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Mortgage Payment Schedule for a $320,000 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% ($64,000) 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
$1,212 360 $180,275 $436,275

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  $320,000
Down Payment $64,000$256,000
Year 1 - 1 ($1,212)$838$373$255,627
2 ($1,212)$837$375$255,252
3 ($1,212)$836$376$254,876
4 ($1,212)$835$377$254,499
5 ($1,212)$833$378$254,120
6 ($1,212)$832$380$253,741
7 ($1,212)$831$381$253,360
8 ($1,212)$830$382$252,978
9 ($1,212)$829$383$252,594
10 ($1,212)$827$385$252,210
11 ($1,212)$826$386$251,824
12 ($1,212)$825$387$251,437
Year 2 - 13 ($1,212)$823$388$251,048
14 ($1,212)$822$390$250,659
15 ($1,212)$821$391$250,268
16 ($1,212)$820$392$249,875
17 ($1,212)$818$394$249,482
18 ($1,212)$817$395$249,087
19 ($1,212)$816$396$248,691
20 ($1,212)$814$397$248,293
21 ($1,212)$813$399$247,895
22 ($1,212)$812$400$247,495
23 ($1,212)$811$401$247,093
24 ($1,212)$809$403$246,691
Year 3 - 25 ($1,212)$808$404$246,287
26 ($1,212)$807$405$245,882
27 ($1,212)$805$407$245,475
28 ($1,212)$804$408$245,067
29 ($1,212)$803$409$244,658
30 ($1,212)$801$411$244,247
31 ($1,212)$800$412$243,835
32 ($1,212)$799$413$243,422
33 ($1,212)$797$415$243,007
34 ($1,212)$796$416$242,591
35 ($1,212)$794$417$242,174
36 ($1,212)$793$419$241,755
Year 4 - 37 ($1,212)$792$420$241,335
38 ($1,212)$790$422$240,913
39 ($1,212)$789$423$240,490
40 ($1,212)$788$424$240,066
41 ($1,212)$786$426$239,641
42 ($1,212)$785$427$239,213
43 ($1,212)$783$428$238,785
44 ($1,212)$782$430$238,355
45 ($1,212)$781$431$237,924
46 ($1,212)$779$433$237,491
47 ($1,212)$778$434$237,057
48 ($1,212)$776$436$236,622
Year 5 - 49 ($1,212)$775$437$236,185
50 ($1,212)$774$438$235,746
51 ($1,212)$772$440$235,307
52 ($1,212)$771$441$234,865
53 ($1,212)$769$443$234,423
54 ($1,212)$768$444$233,978
55 ($1,212)$766$446$233,533
56 ($1,212)$765$447$233,086
57 ($1,212)$763$449$232,637
58 ($1,212)$762$450$232,187
59 ($1,212)$760$451$231,736
60 ($1,212)$759$453$231,283
Year 6 - 61 ($1,212)$757$454$230,828
62 ($1,212)$756$456$230,373
63 ($1,212)$754$457$229,915
64 ($1,212)$753$459$229,456
65 ($1,212)$751$460$228,996
66 ($1,212)$750$462$228,534
67 ($1,212)$748$463$228,070
68 ($1,212)$747$465$227,606
69 ($1,212)$745$466$227,139
70 ($1,212)$744$468$226,671
71 ($1,212)$742$470$226,202
72 ($1,212)$741$471$225,730
Year 7 - 73 ($1,212)$739$473$225,258
74 ($1,212)$738$474$224,784
75 ($1,212)$736$476$224,308
76 ($1,212)$735$477$223,831
77 ($1,212)$733$479$223,352
78 ($1,212)$731$480$222,872
79 ($1,212)$730$482$222,390
80 ($1,212)$728$484$221,906
81 ($1,212)$727$485$221,421
82 ($1,212)$725$487$220,934
83 ($1,212)$724$488$220,446
84 ($1,212)$722$490$219,956
