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Mortgage Payment Schedule for a $400,000 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% ($80,000) 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
$1,515 360 $225,344 $545,344

Mortgage Providers

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


NMLS #: 1077157 | State Lic #: MC-5804
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.657% | Rate: 3.625% | Fees: $988 | 30 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 #: 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 #: 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 #: 447490
$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: 3.756% | Rate: 3.750% | Fees: $189 | 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 #: 1023 | State Lic #: MC-5814
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.875% | Rate: 3.875% | Fees: $0 | 45 day rate lock

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 #: 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: 3.994% | Rate: 3.990% | Fees: $130 | 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

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

$1,228 /mo
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30 yr fixed mtg, 0 points | APR: 4.240% | Rate: 4.240% | Fees: $0 | 30 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
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  $400,000
Down Payment $80,000$320,000
Year 1 - 1 ($1,515)$1,048$467$319,533
2 ($1,515)$1,046$468$319,065
3 ($1,515)$1,045$470$318,595
4 ($1,515)$1,043$471$318,123
5 ($1,515)$1,042$473$317,650
6 ($1,515)$1,040$475$317,176
7 ($1,515)$1,039$476$316,700
8 ($1,515)$1,037$478$316,222
9 ($1,515)$1,036$479$315,743
10 ($1,515)$1,034$481$315,262
11 ($1,515)$1,032$482$314,780
12 ($1,515)$1,031$484$314,296
Year 2 - 13 ($1,515)$1,029$486$313,810
14 ($1,515)$1,028$487$313,323
15 ($1,515)$1,026$489$312,835
16 ($1,515)$1,025$490$312,344
17 ($1,515)$1,023$492$311,852
18 ($1,515)$1,021$494$311,359
19 ($1,515)$1,020$495$310,864
20 ($1,515)$1,018$497$310,367
21 ($1,515)$1,016$498$309,868
22 ($1,515)$1,015$500$309,368
23 ($1,515)$1,013$502$308,867
24 ($1,515)$1,012$503$308,363
Year 3 - 25 ($1,515)$1,010$505$307,859
26 ($1,515)$1,008$507$307,352
27 ($1,515)$1,007$508$306,844
28 ($1,515)$1,005$510$306,334
29 ($1,515)$1,003$512$305,822
30 ($1,515)$1,002$513$305,309
31 ($1,515)$1,000$515$304,794
32 ($1,515)$998$517$304,277
33 ($1,515)$997$518$303,759
34 ($1,515)$995$520$303,239
35 ($1,515)$993$522$302,717
36 ($1,515)$991$523$302,194
Year 4 - 37 ($1,515)$990$525$301,669
38 ($1,515)$988$527$301,142
39 ($1,515)$986$529$300,613
40 ($1,515)$985$530$300,083
41 ($1,515)$983$532$299,551
42 ($1,515)$981$534$299,017
43 ($1,515)$979$536$298,481
44 ($1,515)$978$537$297,944
45 ($1,515)$976$539$297,405
46 ($1,515)$974$541$296,864
47 ($1,515)$972$543$296,321
48 ($1,515)$970$544$295,777
Year 5 - 49 ($1,515)$969$546$295,231
50 ($1,515)$967$548$294,683
51 ($1,515)$965$550$294,133
52 ($1,515)$963$552$293,582
53 ($1,515)$961$553$293,028
54 ($1,515)$960$555$292,473
55 ($1,515)$958$557$291,916
