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Mortgage Payment Schedule for a $345,000 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% ($69,000) 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
$1,321 360 $199,506 $475,506

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $345,000
Down Payment $69,000$276,000
Year 1 - 1 ($1,321)$925$396$275,604
2 ($1,321)$923$398$275,206
3 ($1,321)$922$399$274,807
4 ($1,321)$921$400$274,407
5 ($1,321)$919$402$274,005
6 ($1,321)$918$403$273,602
7 ($1,321)$917$404$273,198
8 ($1,321)$915$406$272,793
9 ($1,321)$914$407$272,386
10 ($1,321)$912$408$271,977
11 ($1,321)$911$410$271,567
12 ($1,321)$910$411$271,156
Year 2 - 13 ($1,321)$908$412$270,744
14 ($1,321)$907$414$270,330
15 ($1,321)$906$415$269,915
16 ($1,321)$904$417$269,498
17 ($1,321)$903$418$269,080
18 ($1,321)$901$419$268,661
19 ($1,321)$900$421$268,240
20 ($1,321)$899$422$267,818
21 ($1,321)$897$424$267,394
22 ($1,321)$896$425$266,969
23 ($1,321)$894$427$266,542
24 ($1,321)$893$428$266,114
Year 3 - 25 ($1,321)$891$429$265,685
26 ($1,321)$890$431$265,254
27 ($1,321)$889$432$264,822
28 ($1,321)$887$434$264,388
29 ($1,321)$886$435$263,953
30 ($1,321)$884$437$263,517
31 ($1,321)$883$438$263,079
32 ($1,321)$881$440$262,639
33 ($1,321)$880$441$262,198
34 ($1,321)$878$442$261,755
35 ($1,321)$877$444$261,312
36 ($1,321)$875$445$260,866
Year 4 - 37 ($1,321)$874$447$260,419
38 ($1,321)$872$448$259,971
39 ($1,321)$871$450$259,521
40 ($1,321)$869$451$259,069
41 ($1,321)$868$453$258,616
42 ($1,321)$866$454$258,162
43 ($1,321)$865$456$257,706
44 ($1,321)$863$458$257,248
45 ($1,321)$862$459$256,789
46 ($1,321)$860$461$256,329
47 ($1,321)$859$462$255,866
48 ($1,321)$857$464$255,403
Year 5 - 49 ($1,321)$856$465$254,937
50 ($1,321)$854$467$254,471
51 ($1,321)$852$468$254,002
52 ($1,321)$851$470$253,532
53 ($1,321)$849$472$253,061
54 ($1,321)$848$473$252,588
55 ($1,321)$846$475$252,113
56 ($1,321)$845$476$251,637
57 ($1,321)$843$478$251,159
58 ($1,321)$841$479$250,679
59 ($1,321)$840$481$250,198
60 ($1,321)$838$483$249,716
Year 6 - 61 ($1,321)$837$484$249,231
62 ($1,321)$835$486$248,745
63 ($1,321)$833$488$248,258
64 ($1,321)$832$489$247,769
65 ($1,321)$830$491$247,278
66 ($1,321)$828$492$246,785
67 ($1,321)$827$494$246,291
68 ($1,321)$825$496$245,796
69 ($1,321)$823$497$245,298
70 ($1,321)$822$499$244,799
71 ($1,321)$820$501$244,298
72 ($1,321)$818$502$243,796
Year 7 - 73 ($1,321)$817$504$243,292
74 ($1,321)$815$506$242,786
75 ($1,321)$813$508$242,278
76 ($1,321)$812$509$241,769
77 ($1,321)$810$511$241,258
78 ($1,321)$808$513$240,746
79 ($1,321)$806$514$240,231
80 ($1,321)$805$516$239,715
81 ($1,321)$803$518$239,197
82 ($1,321)$801$520$238,678
83 ($1,321)$800$521$238,156
84 ($1,321)$798$523$237,633
Year 8 - 85 ($1,321)$796$525$237,109
