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Mortgage Payment Schedule for a $324,000 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 May 18, 2017. Check Lending Tree to see current rates from multiple lenders.

Mortgage Parameters


Less than 20% ($64,800) may require pre-mortgage insurance


4.02% is current rate for 30-year fixed
3.27% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,240 360 $187,362 $446,562

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $324,000
Down Payment $64,800$259,200
Year 1 - 1 ($1,240)$868$372$258,828
2 ($1,240)$867$373$258,454
3 ($1,240)$866$375$258,080
4 ($1,240)$865$376$257,704
5 ($1,240)$863$377$257,327
6 ($1,240)$862$378$256,948
7 ($1,240)$861$380$256,569
8 ($1,240)$860$381$256,188
9 ($1,240)$858$382$255,806
10 ($1,240)$857$384$255,422
11 ($1,240)$856$385$255,037
12 ($1,240)$854$386$254,651
Year 2 - 13 ($1,240)$853$387$254,264
14 ($1,240)$852$389$253,875
15 ($1,240)$850$390$253,485
16 ($1,240)$849$391$253,094
17 ($1,240)$848$393$252,701
18 ($1,240)$847$394$252,307
19 ($1,240)$845$395$251,912
20 ($1,240)$844$397$251,516
21 ($1,240)$843$398$251,118
22 ($1,240)$841$399$250,719
23 ($1,240)$840$401$250,318
24 ($1,240)$839$402$249,916
Year 3 - 25 ($1,240)$837$403$249,513
26 ($1,240)$836$405$249,108
27 ($1,240)$835$406$248,702
28 ($1,240)$833$407$248,295
29 ($1,240)$832$409$247,886
30 ($1,240)$830$410$247,476
31 ($1,240)$829$411$247,065
32 ($1,240)$828$413$246,652
33 ($1,240)$826$414$246,238
34 ($1,240)$825$416$245,823
35 ($1,240)$824$417$245,406
36 ($1,240)$822$418$244,987
Year 4 - 37 ($1,240)$821$420$244,567
38 ($1,240)$819$421$244,146
39 ($1,240)$818$423$243,724
40 ($1,240)$816$424$243,300
41 ($1,240)$815$425$242,874
42 ($1,240)$814$427$242,448
43 ($1,240)$812$428$242,019
44 ($1,240)$811$430$241,590
45 ($1,240)$809$431$241,159
46 ($1,240)$808$433$240,726
47 ($1,240)$806$434$240,292
48 ($1,240)$805$435$239,856
Year 5 - 49 ($1,240)$804$437$239,420
50 ($1,240)$802$438$238,981
51 ($1,240)$801$440$238,541
52 ($1,240)$799$441$238,100
53 ($1,240)$798$443$237,657
54 ($1,240)$796$444$237,213
55 ($1,240)$795$446$236,767
56 ($1,240)$793$447$236,320
57 ($1,240)$792$449$235,871
58 ($1,240)$790$450$235,421
59 ($1,240)$789$452$234,969
60 ($1,240)$787$453$234,516
Year 6 - 61 ($1,240)$786$455$234,061
62 ($1,240)$784$456$233,604
63 ($1,240)$783$458$233,147
64 ($1,240)$781$459$232,687
65 ($1,240)$780$461$232,226
66 ($1,240)$778$462$231,764
67 ($1,240)$776$464$231,300
68 ($1,240)$775$466$230,834
69 ($1,240)$773$467$230,367
70 ($1,240)$772$469$229,898
71 ($1,240)$770$470$229,428
72 ($1,240)$769$472$228,956
Year 7 - 73 ($1,240)$767$473$228,483
74 ($1,240)$765$475$228,008
75 ($1,240)$764$477$227,531
76 ($1,240)$762$478$227,053
77 ($1,240)$761$480$226,573
78 ($1,240)$759$481$226,091
79 ($1,240)$757$483$225,608
80 ($1,240)$756$485$225,124
