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Mortgage Payment Schedule for a $489,000 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 November 30, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($97,800) may require pre-mortgage insurance


3.9% is current rate for 30-year fixed
3.3% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,845 360 $273,060 $664,260

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,179 or less (zip code: 20149)


NMLS #: 1023 | State Lic #: MC-5814
$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 #: 66247 | 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 #: 541760
$1,168 /mo
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30 yr fixed mtg, 0 points | APR: 3.860% | Rate: 3.825% | Fees: $1,074 | 30 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 #: 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

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

$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: 3.776% | Rate: 3.750% | Fees: $795 | 45 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
$1,192 /mo
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30 yr fixed mtg, 0 points | APR: 3.993% | Rate: 3.990% | Fees: $85 | 30 day rate lock

NMLS #: 2925 | State Lic #: MC-1875
$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.010% | Rate: 4.000% | Fees: $299 | 45 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
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  $489,000
Down Payment $97,800$391,200
Year 1 - 1 ($1,845)$1,271$574$390,626
2 ($1,845)$1,270$576$390,051
3 ($1,845)$1,268$578$389,473
4 ($1,845)$1,266$579$388,894
5 ($1,845)$1,264$581$388,312
6 ($1,845)$1,262$583$387,729
7 ($1,845)$1,260$585$387,144
8 ($1,845)$1,258$587$386,557
9 ($1,845)$1,256$589$385,968
10 ($1,845)$1,254$591$385,378
11 ($1,845)$1,252$593$384,785
12 ($1,845)$1,251$595$384,190
Year 2 - 13 ($1,845)$1,249$597$383,594
14 ($1,845)$1,247$598$382,995
15 ($1,845)$1,245$600$382,395
16 ($1,845)$1,243$602$381,793
17 ($1,845)$1,241$604$381,188
18 ($1,845)$1,239$606$380,582
19 ($1,845)$1,237$608$379,974
20 ($1,845)$1,235$610$379,363
21 ($1,845)$1,233$612$378,751
22 ($1,845)$1,231$614$378,137
23 ($1,845)$1,229$616$377,521
24 ($1,845)$1,227$618$376,902
Year 3 - 25 ($1,845)$1,225$620$376,282
26 ($1,845)$1,223$622$375,660
27 ($1,845)$1,221$624$375,036
28 ($1,845)$1,219$626$374,409
29 ($1,845)$1,217$628$373,781
30 ($1,845)$1,215$630$373,151
31 ($1,845)$1,213$632$372,518
32 ($1,845)$1,211$634$371,884
33 ($1,845)$1,209$637$371,247
34 ($1,845)$1,207$639$370,609
35 ($1,845)$1,204$641$369,968
36 ($1,845)$1,202$643$369,325
Year 4 - 37 ($1,845)$1,200$645$368,680
38 ($1,845)$1,198$647$368,033
39 ($1,845)$1,196$649$367,384
40 ($1,845)$1,194$651$366,733
41 ($1,845)$1,192$653$366,080
42 ($1,845)$1,190$655$365,424
43 ($1,845)$1,188$658$364,767
44 ($1,845)$1,185$660$364,107
45 ($1,845)$1,183$662$363,445
46 ($1,845)$1,181$664$362,781
47 ($1,845)$1,179$666$362,115
48 ($1,845)$1,177$668$361,447
Year 5 - 49 ($1,845)$1,175$670$360,777
50 ($1,845)$1,173$673$360,104
51 ($1,845)$1,170$675$359,429
52 ($1,845)$1,168$677$358,752
53 ($1,845)$1,166$679$358,073
54 ($1,845)$1,164$681$357,391