Year 8 - 85 ($1,212)$720$492$219,464
86 ($1,212)$719$493$218,971
87 ($1,212)$717$495$218,477
88 ($1,212)$716$496$217,980
89 ($1,212)$714$498$217,482
90 ($1,212)$712$500$216,983
91 ($1,212)$711$501$216,481
92 ($1,212)$709$503$215,978
93 ($1,212)$707$505$215,474
94 ($1,212)$706$506$214,968
95 ($1,212)$704$508$214,460
96 ($1,212)$702$510$213,950
Year 9 - 97 ($1,212)$701$511$213,439
98 ($1,212)$699$513$212,926
99 ($1,212)$697$515$212,412
100 ($1,212)$696$516$211,895
101 ($1,212)$694$518$211,378
102 ($1,212)$692$520$210,858
103 ($1,212)$691$521$210,337
104 ($1,212)$689$523$209,814
105 ($1,212)$687$525$209,289
106 ($1,212)$685$526$208,762
107 ($1,212)$684$528$208,234
108 ($1,212)$682$530$207,704
Year 10 - 109 ($1,212)$680$532$207,173
110 ($1,212)$678$533$206,639
111 ($1,212)$677$535$206,104
112 ($1,212)$675$537$205,567
113 ($1,212)$673$539$205,029
114 ($1,212)$671$540$204,488
115 ($1,212)$670$542$203,946
116 ($1,212)$668$544$203,402
117 ($1,212)$666$546$202,856
118 ($1,212)$664$548$202,309
119 ($1,212)$663$549$201,760
120 ($1,212)$661$551$201,208
Year 11 - 121 ($1,212)$659$553$200,656
122 ($1,212)$657$555$200,101
123 ($1,212)$655$557$199,544
124 ($1,212)$654$558$198,986
125 ($1,212)$652$560$198,426
126 ($1,212)$650$562$197,864
127 ($1,212)$648$564$197,300
128 ($1,212)$646$566$196,734
129 ($1,212)$644$568$196,166
130 ($1,212)$642$569$195,597
131 ($1,212)$641$571$195,026
132 ($1,212)$639$573$194,453
Year 12 - 133 ($1,212)$637$575$193,878
134 ($1,212)$635$577$193,301
135 ($1,212)$633$579$192,722
136 ($1,212)$631$581$192,141
137 ($1,212)$629$583$191,558
138 ($1,212)$627$585$190,974
139 ($1,212)$625$586$190,388
140 ($1,212)$624$588$189,799
141 ($1,212)$622$590$189,209
142 ($1,212)$620$592$188,617
143 ($1,212)$618$594$188,023
144 ($1,212)$616$596$187,426
Year 13 - 145 ($1,212)$614$598$186,828
146 ($1,212)$612$600$186,228
147 ($1,212)$610$602$185,626
148 ($1,212)$608$604$185,022
149 ($1,212)$606$606$184,417
150 ($1,212)$604$608$183,809
151 ($1,212)$602$610$183,199
152 ($1,212)$600$612$182,587
153 ($1,212)$598$614$181,973
154 ($1,212)$596$616$181,357
155 ($1,212)$594$618$180,739
156 ($1,212)$592$620$180,119
Year 14 - 157 ($1,212)$590$622$179,497
158 ($1,212)$588$624$178,873
159 ($1,212)$586$626$178,247
160 ($1,212)$584$628$177,619
161 ($1,212)$582$630$176,989
162 ($1,212)$580$632$176,356
163 ($1,212)$578$634$175,722
164 ($1,212)$575$636$175,086
165 ($1,212)$573$638$174,447
166 ($1,212)$571$641$173,807
167 ($1,212)$569$643$173,164
168 ($1,212)$567$645$172,519
Year 15 - 169 ($1,212)$565$647$171,872
170 ($1,212)$563$649$171,223
171 ($1,212)$561$651$170,572
172 ($1,212)$559$653$169,919
173 ($1,212)$556$655$169,264
174 ($1,212)$554$658$168,606
175 ($1,212)$552$660$167,947
176 ($1,212)$550$662$167,285
177 ($1,212)$548$664$166,621
