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Mortgage Payment Schedule for a $397,000 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% ($79,400) 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
$1,503 360 $223,654 $541,254

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,183 or less (zip code: 20149)


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 #: 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 #: 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 #: 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 #: 424182
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.783% | Rate: 3.750% | Fees: $994 | 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 #: 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  $397,000
Down Payment $79,400$317,600
Year 1 - 1 ($1,503)$1,040$463$317,137
2 ($1,503)$1,039$465$316,672
3 ($1,503)$1,037$466$316,205
4 ($1,503)$1,036$468$315,738
5 ($1,503)$1,034$469$315,268
6 ($1,503)$1,033$471$314,797
7 ($1,503)$1,031$473$314,325
8 ($1,503)$1,029$474$313,850
9 ($1,503)$1,028$476$313,375
10 ($1,503)$1,026$477$312,898
11 ($1,503)$1,025$479$312,419
12 ($1,503)$1,023$480$311,939
Year 2 - 13 ($1,503)$1,022$482$311,457
14 ($1,503)$1,020$483$310,973
15 ($1,503)$1,018$485$310,488
16 ($1,503)$1,017$487$310,002
17 ($1,503)$1,015$488$309,513
18 ($1,503)$1,014$490$309,024
19 ($1,503)$1,012$491$308,532
20 ($1,503)$1,010$493$308,039
21 ($1,503)$1,009$495$307,544
22 ($1,503)$1,007$496$307,048
23 ($1,503)$1,006$498$306,550
24 ($1,503)$1,004$500$306,051
Year 3 - 25 ($1,503)$1,002$501$305,550
26 ($1,503)$1,001$503$305,047
27 ($1,503)$999$504$304,542
28 ($1,503)$997$506$304,036
29 ($1,503)$996$508$303,528
30 ($1,503)$994$509$303,019
31 ($1,503)$992$511$302,508
32 ($1,503)$991$513$301,995
33 ($1,503)$989$514$301,481
34 ($1,503)$987$516$300,965
35 ($1,503)$986$518$300,447
36 ($1,503)$984$520$299,927
Year 4 - 37 ($1,503)$982$521$299,406
38 ($1,503)$981$523$298,883
39 ($1,503)$979$525$298,358
40 ($1,503)$977$526$297,832
41 ($1,503)$975$528$297,304
42 ($1,503)$974$530$296,774
43 ($1,503)$972$532$296,243
44 ($1,503)$970$533$295,709
45 ($1,503)$968$535$295,174
46 ($1,503)$967$537$294,638
47 ($1,503)$965$539$294,099
48 ($1,503)$963$540$293,559
Year 5 - 49 ($1,503)$961$542$293,017
50 ($1,503)$960$544$292,473
51 ($1,503)$958$546$291,927
52 ($1,503)$956$547$291,380
53 ($1,503)$954$549$290,830
54 ($1,503)$952$551$290,279
55 ($1,503)$951$553$289,727
56 ($1,503)$949$555$289,172
57 ($1,503)$947$556$288,616
58 ($1,503)$945$558$288,057
59 ($1,503)$943$560$287,497
60 ($1,503)$942$562$286,935
Year 6 - 61 ($1,503)$940$564$286,372
62 ($1,503)$938$566$285,806
63 ($1,503)$936$567$285,238
64 ($1,503)$934$569$284,669
65 ($1,503)$932$571$284,098
66 ($1,503)$930$573$283,525
67 ($1,503)$929$575$282,950
68 ($1,503)$927$577$282,373
69 ($1,503)$925$579$281,794
70 ($1,503)$923$581$281,214
71 ($1,503)$921$583$280,631
72 ($1,503)$919$584$280,047
