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Mortgage Payment Schedule for a $490,000 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 19, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($98,000) may require pre-mortgage insurance


3.88% is current rate for 30-year fixed
3.19% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,844 360 $272,002 $664,002

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,176 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

$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.778% | Rate: 3.750% | Fees: $860 | 30 day rate lock

NMLS #: 3232 | State Lic #: MC-1532
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.875% | Rate: 3.875% | Fees: $0 | 40 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

NMLS #: 790396
$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: 3.999% | Rate: 3.990% | Fees: $270 | 30 day rate lock

NMLS #: 181005
$1,192 /mo
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30 yr fixed mtg, 0 points | APR: 4.019% | Rate: 3.990% | 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  $490,000
Down Payment $98,000$392,000
Year 1 - 1 ($1,844)$1,267$577$391,423
2 ($1,844)$1,266$579$390,844
3 ($1,844)$1,264$581$390,263
4 ($1,844)$1,262$583$389,681
5 ($1,844)$1,260$584$389,096
6 ($1,844)$1,258$586$388,510
7 ($1,844)$1,256$588$387,922
8 ($1,844)$1,254$590$387,332
9 ($1,844)$1,252$592$386,739
10 ($1,844)$1,250$594$386,145
11 ($1,844)$1,249$596$385,550
12 ($1,844)$1,247$598$384,952
Year 2 - 13 ($1,844)$1,245$600$384,352
14 ($1,844)$1,243$602$383,750
15 ($1,844)$1,241$604$383,147
16 ($1,844)$1,239$606$382,541
17 ($1,844)$1,237$608$381,933
18 ($1,844)$1,235$610$381,324
19 ($1,844)$1,233$612$380,712
20 ($1,844)$1,231$613$380,099
21 ($1,844)$1,229$615$379,483
22 ($1,844)$1,227$617$378,866
23 ($1,844)$1,225$619$378,247
24 ($1,844)$1,223$621$377,625
Year 3 - 25 ($1,844)$1,221$623$377,002
26 ($1,844)$1,219$625$376,376
27 ($1,844)$1,217$628$375,749
28 ($1,844)$1,215$630$375,119
29 ($1,844)$1,213$632$374,488
30 ($1,844)$1,211$634$373,854
31 ($1,844)$1,209$636$373,218
32 ($1,844)$1,207$638$372,581
33 ($1,844)$1,205$640$371,941
34 ($1,844)$1,203$642$371,299
35 ($1,844)$1,201$644$370,655
36 ($1,844)$1,198$646$370,009
Year 4 - 37 ($1,844)$1,196$648$369,361
38 ($1,844)$1,194$650$368,711
39 ($1,844)$1,192$652$368,058
40 ($1,844)$1,190$654$367,404
41 ($1,844)$1,188$657$366,748
42 ($1,844)$1,186$659$366,089
43 ($1,844)$1,184$661$365,428
44 ($1,844)$1,182$663$364,765
45 ($1,844)$1,179$665$364,100
46 ($1,844)$1,177$667$363,433
47 ($1,844)$1,175$669$362,764
48 ($1,844)$1,173$672$362,092
Year 5 - 49 ($1,844)$1,171$674$361,418
50 ($1,844)$1,169$676$360,743
51 ($1,844)$1,166$678$360,065
52 ($1,844)$1,164$680$359,384
53 ($1,844)$1,162$682$358,702
54 ($1,844)$1,160$685$358,017
55 ($1,844)$1,158$687$357,330
56 ($1,844)$1,155$689$356,641
57 ($1,844)$1,153$691$355,950
58 ($1,844)$1,151$694$355,256
59 ($1,844)$1,149$696$354,561
60 ($1,844)$1,146$698$353,863
Year 6 - 61 ($1,844)$1,144$700$353,162
62 ($1,844)$1,142$703$352,460
63 ($1,844)$1,140$705$351,755
64 ($1,844)$1,137$707$351,048