81 ($1,240)$754$486$224,637
82 ($1,240)$753$488$224,150
83 ($1,240)$751$490$223,660
84 ($1,240)$749$491$223,169
Year 8 - 85 ($1,240)$748$493$222,676
86 ($1,240)$746$494$222,181
87 ($1,240)$744$496$221,685
88 ($1,240)$743$498$221,188
89 ($1,240)$741$499$220,688
90 ($1,240)$739$501$220,187
91 ($1,240)$738$503$219,684
92 ($1,240)$736$505$219,180
93 ($1,240)$734$506$218,673
94 ($1,240)$733$508$218,165
95 ($1,240)$731$510$217,656
96 ($1,240)$729$511$217,145
Year 9 - 97 ($1,240)$727$513$216,632
98 ($1,240)$726$515$216,117
99 ($1,240)$724$516$215,600
100 ($1,240)$722$518$215,082
101 ($1,240)$721$520$214,562
102 ($1,240)$719$522$214,041
103 ($1,240)$717$523$213,517
104 ($1,240)$715$525$212,992
105 ($1,240)$714$527$212,465
106 ($1,240)$712$529$211,936
107 ($1,240)$710$530$211,406
108 ($1,240)$708$532$210,874
Year 10 - 109 ($1,240)$706$534$210,340
110 ($1,240)$705$536$209,804
111 ($1,240)$703$538$209,266
112 ($1,240)$701$539$208,727
113 ($1,240)$699$541$208,186
114 ($1,240)$697$543$207,643
115 ($1,240)$696$545$207,098
116 ($1,240)$694$547$206,551
117 ($1,240)$692$549$206,003
118 ($1,240)$690$550$205,452
119 ($1,240)$688$552$204,900
120 ($1,240)$686$554$204,346
Year 11 - 121 ($1,240)$685$556$203,790
122 ($1,240)$683$558$203,232
123 ($1,240)$681$560$202,673
124 ($1,240)$679$561$202,111
125 ($1,240)$677$563$201,548
126 ($1,240)$675$565$200,983
127 ($1,240)$673$567$200,415
128 ($1,240)$671$569$199,846
129 ($1,240)$669$571$199,275
130 ($1,240)$668$573$198,702
131 ($1,240)$666$575$198,128
132 ($1,240)$664$577$197,551
Year 12 - 133 ($1,240)$662$579$196,972
134 ($1,240)$660$581$196,392
135 ($1,240)$658$583$195,809
136 ($1,240)$656$584$195,225
137 ($1,240)$654$586$194,638
138 ($1,240)$652$588$194,050
139 ($1,240)$650$590$193,459
140 ($1,240)$648$592$192,867
141 ($1,240)$646$594$192,273
142 ($1,240)$644$596$191,676
143 ($1,240)$642$598$191,078
144 ($1,240)$640$600$190,478
Year 13 - 145 ($1,240)$638$602$189,875
146 ($1,240)$636$604$189,271
147 ($1,240)$634$606$188,665
148 ($1,240)$632$608$188,056
149 ($1,240)$630$610$187,446
150 ($1,240)$628$613$186,833
151 ($1,240)$626$615$186,219
152 ($1,240)$624$617$185,602
153 ($1,240)$622$619$184,983
154 ($1,240)$620$621$184,363
155 ($1,240)$618$623$183,740
156 ($1,240)$616$625$183,115
Year 14 - 157 ($1,240)$613$627$182,488
158 ($1,240)$611$629$181,859
159 ($1,240)$609$631$181,227
160 ($1,240)$607$633$180,594
161 ($1,240)$605$635$179,959
162 ($1,240)$603$638$179,321
163 ($1,240)$601$640$178,681
164 ($1,240)$599$642$178,040
165 ($1,240)$596$644$177,395
166 ($1,240)$594$646$176,749
167 ($1,240)$592$648$176,101
168 ($1,240)$590$651$175,450
Year 15 - 169 ($1,240)$588$653$174,798
170 ($1,240)$586$655$174,143
171 ($1,240)$583$657$173,486
172 ($1,240)$581$659$172,827
173 ($1,240)$579$661$172,165
174 ($1,240)$577$664$171,501
