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Mortgage Payment Schedule for a $428,000 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 21, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($85,600) may require pre-mortgage insurance


3.83% is current rate for 30-year fixed
3.13% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,601 360 $234,065 $576,465

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,169 or less (zip code: 20149)


NMLS #: 1838 | State Lic #: MC-4344
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.626% | Rate: 3.625% | Fees: $40 | 30 day rate lock

NMLS #: 134407 | State Lic #: MC-5378
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.641% | Rate: 3.625% | Fees: $495 | 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 #: 7706
$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: 3.750% | 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 #: 2258 | State Lic #: MC-4673
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.780% | Rate: 3.750% | Fees: $928 | 30 day rate lock

NMLS #: 67717
$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

$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

$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
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  $428,000
Down Payment $85,600$342,400
Year 1 - 1 ($1,601)$1,093$508$341,892
2 ($1,601)$1,091$510$341,381
3 ($1,601)$1,090$512$340,870
4 ($1,601)$1,088$513$340,356
5 ($1,601)$1,086$515$339,841
6 ($1,601)$1,085$517$339,325
7 ($1,601)$1,083$518$338,806
8 ($1,601)$1,081$520$338,287
9 ($1,601)$1,080$522$337,765
10 ($1,601)$1,078$523$337,242
11 ($1,601)$1,076$525$336,717
12 ($1,601)$1,075$527$336,190
Year 2 - 13 ($1,601)$1,073$528$335,662
14 ($1,601)$1,071$530$335,132
15 ($1,601)$1,070$532$334,600
16 ($1,601)$1,068$533$334,067
17 ($1,601)$1,066$535$333,532
18 ($1,601)$1,065$537$332,995
19 ($1,601)$1,063$538$332,457
20 ($1,601)$1,061$540$331,916
21 ($1,601)$1,059$542$331,374
22 ($1,601)$1,058$544$330,831
23 ($1,601)$1,056$545$330,285
24 ($1,601)$1,054$547$329,738
Year 3 - 25 ($1,601)$1,052$549$329,189
26 ($1,601)$1,051$551$328,639
27 ($1,601)$1,049$552$328,086
28 ($1,601)$1,047$554$327,532
29 ($1,601)$1,045$556$326,976
30 ($1,601)$1,044$558$326,419
31 ($1,601)$1,042$559$325,859
32 ($1,601)$1,040$561$325,298
33 ($1,601)$1,038$563$324,735
34 ($1,601)$1,036$565$324,170
35 ($1,601)$1,035$567$323,603
36 ($1,601)$1,033$568$323,035
Year 4 - 37 ($1,601)$1,031$570$322,465
38 ($1,601)$1,029$572$321,893
39 ($1,601)$1,027$574$321,319
40 ($1,601)$1,026$576$320,743
41 ($1,601)$1,024$578$320,165
42 ($1,601)$1,022$579$319,586
43 ($1,601)$1,020$581$319,005
44 ($1,601)$1,018$583$318,421
45 ($1,601)$1,016$585$317,836
46 ($1,601)$1,014$587$317,250
47 ($1,601)$1,013$589$316,661
48 ($1,601)$1,011$591$316,070
Year 5 - 49 ($1,601)$1,009$593$315,478
50 ($1,601)$1,007$594$314,883
51 ($1,601)$1,005$596$314,287
52 ($1,601)$1,003$598$313,689
53 ($1,601)$1,001$600$313,089
54 ($1,601)$999$602$312,487
55 ($1,601)$997$604$311,883
56 ($1,601)$995$606$311,277
57 ($1,601)$993$608$310,669
58 ($1,601)$992$610$310,059
