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Mortgage Payment Schedule for a $354,000 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 14, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($70,800) may require pre-mortgage insurance


3.78% is current rate for 30-year fixed
3.08% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,316 360 $190,693 $473,893

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,162 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 #: 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 #: 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 #: 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 #: 122701 | State Lic #: MC-1186
$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 #: 258821
$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: 3.761% | Rate: 3.750% | Fees: $330 | 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

NMLS #: 417490
$1,192 /mo
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30 yr fixed mtg, 0 points | APR: 3.993% | Rate: 3.990% | Fees: $102 | 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 #: 898791
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.802% | Rate: 3.750% | Fees: $1,595 | 60 day rate lock

NMLS #: 67717
$1,194 /mo
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Next
30 yr fixed mtg, 0 points | APR: 4.000% | Rate: 4.000% | 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  $354,000
Down Payment $70,800$283,200
Year 1 - 1 ($1,316)$892$424$282,776
2 ($1,316)$891$426$282,350
3 ($1,316)$889$427$281,923
4 ($1,316)$888$428$281,495
5 ($1,316)$887$430$281,065
6 ($1,316)$885$431$280,634
7 ($1,316)$884$432$280,202
8 ($1,316)$883$434$279,768
9 ($1,316)$881$435$279,333
10 ($1,316)$880$436$278,896
11 ($1,316)$879$438$278,459
12 ($1,316)$877$439$278,019
Year 2 - 13 ($1,316)$876$441$277,579
14 ($1,316)$874$442$277,137
15 ($1,316)$873$443$276,693
16 ($1,316)$872$445$276,249
17 ($1,316)$870$446$275,802
18 ($1,316)$869$448$275,355
19 ($1,316)$867$449$274,906
20 ($1,316)$866$450$274,455
21 ($1,316)$865$452$274,004
22 ($1,316)$863$453$273,550
23 ($1,316)$862$455$273,096
24 ($1,316)$860$456$272,640
Year 3 - 25 ($1,316)$859$458$272,182
26 ($1,316)$857$459$271,723
27 ($1,316)$856$460$271,263
28 ($1,316)$854$462$270,801
29 ($1,316)$853$463$270,337
30 ($1,316)$852$465$269,872
31 ($1,316)$850$466$269,406
32 ($1,316)$849$468$268,938
33 ($1,316)$847$469$268,469
34 ($1,316)$846$471$267,999
35 ($1,316)$844$472$267,526
36 ($1,316)$843$474$267,053
Year 4 - 37 ($1,316)$841$475$266,578
38 ($1,316)$840$477$266,101
39 ($1,316)$838$478$265,623
40 ($1,316)$837$480$265,143
41 ($1,316)$835$481$264,662
42 ($1,316)$834$483$264,179
43 ($1,316)$832$484$263,695
44 ($1,316)$831$486$263,209
45 ($1,316)$829$487$262,722
46 ($1,316)$828$489$262,233
47 ($1,316)$826$490$261,743
48 ($1,316)$824$492$261,251
Year 5 - 49 ($1,316)$823$493$260,758
50 ($1,316)$821$495$260,263
51 ($1,316)$820$497$259,766
52 ($1,316)$818$498$259,268
53 ($1,316)$817$500$258,768
54 ($1,316)$815$501$258,267
55 ($1,316)$814$503$257,764
56 ($1,316)$812$504$257,260