175 ($1,240)$575$666$170,835
176 ($1,240)$572$668$170,167
177 ($1,240)$570$670$169,497
178 ($1,240)$568$673$168,824
179 ($1,240)$566$675$168,149
180 ($1,240)$563$677$167,472
Year 16 - 181 ($1,240)$561$679$166,793
182 ($1,240)$559$682$166,111
183 ($1,240)$556$684$165,427
184 ($1,240)$554$686$164,741
185 ($1,240)$552$689$164,052
186 ($1,240)$550$691$163,361
187 ($1,240)$547$693$162,668
188 ($1,240)$545$696$161,973
189 ($1,240)$543$698$161,275
190 ($1,240)$540$700$160,575
191 ($1,240)$538$703$159,872
192 ($1,240)$536$705$159,167
Year 17 - 193 ($1,240)$533$707$158,460
194 ($1,240)$531$710$157,750
195 ($1,240)$528$712$157,038
196 ($1,240)$526$714$156,324
197 ($1,240)$524$717$155,607
198 ($1,240)$521$719$154,888
199 ($1,240)$519$722$154,167
200 ($1,240)$516$724$153,443
201 ($1,240)$514$726$152,716
202 ($1,240)$512$729$151,987
203 ($1,240)$509$731$151,256
204 ($1,240)$507$734$150,522
Year 18 - 205 ($1,240)$504$736$149,786
206 ($1,240)$502$739$149,047
207 ($1,240)$499$741$148,306
208 ($1,240)$497$744$147,563
209 ($1,240)$494$746$146,817
210 ($1,240)$492$749$146,068
211 ($1,240)$489$751$145,317
212 ($1,240)$487$754$144,563
213 ($1,240)$484$756$143,807
214 ($1,240)$482$759$143,048
215 ($1,240)$479$761$142,287
216 ($1,240)$477$764$141,523
Year 19 - 217 ($1,240)$474$766$140,757
218 ($1,240)$472$769$139,988
219 ($1,240)$469$771$139,216
220 ($1,240)$466$774$138,442
221 ($1,240)$464$777$137,666
222 ($1,240)$461$779$136,886
223 ($1,240)$459$782$136,105
224 ($1,240)$456$785$135,320
225 ($1,240)$453$787$134,533
226 ($1,240)$451$790$133,743
227 ($1,240)$448$792$132,951
228 ($1,240)$445$795$132,156
Year 20 - 229 ($1,240)$443$798$131,358
230 ($1,240)$440$800$130,558
231 ($1,240)$437$803$129,755
232 ($1,240)$435$806$128,949
233 ($1,240)$432$808$128,140
234 ($1,240)$429$811$127,329
235 ($1,240)$427$814$126,515
236 ($1,240)$424$817$125,699
237 ($1,240)$421$819$124,879
238 ($1,240)$418$822$124,057
239 ($1,240)$416$825$123,232
240 ($1,240)$413$828$122,405
Year 21 - 241 ($1,240)$410$830$121,574
242 ($1,240)$407$833$120,741
243 ($1,240)$404$836$119,905
244 ($1,240)$402$839$119,066
245 ($1,240)$399$842$118,225
246 ($1,240)$396$844$117,380
247 ($1,240)$393$847$116,533
248 ($1,240)$390$850$115,683
249 ($1,240)$388$853$114,830
250 ($1,240)$385$856$113,974
251 ($1,240)$382$859$113,116
252 ($1,240)$379$862$112,254
Year 22 - 253 ($1,240)$376$864$111,390
254 ($1,240)$373$867$110,523
255 ($1,240)$370$870$109,652
256 ($1,240)$367$873$108,779
257 ($1,240)$364$876$107,903
258 ($1,240)$361$879$107,024
259 ($1,240)$359$882$106,142
260 ($1,240)$356$885$105,257
261 ($1,240)$353$888$104,370
262 ($1,240)$350$891$103,479
263 ($1,240)$347$894$102,585
264 ($1,240)$344$897$101,688
Year 23 - 265 ($1,240)$341$900$100,788
266 ($1,240)$338$903$99,886
267 ($1,240)$335$906$98,980
268 ($1,240)$332$909$98,071