59 ($1,601)$990$612$309,448
60 ($1,601)$988$614$308,834
Year 6 - 61 ($1,601)$986$616$308,218
62 ($1,601)$984$618$307,601
63 ($1,601)$982$620$306,981
64 ($1,601)$980$622$306,360
65 ($1,601)$978$623$305,736
66 ($1,601)$976$625$305,111
67 ($1,601)$974$627$304,483
68 ($1,601)$972$629$303,854
69 ($1,601)$970$631$303,222
70 ($1,601)$968$634$302,589
71 ($1,601)$966$636$301,953
72 ($1,601)$964$638$301,316
Year 7 - 73 ($1,601)$962$640$300,676
74 ($1,601)$960$642$300,035
75 ($1,601)$958$644$299,391
76 ($1,601)$956$646$298,745
77 ($1,601)$953$648$298,097
78 ($1,601)$951$650$297,448
79 ($1,601)$949$652$296,796
80 ($1,601)$947$654$296,142
81 ($1,601)$945$656$295,486
82 ($1,601)$943$658$294,827
83 ($1,601)$941$660$294,167
84 ($1,601)$939$662$293,505
Year 8 - 85 ($1,601)$937$665$292,840
86 ($1,601)$935$667$292,173
87 ($1,601)$933$669$291,505
88 ($1,601)$930$671$290,834
89 ($1,601)$928$673$290,161
90 ($1,601)$926$675$289,486
91 ($1,601)$924$677$288,808
92 ($1,601)$922$680$288,129
93 ($1,601)$920$682$287,447
94 ($1,601)$917$684$286,763
95 ($1,601)$915$686$286,077
96 ($1,601)$913$688$285,389
Year 9 - 97 ($1,601)$911$690$284,698
98 ($1,601)$909$693$284,006
99 ($1,601)$906$695$283,311
100 ($1,601)$904$697$282,614
101 ($1,601)$902$699$281,915
102 ($1,601)$900$702$281,213
103 ($1,601)$898$704$280,509
104 ($1,601)$895$706$279,803
105 ($1,601)$893$708$279,095
106 ($1,601)$891$711$278,385
107 ($1,601)$889$713$277,672
108 ($1,601)$886$715$276,957
Year 10 - 109 ($1,601)$884$717$276,239
110 ($1,601)$882$720$275,520
111 ($1,601)$879$722$274,798
112 ($1,601)$877$724$274,074
113 ($1,601)$875$727$273,347
114 ($1,601)$872$729$272,618
115 ($1,601)$870$731$271,887
116 ($1,601)$868$734$271,154
117 ($1,601)$865$736$270,418
118 ($1,601)$863$738$269,679
119 ($1,601)$861$741$268,939
120 ($1,601)$858$743$268,196
Year 11 - 121 ($1,601)$856$745$267,451
122 ($1,601)$854$748$266,703
123 ($1,601)$851$750$265,953
124 ($1,601)$849$752$265,200
125 ($1,601)$846$755$264,446
126 ($1,601)$844$757$263,688
127 ($1,601)$842$760$262,929
128 ($1,601)$839$762$262,167
129 ($1,601)$837$765$261,402
130 ($1,601)$834$767$260,635
131 ($1,601)$832$769$259,866
132 ($1,601)$829$772$259,094
Year 12 - 133 ($1,601)$827$774$258,319
134 ($1,601)$824$777$257,543
135 ($1,601)$822$779$256,763
136 ($1,601)$820$782$255,981
137 ($1,601)$817$784$255,197
138 ($1,601)$815$787$254,410
139 ($1,601)$812$789$253,621
140 ($1,601)$809$792$252,829
141 ($1,601)$807$794$252,035
142 ($1,601)$804$797$251,238
143 ($1,601)$802$799$250,439
144 ($1,601)$799$802$249,637
Year 13 - 145 ($1,601)$797$805$248,832
146 ($1,601)$794$807$248,025
147 ($1,601)$792$810$247,215
148 ($1,601)$789$812$246,403
149 ($1,601)$786$815$245,588
150 ($1,601)$784$817$244,771
151 ($1,601)$781$820$243,951
152 ($1,601)$779$823$243,128
153 ($1,601)$776$825$242,303
154 ($1,601)$773$828$241,475
155 ($1,601)$771$831$240,644
156 ($1,601)$768$833$239,811
Year 14 - 157 ($1,601)$765$836$238,975
158 ($1,601)$763$839$238,136
159 ($1,601)$760$841$237,295
160 ($1,601)$757$844$236,451
161 ($1,601)$755$847$235,605
162 ($1,601)$752$849$234,755