56 ($1,515)$956$559$291,357
57 ($1,515)$954$561$290,797
58 ($1,515)$952$562$290,234
59 ($1,515)$951$564$289,670
60 ($1,515)$949$566$289,104
Year 6 - 61 ($1,515)$947$568$288,536
62 ($1,515)$945$570$287,966
63 ($1,515)$943$572$287,394
64 ($1,515)$941$574$286,820
65 ($1,515)$939$576$286,245
66 ($1,515)$937$577$285,667
67 ($1,515)$936$579$285,088
68 ($1,515)$934$581$284,507
69 ($1,515)$932$583$283,924
70 ($1,515)$930$585$283,339
71 ($1,515)$928$587$282,752
72 ($1,515)$926$589$282,163
Year 7 - 73 ($1,515)$924$591$281,572
74 ($1,515)$922$593$280,980
75 ($1,515)$920$595$280,385
76 ($1,515)$918$597$279,788
77 ($1,515)$916$599$279,190
78 ($1,515)$914$600$278,589
79 ($1,515)$912$602$277,987
80 ($1,515)$910$604$277,383
81 ($1,515)$908$606$276,776
82 ($1,515)$906$608$276,168
83 ($1,515)$904$610$275,557
84 ($1,515)$902$612$274,945
Year 8 - 85 ($1,515)$900$614$274,330
86 ($1,515)$898$616$273,714
87 ($1,515)$896$618$273,096
88 ($1,515)$894$620$272,475
89 ($1,515)$892$622$271,853
90 ($1,515)$890$625$271,228
91 ($1,515)$888$627$270,602
92 ($1,515)$886$629$269,973
93 ($1,515)$884$631$269,342
94 ($1,515)$882$633$268,710
95 ($1,515)$880$635$268,075
96 ($1,515)$878$637$267,438
Year 9 - 97 ($1,515)$876$639$266,799
98 ($1,515)$874$641$266,158
99 ($1,515)$872$643$265,515
100 ($1,515)$870$645$264,869
101 ($1,515)$867$647$264,222
102 ($1,515)$865$650$263,572
103 ($1,515)$863$652$262,921
104 ($1,515)$861$654$262,267
105 ($1,515)$859$656$261,611
106 ($1,515)$857$658$260,953
107 ($1,515)$855$660$260,293
108 ($1,515)$852$662$259,630
Year 10 - 109 ($1,515)$850$665$258,966
110 ($1,515)$848$667$258,299
111 ($1,515)$846$669$257,630
112 ($1,515)$844$671$256,959
113 ($1,515)$842$673$256,286
114 ($1,515)$839$676$255,610
115 ($1,515)$837$678$254,933
116 ($1,515)$835$680$254,253
117 ($1,515)$833$682$253,570
118 ($1,515)$830$684$252,886
119 ($1,515)$828$687$252,199
120 ($1,515)$826$689$251,511
Year 11 - 121 ($1,515)$824$691$250,819
122 ($1,515)$821$693$250,126
123 ($1,515)$819$696$249,430
124 ($1,515)$817$698$248,732
125 ($1,515)$815$700$248,032
126 ($1,515)$812$703$247,330
127 ($1,515)$810$705$246,625
128 ($1,515)$808$707$245,918
129 ($1,515)$805$709$245,208
130 ($1,515)$803$712$244,496
131 ($1,515)$801$714$243,782
132 ($1,515)$798$716$243,066
Year 12 - 133 ($1,515)$796$719$242,347
134 ($1,515)$794$721$241,626
135 ($1,515)$791$724$240,902
136 ($1,515)$789$726$240,176
137 ($1,515)$787$728$239,448
138 ($1,515)$784$731$238,717
139 ($1,515)$782$733$237,984
140 ($1,515)$779$735$237,249
141 ($1,515)$777$738$236,511
142 ($1,515)$775$740$235,771
143 ($1,515)$772$743$235,028
144 ($1,515)$770$745$234,283
Year 13 - 145 ($1,515)$767$748$233,535
146 ($1,515)$765$750$232,785
147 ($1,515)$762$752$232,033
148 ($1,515)$760$755$231,278
149 ($1,515)$757$757$230,521
150 ($1,515)$755$760$229,761
151 ($1,515)$752$762$228,998
152 ($1,515)$750$765$228,233
153 ($1,515)$747$767$227,466
154 ($1,515)$745$770$226,696
155 ($1,515)$742$772$225,924
156 ($1,515)$740$775$225,149
Year 14 - 157 ($1,515)$737$777$224,371
158 ($1,515)$735$780$223,591
159 ($1,515)$732$783$222,809
160 ($1,515)$730$785$222,024
