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Mortgage Payment Schedule for a $396,000 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 November 16, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($79,200) may require pre-mortgage insurance


3.95% is current rate for 30-year fixed
3.31% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,503 360 $224,400 $541,200

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,186 or less (zip code: 20149)


NMLS #: 168163 | State Lic #: MC3254
$1,123 /mo
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30 yr fixed mtg, 0 points | APR: 3.561% | Rate: 3.500% | Fees: $1,895 | 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 #: 1023 | State Lic #: MC-5814
$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 #: 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 #: 2890 | State Lic #: MC-3098
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.766% | Rate: 3.750% | Fees: $490 | 30 day rate lock

NMLS #: 66247 | State Lic #: MC-1825
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.766% | Rate: 3.750% | Fees: $487 | 30 day rate lock

NMLS #: 790396
$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 #: 424182
$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 #: 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 #: 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: 3.990% | Rate: 3.990% | Fees: $0 | 30 day rate lock

NMLS #: 227765 | State Lic #: MC-5920
$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.000% | Rate: 4.000% | Fees: $0 | 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: $870 | 45 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 #: 412915
$1,230 /mo
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30 yr fixed mtg, 0 points | APR: 4.308% | Rate: 4.250% | Fees: $1,710 | 60 day rate lock

$1,248 /mo
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30 yr fixed mtg, 0 points | APR: 4.375% | Rate: 4.375% | Fees: $0 | 30 day rate lock

