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Mortgage Payment Schedule for a $438,000 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 April 20, 2017. Check Lending Tree to see current rates from multiple lenders.

Mortgage Parameters


Less than 20% ($87,600) may require pre-mortgage insurance


3.97% is current rate for 30-year fixed
3.23% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,667 360 $249,651 $600,051

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $438,000
Down Payment $87,600$350,400
Year 1 - 1 ($1,667)$1,159$508$349,892
2 ($1,667)$1,158$509$349,383
3 ($1,667)$1,156$511$348,872
4 ($1,667)$1,154$513$348,360
5 ($1,667)$1,152$514$347,845
6 ($1,667)$1,151$516$347,329
7 ($1,667)$1,149$518$346,812
8 ($1,667)$1,147$519$346,292
9 ($1,667)$1,146$521$345,771
10 ($1,667)$1,144$523$345,248
11 ($1,667)$1,142$525$344,723
12 ($1,667)$1,140$526$344,197
Year 2 - 13 ($1,667)$1,139$528$343,669
14 ($1,667)$1,137$530$343,139
15 ($1,667)$1,135$532$342,608
16 ($1,667)$1,133$533$342,074
17 ($1,667)$1,132$535$341,539
18 ($1,667)$1,130$537$341,002
19 ($1,667)$1,128$539$340,464
20 ($1,667)$1,126$540$339,923
21 ($1,667)$1,125$542$339,381
22 ($1,667)$1,123$544$338,837
23 ($1,667)$1,121$546$338,291
24 ($1,667)$1,119$548$337,743
Year 3 - 25 ($1,667)$1,117$549$337,194
26 ($1,667)$1,116$551$336,643
27 ($1,667)$1,114$553$336,090
28 ($1,667)$1,112$555$335,535
29 ($1,667)$1,110$557$334,978
30 ($1,667)$1,108$559$334,419
31 ($1,667)$1,106$560$333,859
32 ($1,667)$1,105$562$333,297
33 ($1,667)$1,103$564$332,733
34 ($1,667)$1,101$566$332,167
35 ($1,667)$1,099$568$331,599
36 ($1,667)$1,097$570$331,029
Year 4 - 37 ($1,667)$1,095$572$330,457
38 ($1,667)$1,093$574$329,884
39 ($1,667)$1,091$575$329,308
40 ($1,667)$1,089$577$328,731
41 ($1,667)$1,088$579$328,152
42 ($1,667)$1,086$581$327,570
43 ($1,667)$1,084$583$326,987
44 ($1,667)$1,082$585$326,402
45 ($1,667)$1,080$587$325,815
46 ($1,667)$1,078$589$325,226
47 ($1,667)$1,076$591$324,636
48 ($1,667)$1,074$593$324,043
Year 5 - 49 ($1,667)$1,072$595$323,448
50 ($1,667)$1,070$597$322,851
51 ($1,667)$1,068$599$322,253
52 ($1,667)$1,066$601$321,652
53 ($1,667)$1,064$603$321,049
54 ($1,667)$1,062$605$320,445
55 ($1,667)$1,060$607$319,838
56 ($1,667)$1,058$609$319,229
57 ($1,667)$1,056$611$318,619
58 ($1,667)$1,054$613$318,006
59 ($1,667)$1,052$615$317,391
60 ($1,667)$1,050$617$316,774
Year 6 - 61 ($1,667)$1,048$619$316,155
62 ($1,667)$1,046$621$315,535
63 ($1,667)$1,044$623$314,912
64 ($1,667)$1,042$625$314,287
65 ($1,667)$1,040$627$313,660
66 ($1,667)$1,038$629$313,031
67 ($1,667)$1,036$631$312,399
68 ($1,667)$1,034$633$311,766
69 ($1,667)$1,031$635$311,131
70 ($1,667)$1,029$637$310,493
71 ($1,667)$1,027$640$309,854
72 ($1,667)$1,025$642$309,212
Year 7 - 73 ($1,667)$1,023$644$308,568
74 ($1,667)$1,021$646$307,922
75 ($1,667)$1,019$648$307,274
76 ($1,667)$1,017$650$306,624
77 ($1,667)$1,014$652$305,971
