210,941
102 ($1,226)$717$509$210,432
103 ($1,226)$715$511$209,922
104 ($1,226)$714$513$209,409
105 ($1,226)$712$514$208,895
106 ($1,226)$710$516$208,379
107 ($1,226)$708$518$207,861
108 ($1,226)$707$520$207,341
Year 10 - 109 ($1,226)$705$521$206,820
110 ($1,226)$703$523$206,297
111 ($1,226)$701$525$205,772
112 ($1,226)$700$527$205,245
113 ($1,226)$698$528$204,717
114 ($1,226)$696$530$204,186
115 ($1,226)$694$532$203,654
116 ($1,226)$692$534$203,120
117 ($1,226)$691$536$202,585
118 ($1,226)$689$538$202,047
119 ($1,226)$687$539$201,508
120 ($1,226)$685$541$200,967
Year 11 - 121 ($1,226)$683$543$200,424
122 ($1,226)$681$545$199,879
123 ($1,226)$680$547$199,332
124 ($1,226)$678$549$198,784
125 ($1,226)$676$550$198,233
126 ($1,226)$674$552$197,681
127 ($1,226)$672$554$197,127
128 ($1,226)$670$556$196,570
129 ($1,226)$668$558$196,013
130 ($1,226)$666$560$195,453
131 ($1,226)$665$562$194,891
132 ($1,226)$663$564$194,327
Year 12 - 133 ($1,226)$661$566$193,762
134 ($1,226)$659$568$193,194
135 ($1,226)$657$569$192,625
136 ($1,226)$655$571$192,053
137 ($1,226)$653$573$191,480
138 ($1,226)$651$575$190,905
139 ($1,226)$649$577$190,327
140 ($1,226)$647$579$189,748
141 ($1,226)$645$581$189,167
142 ($1,226)$643$583$188,584
143 ($1,226)$641$585$187,999
144 ($1,226)$639$587$187,412
Year 13 - 145 ($1,226)$637$589$186,823
146 ($1,226)$635$591$186,231
147 ($1,226)$633$593$185,638
148 ($1,226)$631$595$185,043
149 ($1,226)$629$597$184,446
150 ($1,226)$627$599$183,847
151 ($1,226)$625$601$183,246
152 ($1,226)$623$603$182,642
153 ($1,226)$621$605$182,037
154 ($1,226)$619$607$181,430
155 ($1,226)$617$609$180,820
156 ($1,226)$615$612$180,209
Year 14 - 157 ($1,226)$613$614$179,595
158 ($1,226)$611$616$178,979
159 ($1,226)$609$618$178,362
160 ($1,226)$606$620$177,742
161 ($1,226)$604$622$177,120
162 ($1,226)$602$624$176,496
163 ($1,226)$600$626$175,869
164 ($1,226)$598$628$175,241
165 ($1,226)$596$630$174,611
166 ($1,226)$594$633$173,978
167 ($1,226)$592$635$173,343
168 ($1,226)$589$637$172,706
Year 15 - 169 ($1,226)$587$639$172,067
170 ($1,226)$585$641$171,426
171 ($1,226)$583$643$170,782
172 ($1,226)$581$646$170,137
173 ($1,226)$578$648$169,489
174 ($1,226)$576$650$168,839
175 ($1,226)$574$652$168,187
176 ($1,226)$572$654$167,532
177 ($1,226)$570$657$166,875
178 ($1,226)$567$659$166,217
179 ($1,226)$565$661$165,555
180 ($1,226)$563$663$164,892
Year 16 - 181 ($1,226)$561$666$164,226
182 ($1,226)$558$668$163,558
183 ($1,226)$556$670$162,888
184 ($1,226)$554$672$162,216
185 ($1,226)$552$675$161,541
186 ($1,226)$549$677$160,864
187 ($1,226)$547$679$160,184
188 ($1,226)$545$682$159,503