65 ($1,844)$1,135$709$350,338
66 ($1,844)$1,133$712$349,627
67 ($1,844)$1,130$714$348,913
68 ($1,844)$1,128$716$348,196
69 ($1,844)$1,126$719$347,478
70 ($1,844)$1,124$721$346,757
71 ($1,844)$1,121$723$346,034
72 ($1,844)$1,119$726$345,308
Year 7 - 73 ($1,844)$1,116$728$344,580
74 ($1,844)$1,114$730$343,850
75 ($1,844)$1,112$733$343,117
76 ($1,844)$1,109$735$342,382
77 ($1,844)$1,107$737$341,645
78 ($1,844)$1,105$740$340,905
79 ($1,844)$1,102$742$340,163
80 ($1,844)$1,100$745$339,418
81 ($1,844)$1,097$747$338,671
82 ($1,844)$1,095$749$337,922
83 ($1,844)$1,093$752$337,170
84 ($1,844)$1,090$754$336,416
Year 8 - 85 ($1,844)$1,088$757$335,659
86 ($1,844)$1,085$759$334,900
87 ($1,844)$1,083$762$334,138
88 ($1,844)$1,080$764$333,374
89 ($1,844)$1,078$767$332,607
90 ($1,844)$1,075$769$331,838
91 ($1,844)$1,073$772$331,067
92 ($1,844)$1,070$774$330,293
93 ($1,844)$1,068$777$329,516
94 ($1,844)$1,065$779$328,737
95 ($1,844)$1,063$782$327,956
96 ($1,844)$1,060$784$327,172
Year 9 - 97 ($1,844)$1,058$787$326,385
98 ($1,844)$1,055$789$325,596
99 ($1,844)$1,053$792$324,804
100 ($1,844)$1,050$794$324,010
101 ($1,844)$1,048$797$323,213
102 ($1,844)$1,045$799$322,414
103 ($1,844)$1,042$802$321,612
104 ($1,844)$1,040$805$320,807
105 ($1,844)$1,037$807$320,000
106 ($1,844)$1,035$810$319,190
107 ($1,844)$1,032$812$318,378
108 ($1,844)$1,029$815$317,563
Year 10 - 109 ($1,844)$1,027$818$316,745
110 ($1,844)$1,024$820$315,925
111 ($1,844)$1,021$823$315,102
112 ($1,844)$1,019$826$314,276
113 ($1,844)$1,016$828$313,448
114 ($1,844)$1,013$831$312,617
115 ($1,844)$1,011$834$311,783
116 ($1,844)$1,008$836$310,947
117 ($1,844)$1,005$839$310,108
118 ($1,844)$1,003$842$309,266
119 ($1,844)$1,000$844$308,422
120 ($1,844)$997$847$307,575
Year 11 - 121 ($1,844)$994$850$306,725
122 ($1,844)$992$853$305,872
123 ($1,844)$989$855$305,016
124 ($1,844)$986$858$304,158
125 ($1,844)$983$861$303,297
126 ($1,844)$981$864$302,433
127 ($1,844)$978$867$301,567
128 ($1,844)$975$869$300,697
129 ($1,844)$972$872$299,825
130 ($1,844)$969$875$298,950
131 ($1,844)$967$878$298,072
132 ($1,844)$964$881$297,192
Year 12 - 133 ($1,844)$961$884$296,308
134 ($1,844)$958$886$295,422
135 ($1,844)$955$889$294,533
136 ($1,844)$952$892$293,640
137 ($1,844)$949$895$292,745
138 ($1,844)$947$898$291,848
139 ($1,844)$944$901$290,947
140 ($1,844)$941$904$290,043
141 ($1,844)$938$907$289,136
142 ($1,844)$935$910$288,227
143 ($1,844)$932$913$287,314
144 ($1,844)$929$915$286,399
Year 13 - 145 ($1,844)$926$918$285,480
146 ($1,844)$923$921$284,559
147 ($1,844)$920$924$283,635
148 ($1,844)$917$927$282,707
149 ($1,844)$914$930$281,777
150 ($1,844)$911$933$280,843
151 ($1,844)$908$936$279,907
152 ($1,844)$905$939$278,968
153 ($1,844)$902$942$278,025
154 ($1,844)$899$946$277,080
155 ($1,844)$896$949$276,131
156 ($1,844)$893$952$275,180
Year 14 - 157 ($1,844)$890$955$274,225
158 ($1,844)$887$958$273,267
159 ($1,844)$884$961$272,306
160 ($1,844)$880$964$271,342
161 ($1,844)$877$967$270,375
162 ($1,844)$874$970$269,405
163 ($1,844)$871$973$268,431
164 ($1,844)$868$977$267,455
165 ($1,844)$865$980$266,475