86 ($1,321)$794$527$236,582
87 ($1,321)$793$528$236,054
88 ($1,321)$791$530$235,524
89 ($1,321)$789$532$234,992
90 ($1,321)$787$534$234,458
91 ($1,321)$785$535$233,923
92 ($1,321)$784$537$233,386
93 ($1,321)$782$539$232,847
94 ($1,321)$780$541$232,306
95 ($1,321)$778$543$231,763
96 ($1,321)$776$544$231,219
Year 9 - 97 ($1,321)$775$546$230,672
98 ($1,321)$773$548$230,124
99 ($1,321)$771$550$229,574
100 ($1,321)$769$552$229,023
101 ($1,321)$767$554$228,469
102 ($1,321)$765$555$227,914
103 ($1,321)$764$557$227,356
104 ($1,321)$762$559$226,797
105 ($1,321)$760$561$226,236
106 ($1,321)$758$563$225,673
107 ($1,321)$756$565$225,108
108 ($1,321)$754$567$224,541
Year 10 - 109 ($1,321)$752$569$223,973
110 ($1,321)$750$571$223,402
111 ($1,321)$748$572$222,830
112 ($1,321)$746$574$222,255
113 ($1,321)$745$576$221,679
114 ($1,321)$743$578$221,101
115 ($1,321)$741$580$220,521
116 ($1,321)$739$582$219,939
117 ($1,321)$737$584$219,355
118 ($1,321)$735$586$218,769
119 ($1,321)$733$588$218,181
120 ($1,321)$731$590$217,591
Year 11 - 121 ($1,321)$729$592$216,999
122 ($1,321)$727$594$216,405
123 ($1,321)$725$596$215,809
124 ($1,321)$723$598$215,211
125 ($1,321)$721$600$214,611
126 ($1,321)$719$602$214,009
127 ($1,321)$717$604$213,405
128 ($1,321)$715$606$212,799
129 ($1,321)$713$608$212,191
130 ($1,321)$711$610$211,581
131 ($1,321)$709$612$210,969
132 ($1,321)$707$614$210,355
Year 12 - 133 ($1,321)$705$616$209,739
134 ($1,321)$703$618$209,121
135 ($1,321)$701$620$208,501
136 ($1,321)$698$622$207,878
137 ($1,321)$696$624$207,254
138 ($1,321)$694$627$206,627
139 ($1,321)$692$629$205,998
140 ($1,321)$690$631$205,368
141 ($1,321)$688$633$204,735
142 ($1,321)$686$635$204,100
143 ($1,321)$684$637$203,463
144 ($1,321)$682$639$202,824
Year 13 - 145 ($1,321)$679$641$202,182
146 ($1,321)$677$644$201,539
147 ($1,321)$675$646$200,893
148 ($1,321)$673$648$200,245
149 ($1,321)$671$650$199,595
150 ($1,321)$669$652$198,943
151 ($1,321)$666$654$198,288
152 ($1,321)$664$657$197,632
153 ($1,321)$662$659$196,973
154 ($1,321)$660$661$196,312
155 ($1,321)$658$663$195,649
156 ($1,321)$655$665$194,983
Year 14 - 157 ($1,321)$653$668$194,316
158 ($1,321)$651$670$193,646
159 ($1,321)$649$672$192,974
160 ($1,321)$646$674$192,299
161 ($1,321)$644$677$191,623
162 ($1,321)$642$679$190,944
163 ($1,321)$640$681$190,263
164 ($1,321)$637$683$189,579
165 ($1,321)$635$686$188,893
166 ($1,321)$633$688$188,205
167 ($1,321)$630$690$187,515
168 ($1,321)$628$693$186,822
Year 15 - 169 ($1,321)$626$695$186,127
170 ($1,321)$624$697$185,430
171 ($1,321)$621$700$184,730
172 ($1,321)$619$702$184,028
173 ($1,321)$616$704$183,324
174 ($1,321)$614$707$182,617
175 ($1,321)$612$709$181,908
176 ($1,321)$609$711$181,197
177 ($1,321)$607$714$180,483
178 ($1,321)$605$716$179,767