189 ($1,226)$542$684$158,819
190 ($1,226)$540$686$158,132
191 ($1,226)$538$689$157,444
192 ($1,226)$535$691$156,753
Year 17 - 193 ($1,226)$533$693$156,059
194 ($1,226)$531$696$155,364
195 ($1,226)$528$698$154,666
196 ($1,226)$526$700$153,965
197 ($1,226)$523$703$153,262
198 ($1,226)$521$705$152,557
199 ($1,226)$519$708$151,850
200 ($1,226)$516$710$151,140
201 ($1,226)$514$712$150,427
202 ($1,226)$511$715$149,712
203 ($1,226)$509$717$148,995
204 ($1,226)$507$720$148,275
Year 18 - 205 ($1,226)$504$722$147,553
206 ($1,226)$502$725$146,828
207 ($1,226)$499$727$146,101
208 ($1,226)$497$730$145,372
209 ($1,226)$494$732$144,640
210 ($1,226)$492$735$143,905
211 ($1,226)$489$737$143,168
212 ($1,226)$487$740$142,429
213 ($1,226)$484$742$141,687
214 ($1,226)$482$745$140,942
215 ($1,226)$479$747$140,195
216 ($1,226)$477$750$139,445
Year 19 - 217 ($1,226)$474$752$138,693
218 ($1,226)$472$755$137,938
219 ($1,226)$469$757$137,181
220 ($1,226)$466$760$136,421
221 ($1,226)$464$762$135,659
222 ($1,226)$461$765$134,894
223 ($1,226)$459$768$134,126
224 ($1,226)$456$770$133,356
225 ($1,226)$453$773$132,583
226 ($1,226)$451$776$131,807
227 ($1,226)$448$778$131,029
228 ($1,226)$445$781$130,248
Year 20 - 229 ($1,226)$443$783$129,465
230 ($1,226)$440$786$128,679
231 ($1,226)$438$789$127,890
232 ($1,226)$435$791$127,098
233 ($1,226)$432$794$126,304
234 ($1,226)$429$797$125,507
235 ($1,226)$427$800$124,708
236 ($1,226)$424$802$123,905
237 ($1,226)$421$805$123,100
238 ($1,226)$419$808$122,293
239 ($1,226)$416$811$121,482
240 ($1,226)$413$813$120,669
Year 21 - 241 ($1,226)$410$816$119,853
242 ($1,226)$407$819$119,034
243 ($1,226)$405$822$118,212
244 ($1,226)$402$824$117,388
245 ($1,226)$399$827$116,561
246 ($1,226)$396$830$115,731
247 ($1,226)$393$833$114,898
248 ($1,226)$391$836$114,062
249 ($1,226)$388$838$113,224
250 ($1,226)$385$841$112,383
251 ($1,226)$382$844$111,538
252 ($1,226)$379$847$110,691
Year 22 - 253 ($1,226)$376$850$109,841
254 ($1,226)$373$853$108,988
255 ($1,226)$371$856$108,133
256 ($1,226)$368$859$107,274
257 ($1,226)$365$862$106,413
258 ($1,226)$362$865$105,548
259 ($1,226)$359$867$104,681
260 ($1,226)$356$870$103,810
261 ($1,226)$353$873$102,937
262 ($1,226)$350$876$102,060
263 ($1,226)$347$879$101,181
264 ($1,226)$344$882$100,299
Year 23 - 265 ($1,226)$341$885$99,414
266 ($1,226)$338$888$98,525
267 ($1,226)$335$891$97,634
268 ($1,226)$332$894$96,740
269 ($1,226)$329$897$95,842
270 ($1,226)$326$900$94,942
271 ($1,226)$323$904$94,038
272 ($1,226)$320$907$93,132
273 ($1,226)$317$910$92,222
274 ($1,226)$314$913$91,309
275 ($1,226)$310$916$90,393
276 ($1,226)$307$919$89,474