161 ($1,515)$727$788$221,236
162 ($1,515)$725$790$220,446
163 ($1,515)$722$793$219,653
164 ($1,515)$719$795$218,857
165 ($1,515)$717$798$218,059
166 ($1,515)$714$801$217,258
167 ($1,515)$712$803$216,455
168 ($1,515)$709$806$215,649
Year 15 - 169 ($1,515)$706$809$214,841
170 ($1,515)$704$811$214,029
171 ($1,515)$701$814$213,215
172 ($1,515)$698$817$212,399
173 ($1,515)$696$819$211,580
174 ($1,515)$693$822$210,758
175 ($1,515)$690$825$209,933
176 ($1,515)$688$827$209,106
177 ($1,515)$685$830$208,276
178 ($1,515)$682$833$207,443
179 ($1,515)$679$835$206,608
180 ($1,515)$677$838$205,769
Year 16 - 181 ($1,515)$674$841$204,928
182 ($1,515)$671$844$204,085
183 ($1,515)$668$846$203,238
184 ($1,515)$666$849$202,389
185 ($1,515)$663$852$201,537
186 ($1,515)$660$855$200,682
187 ($1,515)$657$858$199,825
188 ($1,515)$654$860$198,964
189 ($1,515)$652$863$198,101
190 ($1,515)$649$866$197,235
191 ($1,515)$646$869$196,366
192 ($1,515)$643$872$195,494
Year 17 - 193 ($1,515)$640$875$194,620
194 ($1,515)$637$877$193,742
195 ($1,515)$635$880$192,862
196 ($1,515)$632$883$191,979
197 ($1,515)$629$886$191,093
198 ($1,515)$626$889$190,203
199 ($1,515)$623$892$189,312
200 ($1,515)$620$895$188,417
201 ($1,515)$617$898$187,519
202 ($1,515)$614$901$186,618
203 ($1,515)$611$904$185,715
204 ($1,515)$608$907$184,808
Year 18 - 205 ($1,515)$605$910$183,898
206 ($1,515)$602$913$182,986
207 ($1,515)$599$916$182,070
208 ($1,515)$596$919$181,152
209 ($1,515)$593$922$180,230
210 ($1,515)$590$925$179,305
211 ($1,515)$587$928$178,378
212 ($1,515)$584$931$177,447
213 ($1,515)$581$934$176,513
214 ($1,515)$578$937$175,577
215 ($1,515)$575$940$174,637
216 ($1,515)$572$943$173,694
Year 19 - 217 ($1,515)$569$946$172,748
218 ($1,515)$566$949$171,799
219 ($1,515)$563$952$170,847
220 ($1,515)$560$955$169,891
221 ($1,515)$556$958$168,933
222 ($1,515)$553$962$167,971
223 ($1,515)$550$965$167,007
224 ($1,515)$547$968$166,039
225 ($1,515)$544$971$165,068
226 ($1,515)$541$974$164,093
227 ($1,515)$537$977$163,116
228 ($1,515)$534$981$162,135
Year 20 - 229 ($1,515)$531$984$161,151
230 ($1,515)$528$987$160,164
231 ($1,515)$525$990$159,174
232 ($1,515)$521$994$158,181
233 ($1,515)$518$997$157,184
234 ($1,515)$515$1,000$156,184
235 ($1,515)$512$1,003$155,180
236 ($1,515)$508$1,007$154,174
237 ($1,515)$505$1,010$153,164
238 ($1,515)$502$1,013$152,151
239 ($1,515)$498$1,017$151,134
240 ($1,515)$495$1,020$150,114
Year 21 - 241 ($1,515)$492$1,023$149,091
242 ($1,515)$488$1,027$148,064
243 ($1,515)$485$1,030$147,034
244 ($1,515)$482$1,033$146,001
245 ($1,515)$478$1,037$144,964
246 ($1,515)$475$1,040$143,924
247 ($1,515)$471$1,043$142,881
248 ($1,515)$468$1,047$141,834
249 ($1,515)$465$1,050$140,784
250 ($1,515)$461$1,054$139,730
251 ($1,515)$458$1,057$138,673
252 ($1,515)$454$1,061$137,612
Year 22 - 253 ($1,515)$451$1,064$136,548
254 ($1,515)$447$1,068$135,480
255 ($1,515)$444$1,071$134,409
256 ($1,515)$440$1,075$133,334
257 ($1,515)$437$1,078$132,256
258 ($1,515)$433$1,082$131,174
259 ($1,515)$430$1,085$130,089
260 ($1,515)$426$1,089$129,000
261 ($1,515)$422$1,092$127,908
262 ($1,515)$419$1,096$126,812