$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.753% | Rate: 3.750% | Fees: $101 | 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  $396,000
Down Payment $79,200$316,800
Year 1 - 1 ($1,503)$1,043$461$316,339
2 ($1,503)$1,041$462$315,877
3 ($1,503)$1,040$464$315,414
4 ($1,503)$1,038$465$314,949
5 ($1,503)$1,037$467$314,482
6 ($1,503)$1,035$468$314,014
7 ($1,503)$1,034$470$313,544
8 ($1,503)$1,032$471$313,073
9 ($1,503)$1,031$473$312,600
10 ($1,503)$1,029$474$312,126
11 ($1,503)$1,027$476$311,650
12 ($1,503)$1,026$477$311,172
Year 2 - 13 ($1,503)$1,024$479$310,693
14 ($1,503)$1,023$481$310,213
15 ($1,503)$1,021$482$309,731
16 ($1,503)$1,020$484$309,247
17 ($1,503)$1,018$485$308,761
18 ($1,503)$1,016$487$308,274
19 ($1,503)$1,015$489$307,786
20 ($1,503)$1,013$490$307,296
21 ($1,503)$1,012$492$306,804
22 ($1,503)$1,010$493$306,310
23 ($1,503)$1,008$495$305,815
24 ($1,503)$1,007$497$305,319
Year 3 - 25 ($1,503)$1,005$498$304,820
26 ($1,503)$1,003$500$304,320
27 ($1,503)$1,002$502$303,819
28 ($1,503)$1,000$503$303,315
29 ($1,503)$998$505$302,810
30 ($1,503)$997$507$302,304
31 ($1,503)$995$508$301,796
32 ($1,503)$993$510$301,286
33 ($1,503)$992$512$300,774
34 ($1,503)$990$513$300,261
35 ($1,503)$988$515$299,746
36 ($1,503)$987$517$299,229
Year 4 - 37 ($1,503)$985$518$298,711
38 ($1,503)$983$520$298,191
39 ($1,503)$982$522$297,669
40 ($1,503)$980$524$297,145
41 ($1,503)$978$525$296,620
42 ($1,503)$976$527$296,093
43 ($1,503)$975$529$295,564
44 ($1,503)$973$530$295,034
45 ($1,503)$971$532$294,502
46 ($1,503)$969$534$293,968
47 ($1,503)$968$536$293,432
48 ($1,503)$966$537$292,895
Year 5 - 49 ($1,503)$964$539$292,356
50 ($1,503)$962$541$291,815
51 ($1,503)$961$543$291,272
52 ($1,503)$959$545$290,727
53 ($1,503)$957$546$290,181
54 ($1,503)$955$548$289,633
55 ($1,503)$953$550$289,083
56 ($1,503)$952$552$288,531
57 ($1,503)$950$554$287,977
58 ($1,503)$948$555$287,422
59 ($1,503)$946$557$286,865
60 ($1,503)$944$559$286,306
Year 6 - 61 ($1,503)$942$561$285,745
62 ($1,503)$941$563$285,182
63 ($1,503)$939$565$284,617
64 ($1,503)$937$566$284,051
65 ($1,503)$935$568$283,483
66 ($1,503)$933$570$282,912
67 ($1,503)$931$572$282,340
68 ($1,503)$929$574$281,766
69 ($1,503)$927$576$281,191
70 ($1,503)$926$578$280,613
71 ($1,503)$924$580$280,033
72 ($1,503)$922$582$279,452
Year 7 - 73 ($1,503)$920$583$278,868
74 ($1,503)$918$585$278,283
75 ($1,503)$916$587$277,695
76 ($1,503)$914$589$277,106
77 ($1,503)$912$591$276,515
78 ($1,503)$910$593$275,922
79 ($1,503)$908$595$275,327
80 ($1,503)$906$597$274,730
81 ($1,503)$904$599$274,131
82 ($1,503)$902$601$273,530
83 ($1,503)$900$603$272,927
84 ($1,503)$898$605$272,322
Year 8 - 85 ($1,503)$896$607$271,715
86 ($1,503)$894$609$271,106
87 ($1,503)$892$611$270,495
88 ($1,503)$890$613$269,882
89 ($1,503)$888$615$269,267
90 ($1,503)$886$617$268,650
91 ($1,503)$884$619$268,031
92 ($1,503)$882$621$267,410
93 ($1,503)$880$623$266,787
94 ($1,503)$878$625$266,162
95 ($1,503)$876$627$265,534
96 ($1,503)$874$629$264,905
Year 9 - 97 ($1,503)$872$631$264,274
98 ($1,503)$870$633$263,640
99 ($1,503)$868$636$263,005
100 ($1,503)$866$638$262,367
101 ($1,503)$864$640$261,728
102 ($1,503)$862$642$261,086
103 ($1,503)$859$644$260,442
104 ($1,503)$857$646$259,796
105 ($1,503)$855$648$259,148
106 ($1,503)$853$650$258,497
107 ($1,503)$851$652$257,845
108 ($1,503)$849$655$257,190
Year 10 - 109 ($1,503)$847$657$256,533
110 ($1,503)$844$659$255,875
111 ($1,503)$842$661$255,213
112 ($1,503)$840$663$254,550
113 ($1,503)$838$665$253,885
114 ($1,503)$836$668$253,217
115 ($1,503)$834$670$252,547
116 ($1,503)$831$672$251,875
117 ($1,503)$829$674$251,201
118 ($1,503)$827$676$250,525
119 ($1,503)$825$679$249,846
120 ($1,503)$822$681$249,165