78 ($1,667)$1,012$655$305,317
79 ($1,667)$1,010$657$304,660
80 ($1,667)$1,008$659$304,001
81 ($1,667)$1,006$661$303,340
82 ($1,667)$1,004$663$302,677
83 ($1,667)$1,001$665$302,011
84 ($1,667)$999$668$301,344
Year 8 - 85 ($1,667)$997$670$300,674
86 ($1,667)$995$672$300,002
87 ($1,667)$993$674$299,328
88 ($1,667)$990$677$298,651
89 ($1,667)$988$679$297,972
90 ($1,667)$986$681$297,291
91 ($1,667)$984$683$296,608
92 ($1,667)$981$686$295,922
93 ($1,667)$979$688$295,235
94 ($1,667)$977$690$294,545
95 ($1,667)$974$692$293,852
96 ($1,667)$972$695$293,158
Year 9 - 97 ($1,667)$970$697$292,461
98 ($1,667)$968$699$291,761
99 ($1,667)$965$702$291,060
100 ($1,667)$963$704$290,356
101 ($1,667)$961$706$289,650
102 ($1,667)$958$709$288,941
103 ($1,667)$956$711$288,230
104 ($1,667)$954$713$287,517
105 ($1,667)$951$716$286,801
106 ($1,667)$949$718$286,083
107 ($1,667)$946$720$285,363
108 ($1,667)$944$723$284,640
Year 10 - 109 ($1,667)$942$725$283,915
110 ($1,667)$939$728$283,188
111 ($1,667)$937$730$282,458
112 ($1,667)$934$732$281,725
113 ($1,667)$932$735$280,991
114 ($1,667)$930$737$280,253
115 ($1,667)$927$740$279,514
116 ($1,667)$925$742$278,772
117 ($1,667)$922$745$278,027
118 ($1,667)$920$747$277,280
119 ($1,667)$917$749$276,531
120 ($1,667)$915$752$275,779
Year 11 - 121 ($1,667)$912$754$275,024
122 ($1,667)$910$757$274,267
123 ($1,667)$907$759$273,508
124 ($1,667)$905$762$272,746
125 ($1,667)$902$764$271,981
126 ($1,667)$900$767$271,214
127 ($1,667)$897$770$270,445
128 ($1,667)$895$772$269,673
129 ($1,667)$892$775$268,898
130 ($1,667)$890$777$268,121
131 ($1,667)$887$780$267,341
132 ($1,667)$884$782$266,559
Year 12 - 133 ($1,667)$882$785$265,774
134 ($1,667)$879$788$264,986
135 ($1,667)$877$790$264,196
136 ($1,667)$874$793$263,403
137 ($1,667)$871$795$262,608
138 ($1,667)$869$798$261,810
139 ($1,667)$866$801$261,009
140 ($1,667)$864$803$260,206
141 ($1,667)$861$806$259,400
142 ($1,667)$858$809$258,592
143 ($1,667)$856$811$257,780
144 ($1,667)$853$814$256,966
Year 13 - 145 ($1,667)$850$817$256,150
146 ($1,667)$847$819$255,330
147 ($1,667)$845$822$254,508
148 ($1,667)$842$825$253,683
149 ($1,667)$839$828$252,856
150 ($1,667)$837$830$252,025
151 ($1,667)$834$833$251,192
152 ($1,667)$831$836$250,357
153 ($1,667)$828$839$249,518
154 ($1,667)$825$841$248,677
155 ($1,667)$823$844$247,833
156 ($1,667)$820$847$246,986
Year 14 - 157 ($1,667)$817$850$246,136
158 ($1,667)$814$853$245,284
159 ($1,667)$811$855$244,428
160 ($1,667)$809$858$243,570
161 ($1,667)$806$861$242,709
162 ($1,667)$803$864$241,845
163 ($1,667)$800$867$240,979
164 ($1,667)$797$870$240,109
165 ($1,667)$794$872$239,237
166 ($1,667)$791$875$238,361
167 ($1,667)$789$878$237,483
168 ($1,667)$786$881$236,602
Year 15 - 169 ($1,667)$783$884$235,718
170 ($1,667)$780$887$234,831
171 ($1,667)$777$890$233,941
172 ($1,667)$774$893$233,048
173 ($1,667)$771$896$232,152
174 ($1,667)$768$899$231,253
175 ($1,667)$765$902$230,352