163 ($1,601)$749$852$233,903
164 ($1,601)$747$855$233,049
165 ($1,601)$744$857$232,191
166 ($1,601)$741$860$231,331
167 ($1,601)$738$863$230,468
168 ($1,601)$736$866$229,602
Year 15 - 169 ($1,601)$733$868$228,734
170 ($1,601)$730$871$227,863
171 ($1,601)$727$874$226,988
172 ($1,601)$724$877$226,112
173 ($1,601)$722$880$225,232
174 ($1,601)$719$882$224,350
175 ($1,601)$716$885$223,464
176 ($1,601)$713$888$222,576
177 ($1,601)$710$891$221,685
178 ($1,601)$708$894$220,792
179 ($1,601)$705$897$219,895
180 ($1,601)$702$899$218,996
Year 16 - 181 ($1,601)$699$902$218,093
182 ($1,601)$696$905$217,188
183 ($1,601)$693$908$216,280
184 ($1,601)$690$911$215,369
185 ($1,601)$687$914$214,455
186 ($1,601)$684$917$213,538
187 ($1,601)$682$920$212,619
188 ($1,601)$679$923$211,696
189 ($1,601)$676$926$210,770
190 ($1,601)$673$929$209,842
191 ($1,601)$670$932$208,910
192 ($1,601)$667$935$207,976
Year 17 - 193 ($1,601)$664$938$207,038
194 ($1,601)$661$940$206,098
195 ($1,601)$658$943$205,154
196 ($1,601)$655$947$204,208
197 ($1,601)$652$950$203,258
198 ($1,601)$649$953$202,305
199 ($1,601)$646$956$201,350
200 ($1,601)$643$959$200,391
201 ($1,601)$640$962$199,430
202 ($1,601)$637$965$198,465
203 ($1,601)$633$968$197,497
204 ($1,601)$630$971$196,526
Year 18 - 205 ($1,601)$627$974$195,552
206 ($1,601)$624$977$194,575
207 ($1,601)$621$980$193,594
208 ($1,601)$618$983$192,611
209 ($1,601)$615$987$191,625
210 ($1,601)$612$990$190,635
211 ($1,601)$608$993$189,642
212 ($1,601)$605$996$188,646
213 ($1,601)$602$999$187,647
214 ($1,601)$599$1,002$186,644
215 ($1,601)$596$1,006$185,639
216 ($1,601)$592$1,009$184,630
Year 19 - 217 ($1,601)$589$1,012$183,618
218 ($1,601)$586$1,015$182,603
219 ($1,601)$583$1,018$181,584
220 ($1,601)$580$1,022$180,563
221 ($1,601)$576$1,025$179,538
222 ($1,601)$573$1,028$178,509
223 ($1,601)$570$1,032$177,478
224 ($1,601)$566$1,035$176,443
225 ($1,601)$563$1,038$175,405
226 ($1,601)$560$1,041$174,363
227 ($1,601)$557$1,045$173,318
228 ($1,601)$553$1,048$172,270
Year 20 - 229 ($1,601)$550$1,051$171,219
230 ($1,601)$546$1,055$170,164
231 ($1,601)$543$1,058$169,106
232 ($1,601)$540$1,062$168,044
233 ($1,601)$536$1,065$166,979
234 ($1,601)$533$1,068$165,911
235 ($1,601)$530$1,072$164,839
236 ($1,601)$526$1,075$163,764
237 ($1,601)$523$1,079$162,685
238 ($1,601)$519$1,082$161,603
239 ($1,601)$516$1,086$160,518
240 ($1,601)$512$1,089$159,429
Year 21 - 241 ($1,601)$509$1,092$158,337
242 ($1,601)$505$1,096$157,241
243 ($1,601)$502$1,099$156,141
244 ($1,601)$498$1,103$155,038
245 ($1,601)$495$1,106$153,932
246 ($1,601)$491$1,110$152,822
247 ($1,601)$488$1,114$151,708
248 ($1,601)$484$1,117$150,591
249 ($1,601)$481$1,121$149,470
250 ($1,601)$477$1,124$148,346
251 ($1,601)$473$1,128$147,218
252 ($1,601)$470$1,131$146,087
Year 22 - 253 ($1,601)$466$1,135$144,952
254 ($1,601)$463$1,139$143,813
255 ($1,601)$459$1,142$142,671
256 ($1,601)$455$1,146$141,525
257 ($1,601)$452$1,150$140,376
258 ($1,601)$448$1,153$139,222
259 ($1,601)$444$1,157$138,065
260 ($1,601)$441$1,161$136,905
261 ($1,601)$437$1,164$135,740
262 ($1,601)$433$1,168$134,572
263 ($1,601)$430$1,172$133,401
