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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 October 12, 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


3.91% is current rate for 30-year fixed
3.21% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,500 360 $222,342 $539,942

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,181 or less (zip code: 20149)


NMLS #: 1023
$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 #: 3232 | State Lic #: MC-1532
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.750% | Rate: 3.750% | Fees: $0 | 40 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

$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 #: 417490
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.887% | Rate: 3.875% | Fees: $377 | 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 #: 67717
$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

$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

$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.769% | Rate: 3.750% | Fees: $595 | 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  $397,000
Down Payment $79,400$317,600
Year 1 - 1 ($1,500)$1,035$465$317,135
2 ($1,500)$1,033$467$316,669
3 ($1,500)$1,032$468$316,200
4 ($1,500)$1,030$470$315,731
5 ($1,500)$1,029$471$315,260
6 ($1,500)$1,027$473$314,787
7 ($1,500)$1,026$474$314,313
8 ($1,500)$1,024$476$313,837
9 ($1,500)$1,023$477$313,360
10 ($1,500)$1,021$479$312,881
11 ($1,500)$1,019$480$312,401
12 ($1,500)$1,018$482$311,919
Year 2 - 13 ($1,500)$1,016$484$311,436
14 ($1,500)$1,015$485$310,950
15 ($1,500)$1,013$487$310,464
16 ($1,500)$1,012$488$309,976
17 ($1,500)$1,010$490$309,486
18 ($1,500)$1,008$491$308,994
19 ($1,500)$1,007$493$308,501
20 ($1,500)$1,005$495$308,007
21 ($1,500)$1,004$496$307,510
22 ($1,500)$1,002$498$307,012
23 ($1,500)$1,000$499$306,513
24 ($1,500)$999$501$306,012
Year 3 - 25 ($1,500)$997$503$305,509
26 ($1,500)$995$504$305,005
27 ($1,500)$994$506$304,499
28 ($1,500)$992$508$303,991
29 ($1,500)$991$509$303,482
30 ($1,500)$989$511$302,971
31 ($1,500)$987$513$302,458
32 ($1,500)$986$514$301,944
33 ($1,500)$984$516$301,428
34 ($1,500)$982$518$300,910
35 ($1,500)$980$519$300,391
36 ($1,500)$979$521$299,870
Year 4 - 37 ($1,500)$977$523$299,347
38 ($1,500)$975$524$298,822
39 ($1,500)$974$526$298,296
40 ($1,500)$972$528$297,768
41 ($1,500)$970$530$297,239
42 ($1,500)$969$531$296,707
43 ($1,500)$967$533$296,174
44 ($1,500)$965$535$295,639
45 ($1,500)$963$537$295,103
46 ($1,500)$962$538$294,565
47 ($1,500)$960$540$294,025
48 ($1,500)$958$542$293,483
Year 5 - 49 ($1,500)$956$544$292,939
50 ($1,500)$954$545$292,394
51 ($1,500)$953$547$291,847
52 ($1,500)$951$549$291,298
53 ($1,500)$949$551$290,747
54 ($1,500)$947$552$290,195
55 ($1,500)$946$554$289,640
56 ($1,500)$944$556$289,084
57 ($1,500)$942$558$288,526
58 ($1,500)$940$560$287,967
59 ($1,500)$938$562$287,405
60 ($1,500)$936$563$286,842
Year 6 - 61 ($1,500)$935$565$286,276
62 ($1,500)$933$567$285,709
63 ($1,500)$931$569$285,141