166 ($1,844)$862$983$265,492
167 ($1,844)$858$986$264,506
168 ($1,844)$855$989$263,517
Year 15 - 169 ($1,844)$852$992$262,525
170 ($1,844)$849$996$261,529
171 ($1,844)$846$999$260,530
172 ($1,844)$842$1,002$259,528
173 ($1,844)$839$1,005$258,523
174 ($1,844)$836$1,009$257,514
175 ($1,844)$833$1,012$256,503
176 ($1,844)$829$1,015$255,487
177 ($1,844)$826$1,018$254,469
178 ($1,844)$823$1,022$253,447
179 ($1,844)$819$1,025$252,422
180 ($1,844)$816$1,028$251,394
Year 16 - 181 ($1,844)$813$1,032$250,363
182 ($1,844)$810$1,035$249,328
183 ($1,844)$806$1,038$248,289
184 ($1,844)$803$1,042$247,248
185 ($1,844)$799$1,045$246,203
186 ($1,844)$796$1,048$245,154
187 ($1,844)$793$1,052$244,102
188 ($1,844)$789$1,055$243,047
189 ($1,844)$786$1,059$241,989
190 ($1,844)$782$1,062$240,927
191 ($1,844)$779$1,065$239,861
192 ($1,844)$776$1,069$238,792
Year 17 - 193 ($1,844)$772$1,072$237,720
194 ($1,844)$769$1,076$236,644
195 ($1,844)$765$1,079$235,565
196 ($1,844)$762$1,083$234,482
197 ($1,844)$758$1,086$233,396
198 ($1,844)$755$1,090$232,306
199 ($1,844)$751$1,093$231,213
200 ($1,844)$748$1,097$230,116
201 ($1,844)$744$1,100$229,015
202 ($1,844)$740$1,104$227,911
203 ($1,844)$737$1,108$226,804
204 ($1,844)$733$1,111$225,693
Year 18 - 205 ($1,844)$730$1,115$224,578
206 ($1,844)$726$1,118$223,460
207 ($1,844)$723$1,122$222,338
208 ($1,844)$719$1,126$221,212
209 ($1,844)$715$1,129$220,083
210 ($1,844)$712$1,133$218,950
211 ($1,844)$708$1,137$217,814
212 ($1,844)$704$1,140$216,673
213 ($1,844)$701$1,144$215,530
214 ($1,844)$697$1,148$214,382
215 ($1,844)$693$1,151$213,231
216 ($1,844)$689$1,155$212,076
Year 19 - 217 ($1,844)$686$1,159$210,917
218 ($1,844)$682$1,162$209,754
219 ($1,844)$678$1,166$208,588
220 ($1,844)$674$1,170$207,418
221 ($1,844)$671$1,174$206,244
222 ($1,844)$667$1,178$205,067
223 ($1,844)$663$1,181$203,885
224 ($1,844)$659$1,185$202,700
225 ($1,844)$655$1,189$201,511
226 ($1,844)$652$1,193$200,318
227 ($1,844)$648$1,197$199,121
228 ($1,844)$644$1,201$197,921
Year 20 - 229 ($1,844)$640$1,205$196,716
230 ($1,844)$636$1,208$195,508
231 ($1,844)$632$1,212$194,296
232 ($1,844)$628$1,216$193,079
233 ($1,844)$624$1,220$191,859
234 ($1,844)$620$1,224$190,635
235 ($1,844)$616$1,228$189,407
236 ($1,844)$612$1,232$188,175
237 ($1,844)$608$1,236$186,939
238 ($1,844)$604$1,240$185,699
239 ($1,844)$600$1,244$184,455
240 ($1,844)$596$1,248$183,207
Year 21 - 241 ($1,844)$592$1,252$181,955
242 ($1,844)$588$1,256$180,699
243 ($1,844)$584$1,260$179,439
244 ($1,844)$580$1,264$178,174
245 ($1,844)$576$1,268$176,906
246 ($1,844)$572$1,272$175,633
247 ($1,844)$568$1,277$174,357
248 ($1,844)$564$1,281$173,076
249 ($1,844)$560$1,285$171,791
250 ($1,844)$555$1,289$170,502
251 ($1,844)$551$1,293$169,209
252 ($1,844)$547$1,297$167,912
Year 22 - 253 ($1,844)$543$1,302$166,610
254 ($1,844)$539$1,306$165,305
255 ($1,844)$534$1,310$163,995
256 ($1,844)$530$1,314$162,680
257 ($1,844)$526$1,318$161,362
258 ($1,844)$522$1,323$160,039
259 ($1,844)$517$1,327$158,712
260 ($1,844)$513$1,331$157,381
261 ($1,844)$509$1,336$156,045
262 ($1,844)$505$1,340$154,705
263 ($1,844)$500$1,344$153,361