179 ($1,321)$602$719$179,048
180 ($1,321)$600$721$178,327
Year 16 - 181 ($1,321)$597$723$177,603
182 ($1,321)$595$726$176,878
183 ($1,321)$593$728$176,149
184 ($1,321)$590$731$175,419
185 ($1,321)$588$733$174,685
186 ($1,321)$585$736$173,950
187 ($1,321)$583$738$173,212
188 ($1,321)$580$741$172,471
189 ($1,321)$578$743$171,728
190 ($1,321)$575$746$170,982
191 ($1,321)$573$748$170,234
192 ($1,321)$570$751$169,484
Year 17 - 193 ($1,321)$568$753$168,731
194 ($1,321)$565$756$167,975
195 ($1,321)$563$758$167,217
196 ($1,321)$560$761$166,456
197 ($1,321)$558$763$165,693
198 ($1,321)$555$766$164,927
199 ($1,321)$553$768$164,159
200 ($1,321)$550$771$163,388
201 ($1,321)$547$774$162,614
202 ($1,321)$545$776$161,838
203 ($1,321)$542$779$161,060
204 ($1,321)$540$781$160,278
Year 18 - 205 ($1,321)$537$784$159,494
206 ($1,321)$534$787$158,708
207 ($1,321)$532$789$157,919
208 ($1,321)$529$792$157,127
209 ($1,321)$526$794$156,332
210 ($1,321)$524$797$155,535
211 ($1,321)$521$800$154,735
212 ($1,321)$518$802$153,933
213 ($1,321)$516$805$153,128
214 ($1,321)$513$808$152,320
215 ($1,321)$510$811$151,509
216 ($1,321)$508$813$150,696
Year 19 - 217 ($1,321)$505$816$149,880
218 ($1,321)$502$819$149,061
219 ($1,321)$499$821$148,240
220 ($1,321)$497$824$147,416
221 ($1,321)$494$827$146,589
222 ($1,321)$491$830$145,759
223 ($1,321)$488$833$144,926
224 ($1,321)$486$835$144,091
225 ($1,321)$483$838$143,253
226 ($1,321)$480$841$142,412
227 ($1,321)$477$844$141,568
228 ($1,321)$474$847$140,721
Year 20 - 229 ($1,321)$471$849$139,872
230 ($1,321)$469$852$139,020
231 ($1,321)$466$855$138,165
232 ($1,321)$463$858$137,307
233 ($1,321)$460$861$136,446
234 ($1,321)$457$864$135,582
235 ($1,321)$454$867$134,715
236 ($1,321)$451$870$133,846
237 ($1,321)$448$872$132,973
238 ($1,321)$445$875$132,098
239 ($1,321)$443$878$131,220
240 ($1,321)$440$881$130,338
Year 21 - 241 ($1,321)$437$884$129,454
242 ($1,321)$434$887$128,567
243 ($1,321)$431$890$127,677
244 ($1,321)$428$893$126,784
245 ($1,321)$425$896$125,887
246 ($1,321)$422$899$124,988
247 ($1,321)$419$902$124,086
248 ($1,321)$416$905$123,181
249 ($1,321)$413$908$122,273
250 ($1,321)$410$911$121,362
251 ($1,321)$407$914$120,447
252 ($1,321)$403$917$119,530
Year 22 - 253 ($1,321)$400$920$118,610
254 ($1,321)$397$924$117,686
255 ($1,321)$394$927$116,759
256 ($1,321)$391$930$115,830
257 ($1,321)$388$933$114,897
258 ($1,321)$385$936$113,961
259 ($1,321)$382$939$113,022
260 ($1,321)$379$942$112,080
261 ($1,321)$375$945$111,134
262 ($1,321)$372$949$110,186
263 ($1,321)$369$952$109,234
264 ($1,321)$366$955$108,279
Year 23 - 265 ($1,321)$363$958$107,321
266 ($1,321)$360$961$106,360
267 ($1,321)$356$965$105,395
268 ($1,321)$353$968$104,427
269 ($1,321)$350$971$103,456
270 ($1,321)$347$974$102,482
271 ($1,321)$343$978$101,504