178 ($1,212)$546$666$165,954
179 ($1,212)$544$668$165,286
180 ($1,212)$541$671$164,616
Year 16 - 181 ($1,212)$539$673$163,943
182 ($1,212)$537$675$163,268
183 ($1,212)$535$677$162,591
184 ($1,212)$532$679$161,911
185 ($1,212)$530$682$161,230
186 ($1,212)$528$684$160,546
187 ($1,212)$526$686$159,860
188 ($1,212)$524$688$159,171
189 ($1,212)$521$691$158,481
190 ($1,212)$519$693$157,788
191 ($1,212)$517$695$157,093
192 ($1,212)$514$697$156,395
Year 17 - 193 ($1,212)$512$700$155,696
194 ($1,212)$510$702$154,994
195 ($1,212)$508$704$154,289
196 ($1,212)$505$707$153,583
197 ($1,212)$503$709$152,874
198 ($1,212)$501$711$152,163
199 ($1,212)$498$714$151,449
200 ($1,212)$496$716$150,733
201 ($1,212)$494$718$150,015
202 ($1,212)$491$721$149,295
203 ($1,212)$489$723$148,572
204 ($1,212)$487$725$147,846
Year 18 - 205 ($1,212)$484$728$147,119
206 ($1,212)$482$730$146,389
207 ($1,212)$479$732$145,656
208 ($1,212)$477$735$144,921
209 ($1,212)$475$737$144,184
210 ($1,212)$472$740$143,444
211 ($1,212)$470$742$142,702
212 ($1,212)$467$745$141,958
213 ($1,212)$465$747$141,211
214 ($1,212)$462$749$140,461
215 ($1,212)$460$752$139,710
216 ($1,212)$458$754$138,955
Year 19 - 217 ($1,212)$455$757$138,198
218 ($1,212)$453$759$137,439
219 ($1,212)$450$762$136,677
220 ($1,212)$448$764$135,913
221 ($1,212)$445$767$135,146
222 ($1,212)$443$769$134,377
223 ($1,212)$440$772$133,605
224 ($1,212)$438$774$132,831
225 ($1,212)$435$777$132,054
226 ($1,212)$432$779$131,275
227 ($1,212)$430$782$130,493
228 ($1,212)$427$785$129,708
Year 20 - 229 ($1,212)$425$787$128,921
230 ($1,212)$422$790$128,132
231 ($1,212)$420$792$127,339
232 ($1,212)$417$795$126,544
233 ($1,212)$414$797$125,747
234 ($1,212)$412$800$124,947
235 ($1,212)$409$803$124,144
236 ($1,212)$407$805$123,339
237 ($1,212)$404$808$122,531
238 ($1,212)$401$811$121,720
239 ($1,212)$399$813$120,907
240 ($1,212)$396$816$120,091
Year 21 - 241 ($1,212)$393$819$119,273
242 ($1,212)$391$821$118,451
243 ($1,212)$388$824$117,628
244 ($1,212)$385$827$116,801
245 ($1,212)$383$829$115,972
246 ($1,212)$380$832$115,139
247 ($1,212)$377$835$114,305
248 ($1,212)$374$838$113,467
249 ($1,212)$372$840$112,627
250 ($1,212)$369$843$111,784
251 ($1,212)$366$846$110,938
252 ($1,212)$363$849$110,089
Year 22 - 253 ($1,212)$361$851$109,238
254 ($1,212)$358$854$108,384
255 ($1,212)$355$857$107,527
256 ($1,212)$352$860$106,667
257 ($1,212)$349$863$105,805
258 ($1,212)$347$865$104,940
259 ($1,212)$344$868$104,071
260 ($1,212)$341$871$103,200
261 ($1,212)$338$874$102,326
262 ($1,212)$335$877$101,450
263 ($1,212)$332$880$100,570
264 ($1,212)$329$883$99,687
Year 23 - 265 ($1,212)$326$885$98,802
266 ($1,212)$324$888$97,914
267 ($1,212)$321$891$97,023
268 ($1,212)$318$894$96,128
269 ($1,212)$315$897$95,231
270 ($1,212)$312$900$94,331