Year 11 - 121 ($1,503)$820$683$248,482
122 ($1,503)$818$685$247,796
123 ($1,503)$816$688$247,109
124 ($1,503)$813$690$246,419
125 ($1,503)$811$692$245,727
126 ($1,503)$809$694$245,032
127 ($1,503)$807$697$244,335
128 ($1,503)$804$699$243,636
129 ($1,503)$802$701$242,935
130 ($1,503)$800$704$242,231
131 ($1,503)$797$706$241,525
132 ($1,503)$795$708$240,817
Year 12 - 133 ($1,503)$793$711$240,106
134 ($1,503)$790$713$239,393
135 ($1,503)$788$715$238,678
136 ($1,503)$786$718$237,960
137 ($1,503)$783$720$237,240
138 ($1,503)$781$722$236,518
139 ($1,503)$779$725$235,793
140 ($1,503)$776$727$235,066
141 ($1,503)$774$730$234,336
142 ($1,503)$771$732$233,604
143 ($1,503)$769$734$232,870
144 ($1,503)$767$737$232,133
Year 13 - 145 ($1,503)$764$739$231,394
146 ($1,503)$762$742$230,652
147 ($1,503)$759$744$229,908
148 ($1,503)$757$747$229,162
149 ($1,503)$754$749$228,412
150 ($1,503)$752$751$227,661
151 ($1,503)$749$754$226,907
152 ($1,503)$747$756$226,151
153 ($1,503)$744$759$225,392
154 ($1,503)$742$761$224,630
155 ($1,503)$739$764$223,866
156 ($1,503)$737$766$223,100
Year 14 - 157 ($1,503)$734$769$222,331
158 ($1,503)$732$771$221,559
159 ($1,503)$729$774$220,785
160 ($1,503)$727$777$220,009
161 ($1,503)$724$779$219,230
162 ($1,503)$722$782$218,448
163 ($1,503)$719$784$217,664
164 ($1,503)$716$787$216,877
165 ($1,503)$714$789$216,087
166 ($1,503)$711$792$215,295
167 ($1,503)$709$795$214,501
168 ($1,503)$706$797$213,703
Year 15 - 169 ($1,503)$703$800$212,904
170 ($1,503)$701$803$212,101
171 ($1,503)$698$805$211,296
172 ($1,503)$696$808$210,488
173 ($1,503)$693$810$209,678
174 ($1,503)$690$813$208,864
175 ($1,503)$688$816$208,049
176 ($1,503)$685$819$207,230
177 ($1,503)$682$821$206,409
178 ($1,503)$679$824$205,585
179 ($1,503)$677$827$204,758
180 ($1,503)$674$829$203,929
Year 16 - 181 ($1,503)$671$832$203,097
182 ($1,503)$669$835$202,262
183 ($1,503)$666$838$201,425
184 ($1,503)$663$840$200,584
185 ($1,503)$660$843$199,741
186 ($1,503)$657$846$198,895
187 ($1,503)$655$849$198,047
188 ($1,503)$652$851$197,195
189 ($1,503)$649$854$196,341
190 ($1,503)$646$857$195,484
191 ($1,503)$643$860$194,624
192 ($1,503)$641$863$193,761
Year 17 - 193 ($1,503)$638$866$192,896
194 ($1,503)$635$868$192,028
195 ($1,503)$632$871$191,156
196 ($1,503)$629$874$190,282
197 ($1,503)$626$877$189,405
198 ($1,503)$623$880$188,525
199 ($1,503)$621$883$187,643
200 ($1,503)$618$886$186,757
201 ($1,503)$615$889$185,868
202 ($1,503)$612$892$184,977
203 ($1,503)$609$894$184,082
204 ($1,503)$606$897$183,185
Year 18 - 205 ($1,503)$603$900$182,285
206 ($1,503)$600$903$181,381
207 ($1,503)$597$906$180,475
208 ($1,503)$594$909$179,566
209 ($1,503)$591$912$178,653
210 ($1,503)$588$915$177,738
211 ($1,503)$585$918$176,820
212 ($1,503)$582$921$175,899
213 ($1,503)$579$924$174,974
214 ($1,503)$576$927$174,047
215 ($1,503)$573$930$173,116
216 ($1,503)$570$933$172,183
Year 19 - 217 ($1,503)$567$937$171,246
218 ($1,503)$564$940$170,307
219 ($1,503)$561$943$169,364
220 ($1,503)$557$946$168,418
221 ($1,503)$554$949$167,469
222 ($1,503)$551$952$166,517
223 ($1,503)$548$955$165,562
224 ($1,503)$545$958$164,604
225 ($1,503)$542$962$163,642
226 ($1,503)$539$965$162,677
227 ($1,503)$535$968$161,710
228 ($1,503)$532$971$160,738
Year 20 - 229 ($1,503)$529$974$159,764
230 ($1,503)$526$977$158,787
231 ($1,503)$523$981$157,806
232 ($1,503)$519$984$156,822
233 ($1,503)$516$987$155,835
234 ($1,503)$513$990$154,845
235 ($1,503)$510$994$153,851
236 ($1,503)$506$997$152,854
237 ($1,503)$503$1,000$151,854
238 ($1,503)$500$1,003$150,851
239 ($1,503)$497$1,007$149,844
240 ($1,503)$493$1,010$148,834
Year 21 - 241 ($1,503)$490$1,013$147,820
242 ($1,503)$487$1,017$146,803
243 ($1,503)$483$1,020$145,783