Year 7 - 73 ($1,503)$917$586$279,461
74 ($1,503)$915$588$278,872
75 ($1,503)$913$590$278,282
76 ($1,503)$911$592$277,690
77 ($1,503)$909$594$277,096
78 ($1,503)$907$596$276,500
79 ($1,503)$906$598$275,902
80 ($1,503)$904$600$275,302
81 ($1,503)$902$602$274,700
82 ($1,503)$900$604$274,096
83 ($1,503)$898$606$273,491
84 ($1,503)$896$608$272,883
Year 8 - 85 ($1,503)$894$610$272,273
86 ($1,503)$892$612$271,661
87 ($1,503)$890$614$271,047
88 ($1,503)$888$616$270,432
89 ($1,503)$886$618$269,814
90 ($1,503)$884$620$269,194
91 ($1,503)$882$622$268,572
92 ($1,503)$880$624$267,948
93 ($1,503)$878$626$267,322
94 ($1,503)$875$628$266,694
95 ($1,503)$873$630$266,064
96 ($1,503)$871$632$265,432
Year 9 - 97 ($1,503)$869$634$264,798
98 ($1,503)$867$636$264,162
99 ($1,503)$865$638$263,523
100 ($1,503)$863$640$262,883
101 ($1,503)$861$643$262,240
102 ($1,503)$859$645$261,596
103 ($1,503)$857$647$260,949
104 ($1,503)$855$649$260,300
105 ($1,503)$852$651$259,649
106 ($1,503)$850$653$258,996
107 ($1,503)$848$655$258,341
108 ($1,503)$846$657$257,683
Year 10 - 109 ($1,503)$844$660$257,024
110 ($1,503)$842$662$256,362
111 ($1,503)$840$664$255,698
112 ($1,503)$837$666$255,032
113 ($1,503)$835$668$254,364
114 ($1,503)$833$670$253,693
115 ($1,503)$831$673$253,021
116 ($1,503)$829$675$252,346
117 ($1,503)$826$677$251,669
118 ($1,503)$824$679$250,989
119 ($1,503)$822$681$250,308
120 ($1,503)$820$684$249,624
Year 11 - 121 ($1,503)$818$686$248,938
122 ($1,503)$815$688$248,250
123 ($1,503)$813$690$247,560
124 ($1,503)$811$693$246,867
125 ($1,503)$808$695$246,172
126 ($1,503)$806$697$245,475
127 ($1,503)$804$700$244,775
128 ($1,503)$802$702$244,073
129 ($1,503)$799$704$243,369
130 ($1,503)$797$706$242,663
131 ($1,503)$795$709$241,954
132 ($1,503)$792$711$241,243
Year 12 - 133 ($1,503)$790$713$240,529
134 ($1,503)$788$716$239,814
135 ($1,503)$785$718$239,095
136 ($1,503)$783$720$238,375
137 ($1,503)$781$723$237,652
138 ($1,503)$778$725$236,927
139 ($1,503)$776$728$236,200
140 ($1,503)$774$730$235,470
141 ($1,503)$771$732$234,737
142 ($1,503)$769$735$234,003
143 ($1,503)$766$737$233,265
144 ($1,503)$764$740$232,526
Year 13 - 145 ($1,503)$762$742$231,784
146 ($1,503)$759$744$231,040
147 ($1,503)$757$747$230,293
148 ($1,503)$754$749$229,543
149 ($1,503)$752$752$228,792
150 ($1,503)$749$754$228,038
151 ($1,503)$747$757$227,281
152 ($1,503)$744$759$226,522
153 ($1,503)$742$762$225,760
154 ($1,503)$739$764$224,996
155 ($1,503)$737$767$224,229
156 ($1,503)$734$769$223,460
Year 14 - 157 ($1,503)$732$772$222,689
158 ($1,503)$729$774$221,914
159 ($1,503)$727$777$221,138
160 ($1,503)$724$779$220,358
161 ($1,503)$722$782$219,577
162 ($1,503)$719$784$218,792
163 ($1,503)$717$787$218,005
164 ($1,503)$714$790$217,216
165 ($1,503)$711$792$216,424
166 ($1,503)$709$795$215,629
167 ($1,503)$706$797$214,832
168 ($1,503)$704$800$214,032
Year 15 - 169 ($1,503)$701$803$213,229
170 ($1,503)$698$805$212,424
171 ($1,503)$696$808$211,616