263 ($1,515)$415$1,100$125,712
264 ($1,515)$412$1,103$124,609
Year 23 - 265 ($1,515)$408$1,107$123,503
266 ($1,515)$404$1,110$122,392
267 ($1,515)$401$1,114$121,278
268 ($1,515)$397$1,118$120,161
269 ($1,515)$394$1,121$119,039
270 ($1,515)$390$1,125$117,914
271 ($1,515)$386$1,129$116,786
272 ($1,515)$382$1,132$115,653
273 ($1,515)$379$1,136$114,517
274 ($1,515)$375$1,140$113,377
275 ($1,515)$371$1,144$112,234
276 ($1,515)$368$1,147$111,087
Year 24 - 277 ($1,515)$364$1,151$109,935
278 ($1,515)$360$1,155$108,781
279 ($1,515)$356$1,159$107,622
280 ($1,515)$352$1,162$106,460
281 ($1,515)$349$1,166$105,294
282 ($1,515)$345$1,170$104,124
283 ($1,515)$341$1,174$102,950
284 ($1,515)$337$1,178$101,772
285 ($1,515)$333$1,182$100,590
286 ($1,515)$329$1,185$99,405
287 ($1,515)$326$1,189$98,216
288 ($1,515)$322$1,193$97,023
Year 25 - 289 ($1,515)$318$1,197$95,825
290 ($1,515)$314$1,201$94,624
291 ($1,515)$310$1,205$93,420
292 ($1,515)$306$1,209$92,211
293 ($1,515)$302$1,213$90,998
294 ($1,515)$298$1,217$89,781
295 ($1,515)$294$1,221$88,560
296 ($1,515)$290$1,225$87,335
297 ($1,515)$286$1,229$86,106
298 ($1,515)$282$1,233$84,874
299 ($1,515)$278$1,237$83,637
300 ($1,515)$274$1,241$82,396
Year 26 - 301 ($1,515)$270$1,245$81,151
302 ($1,515)$266$1,249$79,902
303 ($1,515)$262$1,253$78,649
304 ($1,515)$258$1,257$77,391
305 ($1,515)$253$1,261$76,130
306 ($1,515)$249$1,266$74,864
307 ($1,515)$245$1,270$73,595
308 ($1,515)$241$1,274$72,321
309 ($1,515)$237$1,278$71,043
310 ($1,515)$233$1,282$69,761
311 ($1,515)$228$1,286$68,474
312 ($1,515)$224$1,291$67,184
Year 27 - 313 ($1,515)$220$1,295$65,889
314 ($1,515)$216$1,299$64,590
315 ($1,515)$212$1,303$63,287
316 ($1,515)$207$1,308$61,979
317 ($1,515)$203$1,312$60,667
318 ($1,515)$199$1,316$59,351
319 ($1,515)$194$1,320$58,031
320 ($1,515)$190$1,325$56,706
321 ($1,515)$186$1,329$55,377
322 ($1,515)$181$1,333$54,043
323 ($1,515)$177$1,338$52,705
324 ($1,515)$173$1,342$51,363
Year 28 - 325 ($1,515)$168$1,347$50,016
326 ($1,515)$164$1,351$48,665
327 ($1,515)$159$1,355$47,310
328 ($1,515)$155$1,360$45,950
329 ($1,515)$150$1,364$44,586
330 ($1,515)$146$1,369$43,217
331 ($1,515)$142$1,373$41,844
332 ($1,515)$137$1,378$40,466
333 ($1,515)$133$1,382$39,083
334 ($1,515)$128$1,387$37,697
335 ($1,515)$123$1,391$36,305
336 ($1,515)$119$1,396$34,909
Year 29 - 337 ($1,515)$114$1,401$33,509
338 ($1,515)$110$1,405$32,104
339 ($1,515)$105$1,410$30,694
340 ($1,515)$101$1,414$29,280
341 ($1,515)$96$1,419$27,861
342 ($1,515)$91$1,424$26,437
343 ($1,515)$87$1,428$25,009
344 ($1,515)$82$1,433$23,576
345 ($1,515)$77$1,438$22,138
346 ($1,515)$73$1,442$20,696
347 ($1,515)$68$1,447$19,249
348 ($1,515)$63$1,452$17,797
Year 30 - 349 ($1,515)$58$1,457$16,340
350 ($1,515)$54$1,461$14,879
351 ($1,515)$49$1,466$13,413
352 ($1,515)$44$1,471$11,942
353 ($1,515)$39$1,476$10,466
354 ($1,515)$34$1,481$8,986
355 ($1,515)$29$1,485$7,500
356 ($1,515)$25$1,490$6,010
357 ($1,515)$20$1,495$4,515
358 ($1,515)$15$1,500$3,015
359 ($1,515)$10$1,505$1,510
360 ($1,515)$5$1,510$0
TOTALS$225,344$320,000$545,344

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.