264 ($1,601)$426$1,176$132,225
Year 23 - 265 ($1,601)$422$1,179$131,046
266 ($1,601)$418$1,183$129,863
267 ($1,601)$414$1,187$128,676
268 ($1,601)$411$1,191$127,485
269 ($1,601)$407$1,194$126,291
270 ($1,601)$403$1,198$125,093
271 ($1,601)$399$1,202$123,891
272 ($1,601)$395$1,206$122,685
273 ($1,601)$392$1,210$121,475
274 ($1,601)$388$1,214$120,261
275 ($1,601)$384$1,217$119,044
276 ($1,601)$380$1,221$117,823
Year 24 - 277 ($1,601)$376$1,225$116,597
278 ($1,601)$372$1,229$115,368
279 ($1,601)$368$1,233$114,135
280 ($1,601)$364$1,237$112,898
281 ($1,601)$360$1,241$111,657
282 ($1,601)$356$1,245$110,412
283 ($1,601)$352$1,249$109,163
284 ($1,601)$348$1,253$107,911
285 ($1,601)$344$1,257$106,654
286 ($1,601)$340$1,261$105,393
287 ($1,601)$336$1,265$104,128
288 ($1,601)$332$1,269$102,859
Year 25 - 289 ($1,601)$328$1,273$101,586
290 ($1,601)$324$1,277$100,309
291 ($1,601)$320$1,281$99,028
292 ($1,601)$316$1,285$97,742
293 ($1,601)$312$1,289$96,453
294 ($1,601)$308$1,293$95,160
295 ($1,601)$304$1,298$93,862
296 ($1,601)$300$1,302$92,560
297 ($1,601)$295$1,306$91,255
298 ($1,601)$291$1,310$89,944
299 ($1,601)$287$1,314$88,630
300 ($1,601)$283$1,318$87,312
Year 26 - 301 ($1,601)$279$1,323$85,989
302 ($1,601)$274$1,327$84,662
303 ($1,601)$270$1,331$83,331
304 ($1,601)$266$1,335$81,996
305 ($1,601)$262$1,340$80,656
306 ($1,601)$257$1,344$79,313
307 ($1,601)$253$1,348$77,964
308 ($1,601)$249$1,352$76,612
309 ($1,601)$245$1,357$75,255
310 ($1,601)$240$1,361$73,894
311 ($1,601)$236$1,365$72,529
312 ($1,601)$231$1,370$71,159
Year 27 - 313 ($1,601)$227$1,374$69,785
314 ($1,601)$223$1,379$68,406
315 ($1,601)$218$1,383$67,023
316 ($1,601)$214$1,387$65,636
317 ($1,601)$209$1,392$64,244
318 ($1,601)$205$1,396$62,848
319 ($1,601)$201$1,401$61,447
320 ($1,601)$196$1,405$60,042
321 ($1,601)$192$1,410$58,632
322 ($1,601)$187$1,414$57,218
323 ($1,601)$183$1,419$55,799
324 ($1,601)$178$1,423$54,376
Year 28 - 325 ($1,601)$174$1,428$52,948
326 ($1,601)$169$1,432$51,516
327 ($1,601)$164$1,437$50,079
328 ($1,601)$160$1,441$48,638
329 ($1,601)$155$1,446$47,192
330 ($1,601)$151$1,451$45,741
331 ($1,601)$146$1,455$44,286
332 ($1,601)$141$1,460$42,826
333 ($1,601)$137$1,465$41,361
334 ($1,601)$132$1,469$39,892
335 ($1,601)$127$1,474$38,418
336 ($1,601)$123$1,479$36,939
Year 29 - 337 ($1,601)$118$1,483$35,456
338 ($1,601)$113$1,488$33,968
339 ($1,601)$108$1,493$32,475
340 ($1,601)$104$1,498$30,977
341 ($1,601)$99$1,502$29,475
342 ($1,601)$94$1,507$27,968
343 ($1,601)$89$1,512$26,456
344 ($1,601)$84$1,517$24,939
345 ($1,601)$80$1,522$23,417
346 ($1,601)$75$1,527$21,890
347 ($1,601)$70$1,531$20,359
348 ($1,601)$65$1,536$18,823
Year 30 - 349 ($1,601)$60$1,541$17,282
350 ($1,601)$55$1,546$15,735
351 ($1,601)$50$1,551$14,184
352 ($1,601)$45$1,556$12,628
353 ($1,601)$40$1,561$11,067
354 ($1,601)$35$1,566$9,501
355 ($1,601)$30$1,571$7,930
356 ($1,601)$25$1,576$6,354
357 ($1,601)$20$1,581$4,773
358 ($1,601)$15$1,586$3,187
359 ($1,601)$10$1,591$1,596
360 ($1,601)$5$1,596$0
TOTALS$234,065$342,400$576,465

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.