176 ($1,667)$762$905$229,447
177 ($1,667)$759$908$228,539
178 ($1,667)$756$911$227,629
179 ($1,667)$753$914$226,715
180 ($1,667)$750$917$225,798
Year 16 - 181 ($1,667)$747$920$224,878
182 ($1,667)$744$923$223,955
183 ($1,667)$741$926$223,030
184 ($1,667)$738$929$222,101
185 ($1,667)$735$932$221,169
186 ($1,667)$732$935$220,233
187 ($1,667)$729$938$219,295
188 ($1,667)$726$941$218,354
189 ($1,667)$722$944$217,410
190 ($1,667)$719$948$216,462
191 ($1,667)$716$951$215,511
192 ($1,667)$713$954$214,557
Year 17 - 193 ($1,667)$710$957$213,601
194 ($1,667)$707$960$212,640
195 ($1,667)$703$963$211,677
196 ($1,667)$700$967$210,711
197 ($1,667)$697$970$209,741
198 ($1,667)$694$973$208,768
199 ($1,667)$691$976$207,792
200 ($1,667)$687$979$206,812
201 ($1,667)$684$983$205,830
202 ($1,667)$681$986$204,844
203 ($1,667)$678$989$203,855
204 ($1,667)$674$992$202,862
Year 18 - 205 ($1,667)$671$996$201,867
206 ($1,667)$668$999$200,868
207 ($1,667)$665$1,002$199,866
208 ($1,667)$661$1,006$198,860
209 ($1,667)$658$1,009$197,851
210 ($1,667)$655$1,012$196,839
211 ($1,667)$651$1,016$195,823
212 ($1,667)$648$1,019$194,804
213 ($1,667)$644$1,022$193,782
214 ($1,667)$641$1,026$192,756
215 ($1,667)$638$1,029$191,727
216 ($1,667)$634$1,033$190,695
Year 19 - 217 ($1,667)$631$1,036$189,659
218 ($1,667)$627$1,039$188,619
219 ($1,667)$624$1,043$187,576
220 ($1,667)$621$1,046$186,530
221 ($1,667)$617$1,050$185,481
222 ($1,667)$614$1,053$184,427
223 ($1,667)$610$1,057$183,371
224 ($1,667)$607$1,060$182,311
225 ($1,667)$603$1,064$181,247
226 ($1,667)$600$1,067$180,180
227 ($1,667)$596$1,071$179,109
228 ($1,667)$593$1,074$178,035
Year 20 - 229 ($1,667)$589$1,078$176,957
230 ($1,667)$585$1,081$175,876
231 ($1,667)$582$1,085$174,791
232 ($1,667)$578$1,089$173,702
233 ($1,667)$575$1,092$172,610
234 ($1,667)$571$1,096$171,514
235 ($1,667)$567$1,099$170,415
236 ($1,667)$564$1,103$169,312
237 ($1,667)$560$1,107$168,205
238 ($1,667)$556$1,110$167,095
239 ($1,667)$553$1,114$165,981
240 ($1,667)$549$1,118$164,863
Year 21 - 241 ($1,667)$545$1,121$163,742
242 ($1,667)$542$1,125$162,617
243 ($1,667)$538$1,129$161,488
244 ($1,667)$534$1,133$160,355
245 ($1,667)$531$1,136$159,219
246 ($1,667)$527$1,140$158,079
247 ($1,667)$523$1,144$156,935
248 ($1,667)$519$1,148$155,787
249 ($1,667)$515$1,151$154,636
250 ($1,667)$512$1,155$153,481
251 ($1,667)$508$1,159$152,322
252 ($1,667)$504$1,163$151,159
Year 22 - 253 ($1,667)$500$1,167$149,992
254 ($1,667)$496$1,171$148,822
255 ($1,667)$492$1,174$147,647
256 ($1,667)$488$1,178$146,469
257 ($1,667)$485$1,182$145,286
258 ($1,667)$481$1,186$144,100
259 ($1,667)$477$1,190$142,910
260 ($1,667)$473$1,194$141,716
261 ($1,667)$469$1,198$140,518
262 ($1,667)$465$1,202$139,316
263 ($1,667)$461$1,206$138,110
264 ($1,667)$457$1,210$136,901
Year 23 - 265 ($1,667)$453$1,214$135,687
266 ($1,667)$449$1,218$134,469
267 ($1,667)$445$1,222$133,247
268 ($1,667)$441$1,226$132,021