57 ($1,316)$810$506$256,754
58 ($1,316)$809$508$256,246
59 ($1,316)$807$509$255,737
60 ($1,316)$806$511$255,226
Year 6 - 61 ($1,316)$804$512$254,714
62 ($1,316)$802$514$254,200
63 ($1,316)$801$516$253,684
64 ($1,316)$799$517$253,167
65 ($1,316)$797$519$252,648
66 ($1,316)$796$521$252,128
67 ($1,316)$794$522$251,605
68 ($1,316)$793$524$251,082
69 ($1,316)$791$525$250,556
70 ($1,316)$789$527$250,029
71 ($1,316)$788$529$249,500
72 ($1,316)$786$530$248,970
Year 7 - 73 ($1,316)$784$532$248,438
74 ($1,316)$783$534$247,904
75 ($1,316)$781$535$247,368
76 ($1,316)$779$537$246,831
77 ($1,316)$778$539$246,292
78 ($1,316)$776$541$245,752
79 ($1,316)$774$542$245,210
80 ($1,316)$772$544$244,666
81 ($1,316)$771$546$244,120
82 ($1,316)$769$547$243,573
83 ($1,316)$767$549$243,023
84 ($1,316)$766$551$242,473
Year 8 - 85 ($1,316)$764$553$241,920
86 ($1,316)$762$554$241,366
87 ($1,316)$760$556$240,810
88 ($1,316)$759$558$240,252
89 ($1,316)$757$560$239,692
90 ($1,316)$755$561$239,131
91 ($1,316)$753$563$238,568
92 ($1,316)$751$565$238,003
93 ($1,316)$750$567$237,436
94 ($1,316)$748$568$236,868
95 ($1,316)$746$570$236,298
96 ($1,316)$744$572$235,726
Year 9 - 97 ($1,316)$743$574$235,152
98 ($1,316)$741$576$234,576
99 ($1,316)$739$577$233,999
100 ($1,316)$737$579$233,419
101 ($1,316)$735$581$232,838
102 ($1,316)$733$583$232,255
103 ($1,316)$732$585$231,671
104 ($1,316)$730$587$231,084
105 ($1,316)$728$588$230,495
106 ($1,316)$726$590$229,905
107 ($1,316)$724$592$229,313
108 ($1,316)$722$594$228,719
Year 10 - 109 ($1,316)$720$596$228,123
110 ($1,316)$719$598$227,525
111 ($1,316)$717$600$226,926
112 ($1,316)$715$602$226,324
113 ($1,316)$713$603$225,721
114 ($1,316)$711$605$225,115
115 ($1,316)$709$607$224,508
116 ($1,316)$707$609$223,899
117 ($1,316)$705$611$223,288
118 ($1,316)$703$613$222,675
119 ($1,316)$701$615$222,060
120 ($1,316)$699$617$221,443
Year 11 - 121 ($1,316)$698$619$220,824
122 ($1,316)$696$621$220,203
123 ($1,316)$694$623$219,581
124 ($1,316)$692$625$218,956
125 ($1,316)$690$627$218,329
126 ($1,316)$688$629$217,701
127 ($1,316)$686$631$217,070
128 ($1,316)$684$633$216,437
129 ($1,316)$682$635$215,803
130 ($1,316)$680$637$215,166
131 ($1,316)$678$639$214,528
132 ($1,316)$676$641$213,887
Year 12 - 133 ($1,316)$674$643$213,244
134 ($1,316)$672$645$212,600
135 ($1,316)$670$647$211,953
136 ($1,316)$668$649$211,304
137 ($1,316)$666$651$210,654
138 ($1,316)$664$653$210,001
139 ($1,316)$662$655$209,346
140 ($1,316)$659$657$208,689
141 ($1,316)$657$659$208,030
142 ($1,316)$655$661$207,369
143 ($1,316)$653$663$206,706
144 ($1,316)$651$665$206,040
Year 13 - 145 ($1,316)$649$667$205,373
146 ($1,316)$647$669$204,704
147 ($1,316)$645$672$204,032
148 ($1,316)$643$674$203,358
149 ($1,316)$641$676$202,683
150 ($1,316)$638$678$202,005
151 ($1,316)$636$680$201,325
152 ($1,316)$634$682$200,643
153 ($1,316)$632$684$199,958
154 ($1,316)$630$687$199,272
155 ($1,316)$628$689$198,583
156 ($1,316)$626$691$197,892
Year 14 - 157 ($1,316)$623$693$197,199
158 ($1,316)$621$695$196,504
159 ($1,316)$619$697$195,807