55 ($1,845)$1,162$684$356,708
56 ($1,845)$1,159$686$356,022
57 ($1,845)$1,157$688$355,334
58 ($1,845)$1,155$690$354,643
59 ($1,845)$1,153$693$353,951
60 ($1,845)$1,150$695$353,256
Year 6 - 61 ($1,845)$1,148$697$352,559
62 ($1,845)$1,146$699$351,860
63 ($1,845)$1,144$702$351,158
64 ($1,845)$1,141$704$350,454
65 ($1,845)$1,139$706$349,748
66 ($1,845)$1,137$708$349,039
67 ($1,845)$1,134$711$348,329
68 ($1,845)$1,132$713$347,616
69 ($1,845)$1,130$715$346,900
70 ($1,845)$1,127$718$346,182
71 ($1,845)$1,125$720$345,462
72 ($1,845)$1,123$722$344,740
Year 7 - 73 ($1,845)$1,120$725$344,015
74 ($1,845)$1,118$727$343,288
75 ($1,845)$1,116$729$342,559
76 ($1,845)$1,113$732$341,827
77 ($1,845)$1,111$734$341,093
78 ($1,845)$1,109$737$340,356
79 ($1,845)$1,106$739$339,617
80 ($1,845)$1,104$741$338,875
81 ($1,845)$1,101$744$338,132
82 ($1,845)$1,099$746$337,385
83 ($1,845)$1,097$749$336,637
84 ($1,845)$1,094$751$335,886
Year 8 - 85 ($1,845)$1,092$754$335,132
86 ($1,845)$1,089$756$334,376
87 ($1,845)$1,087$758$333,618
88 ($1,845)$1,084$761$332,857
89 ($1,845)$1,082$763$332,093
90 ($1,845)$1,079$766$331,328
91 ($1,845)$1,077$768$330,559
92 ($1,845)$1,074$771$329,788
93 ($1,845)$1,072$773$329,015
94 ($1,845)$1,069$776$328,239
95 ($1,845)$1,067$778$327,461
96 ($1,845)$1,064$781$326,680
Year 9 - 97 ($1,845)$1,062$783$325,896
98 ($1,845)$1,059$786$325,110
99 ($1,845)$1,057$789$324,322
100 ($1,845)$1,054$791$323,531
101 ($1,845)$1,051$794$322,737
102 ($1,845)$1,049$796$321,941
103 ($1,845)$1,046$799$321,142
104 ($1,845)$1,044$801$320,340
105 ($1,845)$1,041$804$319,536
106 ($1,845)$1,038$807$318,730
107 ($1,845)$1,036$809$317,920
108 ($1,845)$1,033$812$317,108
Year 10 - 109 ($1,845)$1,031$815$316,294
110 ($1,845)$1,028$817$315,477
111 ($1,845)$1,025$820$314,657
112 ($1,845)$1,023$823$313,834
113 ($1,845)$1,020$825$313,009
114 ($1,845)$1,017$828$312,181
115 ($1,845)$1,015$831$311,351
116 ($1,845)$1,012$833$310,517
117 ($1,845)$1,009$836$309,681
118 ($1,845)$1,006$839$308,843
119 ($1,845)$1,004$841$308,001
120 ($1,845)$1,001$844$307,157
Year 11 - 121 ($1,845)$998$847$306,310
122 ($1,845)$996$850$305,460
123 ($1,845)$993$852$304,608
124 ($1,845)$990$855$303,753
125 ($1,845)$987$858$302,895
126 ($1,845)$984$861$302,034
127 ($1,845)$982$864$301,171
128 ($1,845)$979$866$300,304
129 ($1,845)$976$869$299,435
130 ($1,845)$973$872$298,563
131 ($1,845)$970$875$297,688
132 ($1,845)$967$878$296,811
Year 12 - 133 ($1,845)$965$881$295,930
134 ($1,845)$962$883$295,047
135 ($1,845)$959$886$294,160
136 ($1,845)$956$889$293,271
137 ($1,845)$953$892$292,379
138 ($1,845)$950$895$291,484
139 ($1,845)$947$898$290,586
140 ($1,845)$944$901$289,686
141 ($1,845)$941$904$288,782
142 ($1,845)$939$907$287,875
143 ($1,845)$936$910$286,966
144 ($1,845)$933$913$286,053
Year 13 - 145 ($1,845)$930$915$285,138
146 ($1,845)$927$918$284,219
147 ($1,845)$924$921$283,298
148 ($1,845)$921$924$282,373
149 ($1,845)$918$927$281,446
150 ($1,845)$915$930$280,515
151 ($1,845)$912$933$279,582
152 ($1,845)$909$937$278,645
153 ($1,845)$906$940$277,706
154 ($1,845)$903$943$276,763
155 ($1,845)$899$946$275,818
156 ($1,845)$896$949$274,869
Year 14 - 157 ($1,845)$893$952$273,917
158 ($1,845)$890$955$272,962