272 ($1,321)$340$981$100,524
273 ($1,321)$337$984$99,540
274 ($1,321)$333$987$98,552
275 ($1,321)$330$991$97,561
276 ($1,321)$327$994$96,567
Year 24 - 277 ($1,321)$324$997$95,570
278 ($1,321)$320$1,001$94,569
279 ($1,321)$317$1,004$93,565
280 ($1,321)$313$1,007$92,558
281 ($1,321)$310$1,011$91,547
282 ($1,321)$307$1,014$90,533
283 ($1,321)$303$1,018$89,515
284 ($1,321)$300$1,021$88,494
285 ($1,321)$296$1,024$87,470
286 ($1,321)$293$1,028$86,442
287 ($1,321)$290$1,031$85,411
288 ($1,321)$286$1,035$84,376
Year 25 - 289 ($1,321)$283$1,038$83,338
290 ($1,321)$279$1,042$82,296
291 ($1,321)$276$1,045$81,251
292 ($1,321)$272$1,049$80,203
293 ($1,321)$269$1,052$79,150
294 ($1,321)$265$1,056$78,095
295 ($1,321)$262$1,059$77,035
296 ($1,321)$258$1,063$75,973
297 ($1,321)$255$1,066$74,906
298 ($1,321)$251$1,070$73,836
299 ($1,321)$247$1,073$72,763
300 ($1,321)$244$1,077$71,686
Year 26 - 301 ($1,321)$240$1,081$70,605
302 ($1,321)$237$1,084$69,521
303 ($1,321)$233$1,088$68,433
304 ($1,321)$229$1,092$67,341
305 ($1,321)$226$1,095$66,246
306 ($1,321)$222$1,099$65,147
307 ($1,321)$218$1,103$64,044
308 ($1,321)$215$1,106$62,938
309 ($1,321)$211$1,110$61,828
310 ($1,321)$207$1,114$60,714
311 ($1,321)$203$1,117$59,597
312 ($1,321)$200$1,121$58,476
Year 27 - 313 ($1,321)$196$1,125$57,351
314 ($1,321)$192$1,129$56,222
315 ($1,321)$188$1,133$55,090
316 ($1,321)$185$1,136$53,953
317 ($1,321)$181$1,140$52,813
318 ($1,321)$177$1,144$51,669
319 ($1,321)$173$1,148$50,521
320 ($1,321)$169$1,152$49,370
321 ($1,321)$165$1,155$48,214
322 ($1,321)$162$1,159$47,055
323 ($1,321)$158$1,163$45,892
324 ($1,321)$154$1,167$44,725
Year 28 - 325 ($1,321)$150$1,171$43,554
326 ($1,321)$146$1,175$42,379
327 ($1,321)$142$1,179$41,200
328 ($1,321)$138$1,183$40,017
329 ($1,321)$134$1,187$38,830
330 ($1,321)$130$1,191$37,639
331 ($1,321)$126$1,195$36,445
332 ($1,321)$122$1,199$35,246
333 ($1,321)$118$1,203$34,043
334 ($1,321)$114$1,207$32,836
335 ($1,321)$110$1,211$31,626
336 ($1,321)$106$1,215$30,411
Year 29 - 337 ($1,321)$102$1,219$29,192
338 ($1,321)$98$1,223$27,969
339 ($1,321)$94$1,227$26,741
340 ($1,321)$90$1,231$25,510
341 ($1,321)$85$1,235$24,275
342 ($1,321)$81$1,240$23,035
343 ($1,321)$77$1,244$21,792
344 ($1,321)$73$1,248$20,544
345 ($1,321)$69$1,252$19,292
346 ($1,321)$65$1,256$18,035
347 ($1,321)$60$1,260$16,775
348 ($1,321)$56$1,265$15,510
Year 30 - 349 ($1,321)$52$1,269$14,242
350 ($1,321)$48$1,273$12,968
351 ($1,321)$43$1,277$11,691
352 ($1,321)$39$1,282$10,409
353 ($1,321)$35$1,286$9,123
354 ($1,321)$31$1,290$7,833
355 ($1,321)$26$1,295$6,538
356 ($1,321)$22$1,299$5,239
357 ($1,321)$18$1,303$3,936
358 ($1,321)$13$1,308$2,628
359 ($1,321)$9$1,312$1,316
360 ($1,321)$4$1,316$0
TOTALS$199,506$276,000$475,506

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.