160 ($1,316)$617$700$195,107
161 ($1,316)$615$702$194,405
162 ($1,316)$612$704$193,701
163 ($1,316)$610$706$192,995
164 ($1,316)$608$708$192,287
165 ($1,316)$606$711$191,576
166 ($1,316)$603$713$190,863
167 ($1,316)$601$715$190,148
168 ($1,316)$599$717$189,430
Year 15 - 169 ($1,316)$597$720$188,711
170 ($1,316)$594$722$187,989
171 ($1,316)$592$724$187,265
172 ($1,316)$590$726$186,538
173 ($1,316)$588$729$185,809
174 ($1,316)$585$731$185,078
175 ($1,316)$583$733$184,345
176 ($1,316)$581$736$183,609
177 ($1,316)$578$738$182,871
178 ($1,316)$576$740$182,131
179 ($1,316)$574$743$181,388
180 ($1,316)$571$745$180,643
Year 16 - 181 ($1,316)$569$747$179,896
182 ($1,316)$567$750$179,146
183 ($1,316)$564$752$178,394
184 ($1,316)$562$754$177,640
185 ($1,316)$560$757$176,883
186 ($1,316)$557$759$176,124
187 ($1,316)$555$762$175,362
188 ($1,316)$552$764$174,598
189 ($1,316)$550$766$173,832
190 ($1,316)$548$769$173,063
191 ($1,316)$545$771$172,292
192 ($1,316)$543$774$171,518
Year 17 - 193 ($1,316)$540$776$170,742
194 ($1,316)$538$779$169,964
195 ($1,316)$535$781$169,183
196 ($1,316)$533$783$168,399
197 ($1,316)$530$786$167,613
198 ($1,316)$528$788$166,825
199 ($1,316)$525$791$166,034
200 ($1,316)$523$793$165,241
201 ($1,316)$521$796$164,445
202 ($1,316)$518$798$163,646
203 ($1,316)$515$801$162,846
204 ($1,316)$513$803$162,042
Year 18 - 205 ($1,316)$510$806$161,236
206 ($1,316)$508$808$160,428
207 ($1,316)$505$811$159,617
208 ($1,316)$503$814$158,803
209 ($1,316)$500$816$157,987
210 ($1,316)$498$819$157,168
211 ($1,316)$495$821$156,347
212 ($1,316)$492$824$155,523
213 ($1,316)$490$826$154,697
214 ($1,316)$487$829$153,868
215 ($1,316)$485$832$153,036
216 ($1,316)$482$834$152,202
Year 19 - 217 ($1,316)$479$837$151,365
218 ($1,316)$477$840$150,525
219 ($1,316)$474$842$149,683
220 ($1,316)$472$845$148,838
221 ($1,316)$469$848$147,990
222 ($1,316)$466$850$147,140
223 ($1,316)$463$853$146,287
224 ($1,316)$461$856$145,432
225 ($1,316)$458$858$144,574
226 ($1,316)$455$861$143,713
227 ($1,316)$453$864$142,849
228 ($1,316)$450$866$141,982
Year 20 - 229 ($1,316)$447$869$141,113
230 ($1,316)$445$872$140,242
231 ($1,316)$442$875$139,367
232 ($1,316)$439$877$138,490
233 ($1,316)$436$880$137,609
234 ($1,316)$433$883$136,727
235 ($1,316)$431$886$135,841
236 ($1,316)$428$888$134,952
237 ($1,316)$425$891$134,061
238 ($1,316)$422$894$133,167
239 ($1,316)$419$897$132,270
240 ($1,316)$417$900$131,370
Year 21 - 241 ($1,316)$414$903$130,468
242 ($1,316)$411$905$129,562
243 ($1,316)$408$908$128,654
244 ($1,316)$405$911$127,743
245 ($1,316)$402$914$126,829
246 ($1,316)$400$917$125,912
247 ($1,316)$397$920$124,993
248 ($1,316)$394$923$124,070
249 ($1,316)$391$926$123,144
250 ($1,316)$388$928$122,216
251 ($1,316)$385$931$121,284
252 ($1,316)$382$934$120,350
Year 22 - 253 ($1,316)$379$937$119,413
254 ($1,316)$376$940$118,473
255 ($1,316)$373$943$117,529
256 ($1,316)$370$946$116,583
257 ($1,316)$367$949$115,634
258 ($1,316)$364$952$114,682
259 ($1,316)$361$955$113,727
260 ($1,316)$358$958$112,769
261 ($1,316)$355$961$111,808
262 ($1,316)$352$964$110,844