172 ($1,503)$693$810$210,806
173 ($1,503)$690$813$209,993
174 ($1,503)$688$816$209,177
175 ($1,503)$685$818$208,359
176 ($1,503)$682$821$207,538
177 ($1,503)$680$824$206,714
178 ($1,503)$677$826$205,887
179 ($1,503)$674$829$205,058
180 ($1,503)$672$832$204,226
Year 16 - 181 ($1,503)$669$835$203,391
182 ($1,503)$666$837$202,554
183 ($1,503)$663$840$201,714
184 ($1,503)$661$843$200,871
185 ($1,503)$658$846$200,025
186 ($1,503)$655$848$199,177
187 ($1,503)$652$851$198,326
188 ($1,503)$650$854$197,472
189 ($1,503)$647$857$196,615
190 ($1,503)$644$860$195,756
191 ($1,503)$641$862$194,893
192 ($1,503)$638$865$194,028
Year 17 - 193 ($1,503)$635$868$193,160
194 ($1,503)$633$871$192,289
195 ($1,503)$630$874$191,415
196 ($1,503)$627$877$190,539
197 ($1,503)$624$879$189,659
198 ($1,503)$621$882$188,777
199 ($1,503)$618$885$187,892
200 ($1,503)$615$888$187,004
201 ($1,503)$612$891$186,113
202 ($1,503)$610$894$185,219
203 ($1,503)$607$897$184,322
204 ($1,503)$604$900$183,422
Year 18 - 205 ($1,503)$601$903$182,519
206 ($1,503)$598$906$181,613
207 ($1,503)$595$909$180,705
208 ($1,503)$592$912$179,793
209 ($1,503)$589$915$178,878
210 ($1,503)$586$918$177,961
211 ($1,503)$583$921$177,040
212 ($1,503)$580$924$176,116
213 ($1,503)$577$927$175,190
214 ($1,503)$574$930$174,260
215 ($1,503)$571$933$173,327
216 ($1,503)$568$936$172,391
Year 19 - 217 ($1,503)$565$939$171,452
218 ($1,503)$562$942$170,510
219 ($1,503)$558$945$169,565
220 ($1,503)$555$948$168,617
221 ($1,503)$552$951$167,666
222 ($1,503)$549$954$166,712
223 ($1,503)$546$958$165,754
224 ($1,503)$543$961$164,793
225 ($1,503)$540$964$163,830
226 ($1,503)$537$967$162,863
227 ($1,503)$533$970$161,893
228 ($1,503)$530$973$160,919
Year 20 - 229 ($1,503)$527$976$159,943
230 ($1,503)$524$980$158,963
231 ($1,503)$521$983$157,980
232 ($1,503)$517$986$156,994
233 ($1,503)$514$989$156,005
234 ($1,503)$511$993$155,012
235 ($1,503)$508$996$154,016
236 ($1,503)$504$999$153,017
237 ($1,503)$501$1,002$152,015
238 ($1,503)$498$1,006$151,009
239 ($1,503)$495$1,009$150,000
240 ($1,503)$491$1,012$148,988
Year 21 - 241 ($1,503)$488$1,016$147,973
242 ($1,503)$485$1,019$146,954
243 ($1,503)$481$1,022$145,932
244 ($1,503)$478$1,026$144,906
245 ($1,503)$475$1,029$143,877
246 ($1,503)$471$1,032$142,845
247 ($1,503)$468$1,036$141,809
248 ($1,503)$464$1,039$140,770
249 ($1,503)$461$1,042$139,728
250 ($1,503)$458$1,046$138,682
251 ($1,503)$454$1,049$137,633
252 ($1,503)$451$1,053$136,580
Year 22 - 253 ($1,503)$447$1,056$135,524
254 ($1,503)$444$1,060$134,464
255 ($1,503)$440$1,063$133,401
256 ($1,503)$437$1,067$132,334
257 ($1,503)$433$1,070$131,264
258 ($1,503)$430$1,074$130,191
259 ($1,503)$426$1,077$129,113
260 ($1,503)$423$1,081$128,033
261 ($1,503)$419$1,084$126,949
262 ($1,503)$416$1,088$125,861
263 ($1,503)$412$1,091$124,770
264 ($1,503)$409$1,095$123,675
Year 23 - 265 ($1,503)$405$1,098$122,576
266 ($1,503)$401$1,102$121,474
267 ($1,503)$398$1,106$120,369