64 ($1,500)$929$571$284,570
65 ($1,500)$927$573$283,997
66 ($1,500)$925$574$283,423
67 ($1,500)$923$576$282,846
68 ($1,500)$922$578$282,268
69 ($1,500)$920$580$281,688
70 ($1,500)$918$582$281,106
71 ($1,500)$916$584$280,522
72 ($1,500)$914$586$279,936
Year 7 - 73 ($1,500)$912$588$279,349
74 ($1,500)$910$590$278,759
75 ($1,500)$908$592$278,167
76 ($1,500)$906$593$277,574
77 ($1,500)$904$595$276,979
78 ($1,500)$902$597$276,381
79 ($1,500)$901$599$275,782
80 ($1,500)$899$601$275,181
81 ($1,500)$897$603$274,577
82 ($1,500)$895$605$273,972
83 ($1,500)$893$607$273,365
84 ($1,500)$891$609$272,756
Year 8 - 85 ($1,500)$889$611$272,145
86 ($1,500)$887$613$271,532
87 ($1,500)$885$615$270,917
88 ($1,500)$883$617$270,300
89 ($1,500)$881$619$269,680
90 ($1,500)$879$621$269,059
91 ($1,500)$877$623$268,436
92 ($1,500)$875$625$267,811
93 ($1,500)$873$627$267,184
94 ($1,500)$871$629$266,554
95 ($1,500)$869$631$265,923
96 ($1,500)$866$633$265,290
Year 9 - 97 ($1,500)$864$635$264,654
98 ($1,500)$862$638$264,017
99 ($1,500)$860$640$263,377
100 ($1,500)$858$642$262,736
101 ($1,500)$856$644$262,092
102 ($1,500)$854$646$261,446
103 ($1,500)$852$648$260,798
104 ($1,500)$850$650$260,148
105 ($1,500)$848$652$259,496
106 ($1,500)$846$654$258,841
107 ($1,500)$843$656$258,185
108 ($1,500)$841$659$257,526
Year 10 - 109 ($1,500)$839$661$256,866
110 ($1,500)$837$663$256,203
111 ($1,500)$835$665$255,538
112 ($1,500)$833$667$254,871
113 ($1,500)$830$669$254,201
114 ($1,500)$828$672$253,530
115 ($1,500)$826$674$252,856
116 ($1,500)$824$676$252,180
117 ($1,500)$822$678$251,502
118 ($1,500)$819$680$250,821
119 ($1,500)$817$683$250,139
120 ($1,500)$815$685$249,454
Year 11 - 121 ($1,500)$813$687$248,767
122 ($1,500)$811$689$248,078
123 ($1,500)$808$692$247,386
124 ($1,500)$806$694$246,692
125 ($1,500)$804$696$245,996
126 ($1,500)$802$698$245,298
127 ($1,500)$799$701$244,597
128 ($1,500)$797$703$243,895
129 ($1,500)$795$705$243,189
130 ($1,500)$792$707$242,482
131 ($1,500)$790$710$241,772
132 ($1,500)$788$712$241,060
Year 12 - 133 ($1,500)$785$714$240,346
134 ($1,500)$783$717$239,629
135 ($1,500)$781$719$238,910
136 ($1,500)$778$721$238,189
137 ($1,500)$776$724$237,465
138 ($1,500)$774$726$236,739
139 ($1,500)$771$728$236,010
140 ($1,500)$769$731$235,280
141 ($1,500)$767$733$234,546
142 ($1,500)$764$736$233,811
143 ($1,500)$762$738$233,073
144 ($1,500)$759$740$232,332
Year 13 - 145 ($1,500)$757$743$231,589
146 ($1,500)$755$745$230,844
147 ($1,500)$752$748$230,097
148 ($1,500)$750$750$229,346
149 ($1,500)$747$753$228,594
150 ($1,500)$745$755$227,839
151 ($1,500)$742$757$227,081
152 ($1,500)$740$760$226,322
153 ($1,500)$737$762$225,559
154 ($1,500)$735$765$224,794
155 ($1,500)$732$767$224,027
156 ($1,500)$730$770$223,257
Year 14 - 157 ($1,500)$727$772$222,485
158 ($1,500)$725$775$221,710
159 ($1,500)$722$777$220,932
160 ($1,500)$720$780$220,152
161 ($1,500)$717$783$219,370
162 ($1,500)$715$785$218,585
163 ($1,500)$712$788$217,797
164 ($1,500)$710$790$217,007
165 ($1,500)$707$793$216,214
166 ($1,500)$704$795$215,419