264 ($1,844)$496$1,349$152,013
Year 23 - 265 ($1,844)$492$1,353$150,660
266 ($1,844)$487$1,357$149,302
267 ($1,844)$483$1,362$147,941
268 ($1,844)$478$1,366$146,575
269 ($1,844)$474$1,371$145,204
270 ($1,844)$469$1,375$143,829
271 ($1,844)$465$1,379$142,450
272 ($1,844)$461$1,384$141,066
273 ($1,844)$456$1,388$139,678
274 ($1,844)$452$1,393$138,285
275 ($1,844)$447$1,397$136,887
276 ($1,844)$443$1,402$135,486
Year 24 - 277 ($1,844)$438$1,406$134,079
278 ($1,844)$434$1,411$132,668
279 ($1,844)$429$1,415$131,253
280 ($1,844)$424$1,420$129,833
281 ($1,844)$420$1,425$128,408
282 ($1,844)$415$1,429$126,979
283 ($1,844)$411$1,434$125,545
284 ($1,844)$406$1,439$124,106
285 ($1,844)$401$1,443$122,663
286 ($1,844)$397$1,448$121,215
287 ($1,844)$392$1,453$119,763
288 ($1,844)$387$1,457$118,306
Year 25 - 289 ($1,844)$383$1,462$116,844
290 ($1,844)$378$1,467$115,377
291 ($1,844)$373$1,471$113,906
292 ($1,844)$368$1,476$112,429
293 ($1,844)$364$1,481$110,948
294 ($1,844)$359$1,486$109,463
295 ($1,844)$354$1,491$107,972
296 ($1,844)$349$1,495$106,477
297 ($1,844)$344$1,500$104,977
298 ($1,844)$339$1,505$103,472
299 ($1,844)$335$1,510$101,962
300 ($1,844)$330$1,515$100,447
Year 26 - 301 ($1,844)$325$1,520$98,927
302 ($1,844)$320$1,525$97,403
303 ($1,844)$315$1,530$95,873
304 ($1,844)$310$1,534$94,339
305 ($1,844)$305$1,539$92,799
306 ($1,844)$300$1,544$91,255
307 ($1,844)$295$1,549$89,706
308 ($1,844)$290$1,554$88,151
309 ($1,844)$285$1,559$86,592
310 ($1,844)$280$1,564$85,027
311 ($1,844)$275$1,570$83,458
312 ($1,844)$270$1,575$81,883
Year 27 - 313 ($1,844)$265$1,580$80,303
314 ($1,844)$260$1,585$78,719
315 ($1,844)$255$1,590$77,129
316 ($1,844)$249$1,595$75,534
317 ($1,844)$244$1,600$73,933
318 ($1,844)$239$1,605$72,328
319 ($1,844)$234$1,611$70,717
320 ($1,844)$229$1,616$69,102
321 ($1,844)$223$1,621$67,481
322 ($1,844)$218$1,626$65,854
323 ($1,844)$213$1,632$64,223
324 ($1,844)$208$1,637$62,586
Year 28 - 325 ($1,844)$202$1,642$60,944
326 ($1,844)$197$1,647$59,297
327 ($1,844)$192$1,653$57,644
328 ($1,844)$186$1,658$55,986
329 ($1,844)$181$1,663$54,322
330 ($1,844)$176$1,669$52,654
331 ($1,844)$170$1,674$50,979
332 ($1,844)$165$1,680$49,300
333 ($1,844)$159$1,685$47,615
334 ($1,844)$154$1,690$45,924
335 ($1,844)$148$1,696$44,228
336 ($1,844)$143$1,701$42,527
Year 29 - 337 ($1,844)$138$1,707$40,820
338 ($1,844)$132$1,712$39,107
339 ($1,844)$126$1,718$37,389
340 ($1,844)$121$1,724$35,666
341 ($1,844)$115$1,729$33,937
342 ($1,844)$110$1,735$32,202
343 ($1,844)$104$1,740$30,462
344 ($1,844)$98$1,746$28,716
345 ($1,844)$93$1,752$26,964
346 ($1,844)$87$1,757$25,207
347 ($1,844)$82$1,763$23,444
348 ($1,844)$76$1,769$21,675
Year 30 - 349 ($1,844)$70$1,774$19,901
350 ($1,844)$64$1,780$18,121
351 ($1,844)$59$1,786$16,335
352 ($1,844)$53$1,792$14,543
353 ($1,844)$47$1,797$12,746
354 ($1,844)$41$1,803$10,943
355 ($1,844)$35$1,809$9,133
356 ($1,844)$30$1,815$7,319
357 ($1,844)$24$1,821$5,498
358 ($1,844)$18$1,827$3,671
359 ($1,844)$12$1,833$1,839
360 ($1,844)$6$1,839$0
TOTALS$272,002$392,000$664,002

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.