269 ($1,667)$437$1,230$130,791
270 ($1,667)$433$1,234$129,557
271 ($1,667)$429$1,238$128,318
272 ($1,667)$425$1,242$127,076
273 ($1,667)$420$1,246$125,830
274 ($1,667)$416$1,251$124,579
275 ($1,667)$412$1,255$123,325
276 ($1,667)$408$1,259$122,066
Year 24 - 277 ($1,667)$404$1,263$120,803
278 ($1,667)$400$1,267$119,536
279 ($1,667)$395$1,271$118,264
280 ($1,667)$391$1,276$116,989
281 ($1,667)$387$1,280$115,709
282 ($1,667)$383$1,284$114,425
283 ($1,667)$379$1,288$113,137
284 ($1,667)$374$1,293$111,844
285 ($1,667)$370$1,297$110,547
286 ($1,667)$366$1,301$109,246
287 ($1,667)$361$1,305$107,941
288 ($1,667)$357$1,310$106,631
Year 25 - 289 ($1,667)$353$1,314$105,317
290 ($1,667)$348$1,318$103,999
291 ($1,667)$344$1,323$102,676
292 ($1,667)$340$1,327$101,349
293 ($1,667)$335$1,332$100,017
294 ($1,667)$331$1,336$98,682
295 ($1,667)$326$1,340$97,341
296 ($1,667)$322$1,345$95,996
297 ($1,667)$318$1,349$94,647
298 ($1,667)$313$1,354$93,294
299 ($1,667)$309$1,358$91,935
300 ($1,667)$304$1,363$90,573
Year 26 - 301 ($1,667)$300$1,367$89,206
302 ($1,667)$295$1,372$87,834
303 ($1,667)$291$1,376$86,458
304 ($1,667)$286$1,381$85,077
305 ($1,667)$281$1,385$83,692
306 ($1,667)$277$1,390$82,302
307 ($1,667)$272$1,395$80,907
308 ($1,667)$268$1,399$79,508
309 ($1,667)$263$1,404$78,104
310 ($1,667)$258$1,408$76,696
311 ($1,667)$254$1,413$75,283
312 ($1,667)$249$1,418$73,865
Year 27 - 313 ($1,667)$244$1,422$72,442
314 ($1,667)$240$1,427$71,015
315 ($1,667)$235$1,432$69,583
316 ($1,667)$230$1,437$68,147
317 ($1,667)$225$1,441$66,706
318 ($1,667)$221$1,446$65,259
319 ($1,667)$216$1,451$63,808
320 ($1,667)$211$1,456$62,353
321 ($1,667)$206$1,461$60,892
322 ($1,667)$201$1,465$59,427
323 ($1,667)$197$1,470$57,957
324 ($1,667)$192$1,475$56,482
Year 28 - 325 ($1,667)$187$1,480$55,002
326 ($1,667)$182$1,485$53,517
327 ($1,667)$177$1,490$52,027
328 ($1,667)$172$1,495$50,532
329 ($1,667)$167$1,500$49,033
330 ($1,667)$162$1,505$47,528
331 ($1,667)$157$1,510$46,019
332 ($1,667)$152$1,515$44,504
333 ($1,667)$147$1,520$42,984
334 ($1,667)$142$1,525$41,460
335 ($1,667)$137$1,530$39,930
336 ($1,667)$132$1,535$38,395
Year 29 - 337 ($1,667)$127$1,540$36,856
338 ($1,667)$122$1,545$35,311
339 ($1,667)$117$1,550$33,761
340 ($1,667)$112$1,555$32,206
341 ($1,667)$107$1,560$30,645
342 ($1,667)$101$1,565$29,080
343 ($1,667)$96$1,571$27,509
344 ($1,667)$91$1,576$25,934
345 ($1,667)$86$1,581$24,353
346 ($1,667)$81$1,586$22,766
347 ($1,667)$75$1,591$21,175
348 ($1,667)$70$1,597$19,578
Year 30 - 349 ($1,667)$65$1,602$17,976
350 ($1,667)$59$1,607$16,369
351 ($1,667)$54$1,613$14,756
352 ($1,667)$49$1,618$13,138
353 ($1,667)$43$1,623$11,515
354 ($1,667)$38$1,629$9,886
355 ($1,667)$33$1,634$8,252
356 ($1,667)$27$1,640$6,612
357 ($1,667)$22$1,645$4,968
358 ($1,667)$16$1,650$3,317
359 ($1,667)$11$1,656$1,661
360 ($1,667)$5$1,661$0
TOTALS$249,651$350,400$600,051

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.