159 ($1,845)$887$958$272,004
160 ($1,845)$884$961$271,043
161 ($1,845)$881$964$270,079
162 ($1,845)$878$967$269,111
163 ($1,845)$875$971$268,141
164 ($1,845)$871$974$267,167
165 ($1,845)$868$977$266,190
166 ($1,845)$865$980$265,210
167 ($1,845)$862$983$264,227
168 ($1,845)$859$986$263,240
Year 15 - 169 ($1,845)$856$990$262,251
170 ($1,845)$852$993$261,258
171 ($1,845)$849$996$260,262
172 ($1,845)$846$999$259,262
173 ($1,845)$843$1,003$258,260
174 ($1,845)$839$1,006$257,254
175 ($1,845)$836$1,009$256,245
176 ($1,845)$833$1,012$255,233
177 ($1,845)$830$1,016$254,217
178 ($1,845)$826$1,019$253,198
179 ($1,845)$823$1,022$252,176
180 ($1,845)$820$1,026$251,150
Year 16 - 181 ($1,845)$816$1,029$250,121
182 ($1,845)$813$1,032$249,089
183 ($1,845)$810$1,036$248,053
184 ($1,845)$806$1,039$247,014
185 ($1,845)$803$1,042$245,972
186 ($1,845)$799$1,046$244,926
187 ($1,845)$796$1,049$243,877
188 ($1,845)$793$1,053$242,824
189 ($1,845)$789$1,056$241,768
190 ($1,845)$786$1,059$240,709
191 ($1,845)$782$1,063$239,646
192 ($1,845)$779$1,066$238,580
Year 17 - 193 ($1,845)$775$1,070$237,510
194 ($1,845)$772$1,073$236,437
195 ($1,845)$768$1,077$235,360
196 ($1,845)$765$1,080$234,280
197 ($1,845)$761$1,084$233,196
198 ($1,845)$758$1,087$232,109
199 ($1,845)$754$1,091$231,018
200 ($1,845)$751$1,094$229,924
201 ($1,845)$747$1,098$228,826
202 ($1,845)$744$1,101$227,724
203 ($1,845)$740$1,105$226,619
204 ($1,845)$737$1,109$225,510
Year 18 - 205 ($1,845)$733$1,112$224,398
206 ($1,845)$729$1,116$223,282
207 ($1,845)$726$1,119$222,163
208 ($1,845)$722$1,123$221,040
209 ($1,845)$718$1,127$219,913
210 ($1,845)$715$1,130$218,782
211 ($1,845)$711$1,134$217,648
212 ($1,845)$707$1,138$216,511
213 ($1,845)$704$1,142$215,369
214 ($1,845)$700$1,145$214,224
215 ($1,845)$696$1,149$213,075
216 ($1,845)$692$1,153$211,922
Year 19 - 217 ($1,845)$689$1,156$210,766
218 ($1,845)$685$1,160$209,606
219 ($1,845)$681$1,164$208,442
220 ($1,845)$677$1,168$207,274
221 ($1,845)$674$1,172$206,102
222 ($1,845)$670$1,175$204,927
223 ($1,845)$666$1,179$203,748
224 ($1,845)$662$1,183$202,565
225 ($1,845)$658$1,187$201,378
226 ($1,845)$654$1,191$200,187
227 ($1,845)$651$1,195$198,993
228 ($1,845)$647$1,198$197,794
Year 20 - 229 ($1,845)$643$1,202$196,592
230 ($1,845)$639$1,206$195,386
231 ($1,845)$635$1,210$194,176
232 ($1,845)$631$1,214$192,962
233 ($1,845)$627$1,218$191,744
234 ($1,845)$623$1,222$190,522
235 ($1,845)$619$1,226$189,296
236 ($1,845)$615$1,230$188,066
237 ($1,845)$611$1,234$186,832
238 ($1,845)$607$1,238$185,594
239 ($1,845)$603$1,242$184,352
240 ($1,845)$599$1,246$183,106
Year 21 - 241 ($1,845)$595$1,250$181,856
242 ($1,845)$591$1,254$180,601
243 ($1,845)$587$1,258$179,343
244 ($1,845)$583$1,262$178,081
245 ($1,845)$579$1,266$176,815
246 ($1,845)$575$1,271$175,544
247 ($1,845)$571$1,275$174,269
248 ($1,845)$566$1,279$172,991
249 ($1,845)$562$1,283$171,708
250 ($1,845)$558$1,287$170,421
251 ($1,845)$554$1,291$169,129
252 ($1,845)$550$1,295$167,834
Year 22 - 253 ($1,845)$545$1,300$166,534
254 ($1,845)$541$1,304$165,230
255 ($1,845)$537$1,308$163,922
256 ($1,845)$533$1,312$162,610
257 ($1,845)$528$1,317$161,293
258 ($1,845)$524$1,321$159,972
259 ($1,845)$520$1,325$158,647
260 ($1,845)$516$1,330$157,317