271 ($1,212)$309$903$93,428
272 ($1,212)$306$906$92,523
273 ($1,212)$303$909$91,614
274 ($1,212)$300$912$90,702
275 ($1,212)$297$915$89,787
276 ($1,212)$294$918$88,869
Year 24 - 277 ($1,212)$291$921$87,948
278 ($1,212)$288$924$87,025
279 ($1,212)$285$927$86,098
280 ($1,212)$282$930$85,168
281 ($1,212)$279$933$84,235
282 ($1,212)$276$936$83,299
283 ($1,212)$273$939$82,360
284 ($1,212)$270$942$81,418
285 ($1,212)$267$945$80,472
286 ($1,212)$264$948$79,524
287 ($1,212)$260$951$78,573
288 ($1,212)$257$955$77,618
Year 25 - 289 ($1,212)$254$958$76,660
290 ($1,212)$251$961$75,700
291 ($1,212)$248$964$74,736
292 ($1,212)$245$967$73,768
293 ($1,212)$242$970$72,798
294 ($1,212)$238$973$71,825
295 ($1,212)$235$977$70,848
296 ($1,212)$232$980$69,868
297 ($1,212)$229$983$68,885
298 ($1,212)$226$986$67,899
299 ($1,212)$222$990$66,909
300 ($1,212)$219$993$65,917
Year 26 - 301 ($1,212)$216$996$64,921
302 ($1,212)$213$999$63,921
303 ($1,212)$209$1,003$62,919
304 ($1,212)$206$1,006$61,913
305 ($1,212)$203$1,009$60,904
306 ($1,212)$199$1,012$59,892
307 ($1,212)$196$1,016$58,876
308 ($1,212)$193$1,019$57,857
309 ($1,212)$189$1,022$56,834
310 ($1,212)$186$1,026$55,809
311 ($1,212)$183$1,029$54,780
312 ($1,212)$179$1,032$53,747
Year 27 - 313 ($1,212)$176$1,036$52,711
314 ($1,212)$173$1,039$51,672
315 ($1,212)$169$1,043$50,629
316 ($1,212)$166$1,046$49,583
317 ($1,212)$162$1,049$48,534
318 ($1,212)$159$1,053$47,481
319 ($1,212)$155$1,056$46,424
320 ($1,212)$152$1,060$45,365
321 ($1,212)$149$1,063$44,301
322 ($1,212)$145$1,067$43,235
323 ($1,212)$142$1,070$42,164
324 ($1,212)$138$1,074$41,090
Year 28 - 325 ($1,212)$135$1,077$40,013
326 ($1,212)$131$1,081$38,932
327 ($1,212)$128$1,084$37,848
328 ($1,212)$124$1,088$36,760
329 ($1,212)$120$1,091$35,669
330 ($1,212)$117$1,095$34,573
331 ($1,212)$113$1,099$33,475
332 ($1,212)$110$1,102$32,373
333 ($1,212)$106$1,106$31,267
334 ($1,212)$102$1,109$30,157
335 ($1,212)$99$1,113$29,044
336 ($1,212)$95$1,117$27,927
Year 29 - 337 ($1,212)$91$1,120$26,807
338 ($1,212)$88$1,124$25,683
339 ($1,212)$84$1,128$24,555
340 ($1,212)$80$1,131$23,424
341 ($1,212)$77$1,135$22,289
342 ($1,212)$73$1,139$21,150
343 ($1,212)$69$1,143$20,007
344 ($1,212)$66$1,146$18,861
345 ($1,212)$62$1,150$17,711
346 ($1,212)$58$1,154$16,557
347 ($1,212)$54$1,158$15,399
348 ($1,212)$50$1,161$14,238
Year 30 - 349 ($1,212)$47$1,165$13,072
350 ($1,212)$43$1,169$11,903
351 ($1,212)$39$1,173$10,730
352 ($1,212)$35$1,177$9,554
353 ($1,212)$31$1,181$8,373
354 ($1,212)$27$1,184$7,189
355 ($1,212)$24$1,188$6,000
356 ($1,212)$20$1,192$4,808
357 ($1,212)$16$1,196$3,612
358 ($1,212)$12$1,200$2,412
359 ($1,212)$8$1,204$1,208
360 ($1,212)$4$1,208$0
TOTALS$180,275$256,000$436,275

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.