167 ($1,500)$702$798$214,621
168 ($1,500)$699$801$213,820
Year 15 - 169 ($1,500)$697$803$213,017
170 ($1,500)$694$806$212,211
171 ($1,500)$691$808$211,403
172 ($1,500)$689$811$210,592
173 ($1,500)$686$814$209,778
174 ($1,500)$684$816$208,962
175 ($1,500)$681$819$208,143
176 ($1,500)$678$822$207,321
177 ($1,500)$676$824$206,497
178 ($1,500)$673$827$205,670
179 ($1,500)$670$830$204,840
180 ($1,500)$667$832$204,008
Year 16 - 181 ($1,500)$665$835$203,173
182 ($1,500)$662$838$202,335
183 ($1,500)$659$841$201,495
184 ($1,500)$657$843$200,651
185 ($1,500)$654$846$199,805
186 ($1,500)$651$849$198,956
187 ($1,500)$648$852$198,105
188 ($1,500)$645$854$197,250
189 ($1,500)$643$857$196,393
190 ($1,500)$640$860$195,533
191 ($1,500)$637$863$194,671
192 ($1,500)$634$866$193,805
Year 17 - 193 ($1,500)$631$868$192,937
194 ($1,500)$629$871$192,066
195 ($1,500)$626$874$191,192
196 ($1,500)$623$877$190,315
197 ($1,500)$620$880$189,435
198 ($1,500)$617$883$188,552
199 ($1,500)$614$885$187,667
200 ($1,500)$611$888$186,779
201 ($1,500)$609$891$185,887
202 ($1,500)$606$894$184,993
203 ($1,500)$603$897$184,096
204 ($1,500)$600$900$183,196
Year 18 - 205 ($1,500)$597$903$182,293
206 ($1,500)$594$906$181,387
207 ($1,500)$591$909$180,478
208 ($1,500)$588$912$179,567
209 ($1,500)$585$915$178,652
210 ($1,500)$582$918$177,734
211 ($1,500)$579$921$176,813
212 ($1,500)$576$924$175,890
213 ($1,500)$573$927$174,963
214 ($1,500)$570$930$174,033
215 ($1,500)$567$933$173,100
216 ($1,500)$564$936$172,165
Year 19 - 217 ($1,500)$561$939$171,226
218 ($1,500)$558$942$170,284
219 ($1,500)$555$945$169,339
220 ($1,500)$552$948$168,391
221 ($1,500)$549$951$167,440
222 ($1,500)$546$954$166,485
223 ($1,500)$542$957$165,528
224 ($1,500)$539$960$164,568
225 ($1,500)$536$964$163,604
226 ($1,500)$533$967$162,637
227 ($1,500)$530$970$161,667
228 ($1,500)$527$973$160,694
Year 20 - 229 ($1,500)$524$976$159,718
230 ($1,500)$520$979$158,738
231 ($1,500)$517$983$157,756
232 ($1,500)$514$986$156,770
233 ($1,500)$511$989$155,781
234 ($1,500)$508$992$154,789
235 ($1,500)$504$995$153,793
236 ($1,500)$501$999$152,795
237 ($1,500)$498$1,002$151,793
238 ($1,500)$495$1,005$150,787
239 ($1,500)$491$1,009$149,779
240 ($1,500)$488$1,012$148,767
Year 21 - 241 ($1,500)$485$1,015$147,752
242 ($1,500)$481$1,018$146,733
243 ($1,500)$478$1,022$145,712
244 ($1,500)$475$1,025$144,687
245 ($1,500)$471$1,028$143,658
246 ($1,500)$468$1,032$142,627
247 ($1,500)$465$1,035$141,591
248 ($1,500)$461$1,038$140,553
249 ($1,500)$458$1,042$139,511
250 ($1,500)$455$1,045$138,466
251 ($1,500)$451$1,049$137,417
252 ($1,500)$448$1,052$136,365
Year 22 - 253 ($1,500)$444$1,056$135,310
254 ($1,500)$441$1,059$134,251
255 ($1,500)$437$1,062$133,188
256 ($1,500)$434$1,066$132,122
257 ($1,500)$430$1,069$131,053
258 ($1,500)$427$1,073$129,980
259 ($1,500)$424$1,076$128,904
260 ($1,500)$420$1,080$127,824
261 ($1,500)$416$1,083$126,741
262 ($1,500)$413$1,087$125,654
263 ($1,500)$409$1,090$124,563
264 ($1,500)$406$1,094$123,469
Year 23 - 265 ($1,500)$402$1,098$122,372