261 ($1,845)$511$1,334$155,983
262 ($1,845)$507$1,338$154,645
263 ($1,845)$503$1,343$153,302
264 ($1,845)$498$1,347$151,955
Year 23 - 265 ($1,845)$494$1,351$150,604
266 ($1,845)$489$1,356$149,248
267 ($1,845)$485$1,360$147,888
268 ($1,845)$481$1,365$146,524
269 ($1,845)$476$1,369$145,155
270 ($1,845)$472$1,373$143,781
271 ($1,845)$467$1,378$142,404
272 ($1,845)$463$1,382$141,021
273 ($1,845)$458$1,387$139,634
274 ($1,845)$454$1,391$138,243
275 ($1,845)$449$1,396$136,847
276 ($1,845)$445$1,400$135,447
Year 24 - 277 ($1,845)$440$1,405$134,042
278 ($1,845)$436$1,410$132,632
279 ($1,845)$431$1,414$131,218
280 ($1,845)$426$1,419$129,799
281 ($1,845)$422$1,423$128,376
282 ($1,845)$417$1,428$126,948
283 ($1,845)$413$1,433$125,516
284 ($1,845)$408$1,437$124,078
285 ($1,845)$403$1,442$122,636
286 ($1,845)$399$1,447$121,190
287 ($1,845)$394$1,451$119,738
288 ($1,845)$389$1,456$118,282
Year 25 - 289 ($1,845)$384$1,461$116,822
290 ($1,845)$380$1,465$115,356
291 ($1,845)$375$1,470$113,886
292 ($1,845)$370$1,475$112,411
293 ($1,845)$365$1,480$110,931
294 ($1,845)$361$1,485$109,446
295 ($1,845)$356$1,489$107,957
296 ($1,845)$351$1,494$106,463
297 ($1,845)$346$1,499$104,964
298 ($1,845)$341$1,504$103,459
299 ($1,845)$336$1,509$101,951
300 ($1,845)$331$1,514$100,437
Year 26 - 301 ($1,845)$326$1,519$98,918
302 ($1,845)$321$1,524$97,394
303 ($1,845)$317$1,529$95,866
304 ($1,845)$312$1,534$94,332
305 ($1,845)$307$1,539$92,793
306 ($1,845)$302$1,544$91,250
307 ($1,845)$297$1,549$89,701
308 ($1,845)$292$1,554$88,148
309 ($1,845)$286$1,559$86,589
310 ($1,845)$281$1,564$85,025
311 ($1,845)$276$1,569$83,456
312 ($1,845)$271$1,574$81,882
Year 27 - 313 ($1,845)$266$1,579$80,303
314 ($1,845)$261$1,584$78,719
315 ($1,845)$256$1,589$77,130
316 ($1,845)$251$1,594$75,535
317 ($1,845)$245$1,600$73,936
318 ($1,845)$240$1,605$72,331
319 ($1,845)$235$1,610$70,721
320 ($1,845)$230$1,615$69,105
321 ($1,845)$225$1,621$67,485
322 ($1,845)$219$1,626$65,859
323 ($1,845)$214$1,631$64,228
324 ($1,845)$209$1,636$62,591
Year 28 - 325 ($1,845)$203$1,642$60,950
326 ($1,845)$198$1,647$59,303
327 ($1,845)$193$1,652$57,650
328 ($1,845)$187$1,658$55,992
329 ($1,845)$182$1,663$54,329
330 ($1,845)$177$1,669$52,661
331 ($1,845)$171$1,674$50,987
332 ($1,845)$166$1,679$49,307
333 ($1,845)$160$1,685$47,622
334 ($1,845)$155$1,690$45,932
335 ($1,845)$149$1,696$44,236
336 ($1,845)$144$1,701$42,535
Year 29 - 337 ($1,845)$138$1,707$40,828
338 ($1,845)$133$1,712$39,115
339 ($1,845)$127$1,718$37,397
340 ($1,845)$122$1,724$35,673
341 ($1,845)$116$1,729$33,944
342 ($1,845)$110$1,735$32,209
343 ($1,845)$105$1,740$30,469
344 ($1,845)$99$1,746$28,723
345 ($1,845)$93$1,752$26,971
346 ($1,845)$88$1,758$25,213
347 ($1,845)$82$1,763$23,450
348 ($1,845)$76$1,769$21,681
Year 30 - 349 ($1,845)$70$1,775$19,907
350 ($1,845)$65$1,780$18,126
351 ($1,845)$59$1,786$16,340
352 ($1,845)$53$1,792$14,548
353 ($1,845)$47$1,798$12,750
354 ($1,845)$41$1,804$10,946
355 ($1,845)$36$1,810$9,137
356 ($1,845)$30$1,815$7,321
357 ($1,845)$24$1,821$5,500
358 ($1,845)$18$1,827$3,672
359 ($1,845)$12$1,833$1,839
360 ($1,845)$6$1,839$0
TOTALS$273,060$391,200$664,260

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.