Year 24 - 277 ($1,226)$304$922$88,552
278 ($1,226)$301$925$87,627
279 ($1,226)$298$928$86,699
280 ($1,226)$295$932$85,767
281 ($1,226)$292$935$84,833
282 ($1,226)$288$938$83,895
283 ($1,226)$285$941$82,954
284 ($1,226)$282$944$82,009
285 ($1,226)$279$947$81,062
286 ($1,226)$276$951$80,111
287 ($1,226)$272$954$79,157
288 ($1,226)$269$957$78,200
Year 25 - 289 ($1,226)$266$960$77,240
290 ($1,226)$263$964$76,276
291 ($1,226)$259$967$75,309
292 ($1,226)$256$970$74,339
293 ($1,226)$253$974$73,365
294 ($1,226)$249$977$72,388
295 ($1,226)$246$980$71,408
296 ($1,226)$243$984$70,425
297 ($1,226)$239$987$69,438
298 ($1,226)$236$990$68,448
299 ($1,226)$233$994$67,454
300 ($1,226)$229$997$66,457
Year 26 - 301 ($1,226)$226$1,000$65,457
302 ($1,226)$223$1,004$64,453
303 ($1,226)$219$1,007$63,446
304 ($1,226)$216$1,011$62,435
305 ($1,226)$212$1,014$61,421
306 ($1,226)$209$1,017$60,404
307 ($1,226)$205$1,021$59,383
308 ($1,226)$202$1,024$58,358
309 ($1,226)$198$1,028$57,330
310 ($1,226)$195$1,031$56,299
311 ($1,226)$191$1,035$55,264
312 ($1,226)$188$1,038$54,226
Year 27 - 313 ($1,226)$184$1,042$53,184
314 ($1,226)$181$1,045$52,138
315 ($1,226)$177$1,049$51,089
316 ($1,226)$174$1,053$50,037
317 ($1,226)$170$1,056$48,980
318 ($1,226)$167$1,060$47,921
319 ($1,226)$163$1,063$46,857
320 ($1,226)$159$1,067$45,790
321 ($1,226)$156$1,071$44,720
322 ($1,226)$152$1,074$43,645
323 ($1,226)$148$1,078$42,568
324 ($1,226)$145$1,082$41,486
Year 28 - 325 ($1,226)$141$1,085$40,401
326 ($1,226)$137$1,089$39,312
327 ($1,226)$134$1,093$38,219
328 ($1,226)$130$1,096$37,123
329 ($1,226)$126$1,100$36,023
330 ($1,226)$122$1,104$34,919
331 ($1,226)$119$1,108$33,811
332 ($1,226)$115$1,111$32,700
333 ($1,226)$111$1,115$31,585
334 ($1,226)$107$1,119$30,466
335 ($1,226)$104$1,123$29,343
336 ($1,226)$100$1,127$28,217
Year 29 - 337 ($1,226)$96$1,130$27,086
338 ($1,226)$92$1,134$25,952
339 ($1,226)$88$1,138$24,814
340 ($1,226)$84$1,142$23,672
341 ($1,226)$80$1,146$22,526
342 ($1,226)$77$1,150$21,376
343 ($1,226)$73$1,154$20,223
344 ($1,226)$69$1,158$19,065
345 ($1,226)$65$1,161$17,904
346 ($1,226)$61$1,165$16,738
347 ($1,226)$57$1,169$15,569
348 ($1,226)$53$1,173$14,396
Year 30 - 349 ($1,226)$49$1,177$13,218
350 ($1,226)$45$1,181$12,037
351 ($1,226)$41$1,185$10,851
352 ($1,226)$37$1,189$9,662
353 ($1,226)$33$1,193$8,469
354 ($1,226)$29$1,198$7,271
355 ($1,226)$25$1,202$6,069
356 ($1,226)$21$1,206$4,864
357 ($1,226)$17$1,210$3,654
358 ($1,226)$12$1,214$2,440
359 ($1,226)$8$1,218$1,222
360 ($1,226)$4$1,222$0
TOTALS$187,070$254,400$441,470

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.