244 ($1,503)$480$1,023$144,760
245 ($1,503)$477$1,027$143,733
246 ($1,503)$473$1,030$142,703
247 ($1,503)$470$1,034$141,669
248 ($1,503)$466$1,037$140,632
249 ($1,503)$463$1,040$139,592
250 ($1,503)$459$1,044$138,548
251 ($1,503)$456$1,047$137,501
252 ($1,503)$453$1,051$136,450
Year 22 - 253 ($1,503)$449$1,054$135,396
254 ($1,503)$446$1,058$134,338
255 ($1,503)$442$1,061$133,277
256 ($1,503)$439$1,065$132,212
257 ($1,503)$435$1,068$131,144
258 ($1,503)$432$1,072$130,073
259 ($1,503)$428$1,075$128,997
260 ($1,503)$425$1,079$127,919
261 ($1,503)$421$1,082$126,836
262 ($1,503)$418$1,086$125,751
263 ($1,503)$414$1,089$124,661
264 ($1,503)$410$1,093$123,568
Year 23 - 265 ($1,503)$407$1,097$122,472
266 ($1,503)$403$1,100$121,371
267 ($1,503)$400$1,104$120,268
268 ($1,503)$396$1,107$119,160
269 ($1,503)$392$1,111$118,049
270 ($1,503)$389$1,115$116,934
271 ($1,503)$385$1,118$115,816
272 ($1,503)$381$1,122$114,694
273 ($1,503)$378$1,126$113,568
274 ($1,503)$374$1,130$112,438
275 ($1,503)$370$1,133$111,305
276 ($1,503)$366$1,137$110,168
Year 24 - 277 ($1,503)$363$1,141$109,028
278 ($1,503)$359$1,144$107,883
279 ($1,503)$355$1,148$106,735
280 ($1,503)$351$1,152$105,583
281 ($1,503)$348$1,156$104,427
282 ($1,503)$344$1,160$103,267
283 ($1,503)$340$1,163$102,104
284 ($1,503)$336$1,167$100,937
285 ($1,503)$332$1,171$99,766
286 ($1,503)$328$1,175$98,591
287 ($1,503)$325$1,179$97,412
288 ($1,503)$321$1,183$96,229
Year 25 - 289 ($1,503)$317$1,187$95,043
290 ($1,503)$313$1,190$93,852
291 ($1,503)$309$1,194$92,658
292 ($1,503)$305$1,198$91,460
293 ($1,503)$301$1,202$90,257
294 ($1,503)$297$1,206$89,051
295 ($1,503)$293$1,210$87,841
296 ($1,503)$289$1,214$86,627
297 ($1,503)$285$1,218$85,408
298 ($1,503)$281$1,222$84,186
299 ($1,503)$277$1,226$82,960
300 ($1,503)$273$1,230$81,730
Year 26 - 301 ($1,503)$269$1,234$80,495
302 ($1,503)$265$1,238$79,257
303 ($1,503)$261$1,242$78,015
304 ($1,503)$257$1,247$76,768
305 ($1,503)$253$1,251$75,517
306 ($1,503)$249$1,255$74,263
307 ($1,503)$244$1,259$73,004
308 ($1,503)$240$1,263$71,741
309 ($1,503)$236$1,267$70,474
310 ($1,503)$232$1,271$69,202
311 ($1,503)$228$1,276$67,927
312 ($1,503)$224$1,280$66,647
Year 27 - 313 ($1,503)$219$1,284$65,363
314 ($1,503)$215$1,288$64,075
315 ($1,503)$211$1,292$62,782
316 ($1,503)$207$1,297$61,486
317 ($1,503)$202$1,301$60,185
318 ($1,503)$198$1,305$58,880
319 ($1,503)$194$1,310$57,570
320 ($1,503)$190$1,314$56,256
321 ($1,503)$185$1,318$54,938
322 ($1,503)$181$1,322$53,616
323 ($1,503)$176$1,327$52,289
324 ($1,503)$172$1,331$50,957
Year 28 - 325 ($1,503)$168$1,336$49,622
326 ($1,503)$163$1,340$48,282
327 ($1,503)$159$1,344$46,937
328 ($1,503)$155$1,349$45,589
329 ($1,503)$150$1,353$44,235
330 ($1,503)$146$1,358$42,878
331 ($1,503)$141$1,362$41,515
332 ($1,503)$137$1,367$40,149
333 ($1,503)$132$1,371$38,778
334 ($1,503)$128$1,376$37,402
335 ($1,503)$123$1,380$36,022
336 ($1,503)$119$1,385$34,637
Year 29 - 337 ($1,503)$114$1,389$33,248
338 ($1,503)$109$1,394$31,854
339 ($1,503)$105$1,398$30,455
340 ($1,503)$100$1,403$29,052
341 ($1,503)$96$1,408$27,644
342 ($1,503)$91$1,412$26,232
343 ($1,503)$86$1,417$24,815
344 ($1,503)$82$1,422$23,393
345 ($1,503)$77$1,426$21,967
346 ($1,503)$72$1,431$20,536
347 ($1,503)$68$1,436$19,100
348 ($1,503)$63$1,440$17,660
Year 30 - 349 ($1,503)$58$1,445$16,215
350 ($1,503)$53$1,450$14,765
351 ($1,503)$49$1,455$13,310
352 ($1,503)$44$1,460$11,850
353 ($1,503)$39$1,464$10,386
354 ($1,503)$34$1,469$8,917
355 ($1,503)$29$1,474$7,443
356 ($1,503)$24$1,479$5,964
357 ($1,503)$20$1,484$4,480
358 ($1,503)$15$1,489$2,992
359 ($1,503)$10$1,493$1,498
360 ($1,503)$5$1,498$0
TOTALS$224,400$316,800$541,200

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.