268 ($1,503)$394$1,109$119,259
269 ($1,503)$391$1,113$118,146
270 ($1,503)$387$1,117$117,030
271 ($1,503)$383$1,120$115,910
272 ($1,503)$380$1,124$114,786
273 ($1,503)$376$1,128$113,658
274 ($1,503)$372$1,131$112,527
275 ($1,503)$369$1,135$111,392
276 ($1,503)$365$1,139$110,253
Year 24 - 277 ($1,503)$361$1,142$109,111
278 ($1,503)$357$1,146$107,965
279 ($1,503)$354$1,150$106,815
280 ($1,503)$350$1,154$105,661
281 ($1,503)$346$1,157$104,504
282 ($1,503)$342$1,161$103,343
283 ($1,503)$338$1,165$102,178
284 ($1,503)$335$1,169$101,009
285 ($1,503)$331$1,173$99,836
286 ($1,503)$327$1,177$98,660
287 ($1,503)$323$1,180$97,479
288 ($1,503)$319$1,184$96,295
Year 25 - 289 ($1,503)$315$1,188$95,107
290 ($1,503)$311$1,192$93,915
291 ($1,503)$308$1,196$92,719
292 ($1,503)$304$1,200$91,519
293 ($1,503)$300$1,204$90,315
294 ($1,503)$296$1,208$89,108
295 ($1,503)$292$1,212$87,896
296 ($1,503)$288$1,216$86,680
297 ($1,503)$284$1,220$85,461
298 ($1,503)$280$1,224$84,237
299 ($1,503)$276$1,228$83,009
300 ($1,503)$272$1,232$81,778
Year 26 - 301 ($1,503)$268$1,236$80,542
302 ($1,503)$264$1,240$79,303
303 ($1,503)$260$1,244$78,059
304 ($1,503)$256$1,248$76,811
305 ($1,503)$252$1,252$75,559
306 ($1,503)$247$1,256$74,303
307 ($1,503)$243$1,260$73,043
308 ($1,503)$239$1,264$71,779
309 ($1,503)$235$1,268$70,510
310 ($1,503)$231$1,273$69,238
311 ($1,503)$227$1,277$67,961
312 ($1,503)$223$1,281$66,680
Year 27 - 313 ($1,503)$218$1,285$65,395
314 ($1,503)$214$1,289$64,106
315 ($1,503)$210$1,294$62,812
316 ($1,503)$206$1,298$61,514
317 ($1,503)$201$1,302$60,212
318 ($1,503)$197$1,306$58,906
319 ($1,503)$193$1,311$57,595
320 ($1,503)$189$1,315$56,280
321 ($1,503)$184$1,319$54,961
322 ($1,503)$180$1,323$53,638
323 ($1,503)$176$1,328$52,310
324 ($1,503)$171$1,332$50,978
Year 28 - 325 ($1,503)$167$1,337$49,641
326 ($1,503)$163$1,341$48,300
327 ($1,503)$158$1,345$46,955
328 ($1,503)$154$1,350$45,605
329 ($1,503)$149$1,354$44,251
330 ($1,503)$145$1,359$42,893
331 ($1,503)$140$1,363$41,530
332 ($1,503)$136$1,367$40,162
333 ($1,503)$132$1,372$38,790
334 ($1,503)$127$1,376$37,414
335 ($1,503)$123$1,381$36,033
336 ($1,503)$118$1,385$34,647
Year 29 - 337 ($1,503)$113$1,390$33,257
338 ($1,503)$109$1,395$31,863
339 ($1,503)$104$1,399$30,464
340 ($1,503)$100$1,404$29,060
341 ($1,503)$95$1,408$27,652
342 ($1,503)$91$1,413$26,239
343 ($1,503)$86$1,418$24,821
344 ($1,503)$81$1,422$23,399
345 ($1,503)$77$1,427$21,972
346 ($1,503)$72$1,432$20,541
347 ($1,503)$67$1,436$19,104
348 ($1,503)$63$1,441$17,664
Year 30 - 349 ($1,503)$58$1,446$16,218
350 ($1,503)$53$1,450$14,768
351 ($1,503)$48$1,455$13,312
352 ($1,503)$44$1,460$11,853
353 ($1,503)$39$1,465$10,388
354 ($1,503)$34$1,469$8,918
355 ($1,503)$29$1,474$7,444
356 ($1,503)$24$1,479$5,965
357 ($1,503)$20$1,484$4,481
358 ($1,503)$15$1,489$2,992
359 ($1,503)$10$1,494$1,499
360 ($1,503)$5$1,499$0
TOTALS$223,654$317,600$541,254

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.