269 ($1,240)$329$912$97,159
270 ($1,240)$325$915$96,244
271 ($1,240)$322$918$95,326
272 ($1,240)$319$921$94,405
273 ($1,240)$316$924$93,481
274 ($1,240)$313$927$92,553
275 ($1,240)$310$930$91,623
276 ($1,240)$307$934$90,689
Year 24 - 277 ($1,240)$304$937$89,753
278 ($1,240)$301$940$88,813
279 ($1,240)$298$943$87,870
280 ($1,240)$294$946$86,924
281 ($1,240)$291$949$85,975
282 ($1,240)$288$952$85,022
283 ($1,240)$285$956$84,067
284 ($1,240)$282$959$83,108
285 ($1,240)$278$962$82,146
286 ($1,240)$275$965$81,181
287 ($1,240)$272$968$80,212
288 ($1,240)$269$972$79,240
Year 25 - 289 ($1,240)$265$975$78,265
290 ($1,240)$262$978$77,287
291 ($1,240)$259$982$76,305
292 ($1,240)$256$985$75,321
293 ($1,240)$252$988$74,333
294 ($1,240)$249$991$73,341
295 ($1,240)$246$995$72,346
296 ($1,240)$242$998$71,348
297 ($1,240)$239$1,001$70,347
298 ($1,240)$236$1,005$69,342
299 ($1,240)$232$1,008$68,334
300 ($1,240)$229$1,012$67,322
Year 26 - 301 ($1,240)$226$1,015$66,307
302 ($1,240)$222$1,018$65,289
303 ($1,240)$219$1,022$64,267
304 ($1,240)$215$1,025$63,242
305 ($1,240)$212$1,029$62,214
306 ($1,240)$208$1,032$61,182
307 ($1,240)$205$1,035$60,146
308 ($1,240)$201$1,039$59,107
309 ($1,240)$198$1,042$58,065
310 ($1,240)$195$1,046$57,019
311 ($1,240)$191$1,049$55,969
312 ($1,240)$187$1,053$54,916
Year 27 - 313 ($1,240)$184$1,056$53,860
314 ($1,240)$180$1,060$52,800
315 ($1,240)$177$1,064$51,736
316 ($1,240)$173$1,067$50,669
317 ($1,240)$170$1,071$49,598
318 ($1,240)$166$1,074$48,524
319 ($1,240)$163$1,078$47,446
320 ($1,240)$159$1,082$46,365
321 ($1,240)$155$1,085$45,280
322 ($1,240)$152$1,089$44,191
323 ($1,240)$148$1,092$43,098
324 ($1,240)$144$1,096$42,002
Year 28 - 325 ($1,240)$141$1,100$40,903
326 ($1,240)$137$1,103$39,799
327 ($1,240)$133$1,107$38,692
328 ($1,240)$130$1,111$37,581
329 ($1,240)$126$1,115$36,467
330 ($1,240)$122$1,118$35,348
331 ($1,240)$118$1,122$34,226
332 ($1,240)$115$1,126$33,101
333 ($1,240)$111$1,130$31,971
334 ($1,240)$107$1,133$30,838
335 ($1,240)$103$1,137$29,701
336 ($1,240)$99$1,141$28,560
Year 29 - 337 ($1,240)$96$1,145$27,415
338 ($1,240)$92$1,149$26,266
339 ($1,240)$88$1,152$25,114
340 ($1,240)$84$1,156$23,957
341 ($1,240)$80$1,160$22,797
342 ($1,240)$76$1,164$21,633
343 ($1,240)$72$1,168$20,465
344 ($1,240)$69$1,172$19,293
345 ($1,240)$65$1,176$18,117
346 ($1,240)$61$1,180$16,938
347 ($1,240)$57$1,184$15,754
348 ($1,240)$53$1,188$14,566
Year 30 - 349 ($1,240)$49$1,192$13,375
350 ($1,240)$45$1,196$12,179
351 ($1,240)$41$1,200$10,979
352 ($1,240)$37$1,204$9,776
353 ($1,240)$33$1,208$8,568
354 ($1,240)$29$1,212$7,356
355 ($1,240)$25$1,216$6,140
356 ($1,240)$21$1,220$4,921
357 ($1,240)$16$1,224$3,697
358 ($1,240)$12$1,228$2,468
359 ($1,240)$8$1,232$1,236
360 ($1,240)$4$1,236$0
TOTALS$187,362$259,200$446,562

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.