266 ($1,500)$399$1,101$121,271
267 ($1,500)$395$1,105$120,166
268 ($1,500)$392$1,108$119,058
269 ($1,500)$388$1,112$117,946
270 ($1,500)$384$1,116$116,830
271 ($1,500)$381$1,119$115,711
272 ($1,500)$377$1,123$114,588
273 ($1,500)$373$1,126$113,462
274 ($1,500)$370$1,130$112,332
275 ($1,500)$366$1,134$111,198
276 ($1,500)$362$1,138$110,060
Year 24 - 277 ($1,500)$359$1,141$108,919
278 ($1,500)$355$1,145$107,774
279 ($1,500)$351$1,149$106,626
280 ($1,500)$347$1,152$105,473
281 ($1,500)$344$1,156$104,317
282 ($1,500)$340$1,160$103,157
283 ($1,500)$336$1,164$101,993
284 ($1,500)$332$1,168$100,826
285 ($1,500)$329$1,171$99,654
286 ($1,500)$325$1,175$98,479
287 ($1,500)$321$1,179$97,300
288 ($1,500)$317$1,183$96,118
Year 25 - 289 ($1,500)$313$1,187$94,931
290 ($1,500)$309$1,191$93,740
291 ($1,500)$305$1,194$92,546
292 ($1,500)$302$1,198$91,348
293 ($1,500)$298$1,202$90,145
294 ($1,500)$294$1,206$88,939
295 ($1,500)$290$1,210$87,729
296 ($1,500)$286$1,214$86,515
297 ($1,500)$282$1,218$85,297
298 ($1,500)$278$1,222$84,075
299 ($1,500)$274$1,226$82,850
300 ($1,500)$270$1,230$81,620
Year 26 - 301 ($1,500)$266$1,234$80,386
302 ($1,500)$262$1,238$79,148
303 ($1,500)$258$1,242$77,906
304 ($1,500)$254$1,246$76,660
305 ($1,500)$250$1,250$75,410
306 ($1,500)$246$1,254$74,156
307 ($1,500)$242$1,258$72,898
308 ($1,500)$238$1,262$71,635
309 ($1,500)$233$1,266$70,369
310 ($1,500)$229$1,271$69,098
311 ($1,500)$225$1,275$67,824
312 ($1,500)$221$1,279$66,545
Year 27 - 313 ($1,500)$217$1,283$65,262
314 ($1,500)$213$1,287$63,975
315 ($1,500)$208$1,291$62,683
316 ($1,500)$204$1,296$61,388
317 ($1,500)$200$1,300$60,088
318 ($1,500)$196$1,304$58,784
319 ($1,500)$192$1,308$57,475
320 ($1,500)$187$1,313$56,163
321 ($1,500)$183$1,317$54,846
322 ($1,500)$179$1,321$53,525
323 ($1,500)$174$1,325$52,199
324 ($1,500)$170$1,330$50,870
Year 28 - 325 ($1,500)$166$1,334$49,536
326 ($1,500)$161$1,338$48,197
327 ($1,500)$157$1,343$46,854
328 ($1,500)$153$1,347$45,507
329 ($1,500)$148$1,352$44,156
330 ($1,500)$144$1,356$42,800
331 ($1,500)$139$1,360$41,439
332 ($1,500)$135$1,365$40,074
333 ($1,500)$131$1,369$38,705
334 ($1,500)$126$1,374$37,331
335 ($1,500)$122$1,378$35,953
336 ($1,500)$117$1,383$34,571
Year 29 - 337 ($1,500)$113$1,387$33,183
338 ($1,500)$108$1,392$31,792
339 ($1,500)$104$1,396$30,395
340 ($1,500)$99$1,401$28,995
341 ($1,500)$94$1,405$27,589
342 ($1,500)$90$1,410$26,179
343 ($1,500)$85$1,415$24,765
344 ($1,500)$81$1,419$23,346
345 ($1,500)$76$1,424$21,922
346 ($1,500)$71$1,428$20,493
347 ($1,500)$67$1,433$19,060
348 ($1,500)$62$1,438$17,623
Year 30 - 349 ($1,500)$57$1,442$16,180
350 ($1,500)$53$1,447$14,733
351 ($1,500)$48$1,452$13,281
352 ($1,500)$43$1,457$11,825
353 ($1,500)$39$1,461$10,363
354 ($1,500)$34$1,466$8,897
355 ($1,500)$29$1,471$7,426
356 ($1,500)$24$1,476$5,951
357 ($1,500)$19$1,480$4,470
358 ($1,500)$15$1,485$2,985
359 ($1,500)$10$1,490$1,495
360 ($1,500)$5$1,495$0
TOTALS$222,342$317,600$539,942

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.