263 ($1,316)$349$967$109,876
264 ($1,316)$346$970$108,906
Year 23 - 265 ($1,316)$343$973$107,933
266 ($1,316)$340$976$106,956
267 ($1,316)$337$979$105,977
268 ($1,316)$334$983$104,994
269 ($1,316)$331$986$104,009
270 ($1,316)$328$989$103,020
271 ($1,316)$325$992$102,028
272 ($1,316)$321$995$101,033
273 ($1,316)$318$998$100,035
274 ($1,316)$315$1,001$99,034
275 ($1,316)$312$1,004$98,029
276 ($1,316)$309$1,008$97,022
Year 24 - 277 ($1,316)$306$1,011$96,011
278 ($1,316)$302$1,014$94,997
279 ($1,316)$299$1,017$93,980
280 ($1,316)$296$1,020$92,960
281 ($1,316)$293$1,024$91,936
282 ($1,316)$290$1,027$90,909
283 ($1,316)$286$1,030$89,879
284 ($1,316)$283$1,033$88,846
285 ($1,316)$280$1,037$87,810
286 ($1,316)$277$1,040$86,770
287 ($1,316)$273$1,043$85,727
288 ($1,316)$270$1,046$84,680
Year 25 - 289 ($1,316)$267$1,050$83,631
290 ($1,316)$263$1,053$82,578
291 ($1,316)$260$1,056$81,522
292 ($1,316)$257$1,060$80,462
293 ($1,316)$253$1,063$79,399
294 ($1,316)$250$1,066$78,333
295 ($1,316)$247$1,070$77,263
296 ($1,316)$243$1,073$76,190
297 ($1,316)$240$1,076$75,114
298 ($1,316)$237$1,080$74,034
299 ($1,316)$233$1,083$72,951
300 ($1,316)$230$1,087$71,864
Year 26 - 301 ($1,316)$226$1,090$70,774
302 ($1,316)$223$1,093$69,681
303 ($1,316)$219$1,097$68,584
304 ($1,316)$216$1,100$67,484
305 ($1,316)$213$1,104$66,380
306 ($1,316)$209$1,107$65,273
307 ($1,316)$206$1,111$64,162
308 ($1,316)$202$1,114$63,048
309 ($1,316)$199$1,118$61,930
310 ($1,316)$195$1,121$60,809
311 ($1,316)$192$1,125$59,684
312 ($1,316)$188$1,128$58,555
Year 27 - 313 ($1,316)$184$1,132$57,423
314 ($1,316)$181$1,135$56,288
315 ($1,316)$177$1,139$55,149
316 ($1,316)$174$1,143$54,006
317 ($1,316)$170$1,146$52,860
318 ($1,316)$167$1,150$51,710
319 ($1,316)$163$1,153$50,557
320 ($1,316)$159$1,157$49,400
321 ($1,316)$156$1,161$48,239
322 ($1,316)$152$1,164$47,074
323 ($1,316)$148$1,168$45,906
324 ($1,316)$145$1,172$44,735
Year 28 - 325 ($1,316)$141$1,175$43,559
326 ($1,316)$137$1,179$42,380
327 ($1,316)$133$1,183$41,197
328 ($1,316)$130$1,187$40,010
329 ($1,316)$126$1,190$38,820
330 ($1,316)$122$1,194$37,626
331 ($1,316)$119$1,198$36,428
332 ($1,316)$115$1,202$35,227
333 ($1,316)$111$1,205$34,021
334 ($1,316)$107$1,209$32,812
335 ($1,316)$103$1,213$31,599
336 ($1,316)$100$1,217$30,382
Year 29 - 337 ($1,316)$96$1,221$29,161
338 ($1,316)$92$1,225$27,937
339 ($1,316)$88$1,228$26,709
340 ($1,316)$84$1,232$25,476
341 ($1,316)$80$1,236$24,240
342 ($1,316)$76$1,240$23,000
343 ($1,316)$72$1,244$21,756
344 ($1,316)$69$1,248$20,508
345 ($1,316)$65$1,252$19,257
346 ($1,316)$61$1,256$18,001
347 ($1,316)$57$1,260$16,741
348 ($1,316)$53$1,264$15,478
Year 30 - 349 ($1,316)$49$1,268$14,210
350 ($1,316)$45$1,272$12,938
351 ($1,316)$41$1,276$11,663
352 ($1,316)$37$1,280$10,383
353 ($1,316)$33$1,284$9,100
354 ($1,316)$29$1,288$7,812
355 ($1,316)$25$1,292$6,520
356 ($1,316)$21$1,296$5,224
357 ($1,316)$16$1,300$3,924
358 ($1,316)$12$1,304$2,620
359 ($1,316)$8$1,308$1,312
360 ($1,316)$4$1,312$0
TOTALS$190,693$283,200$473,893

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.