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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 January 11, 2018. 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


3.99% is current rate for 30-year fixed
3.44% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$1,869 360 $280,915 $672,915

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,192 or less (zip code: 20149)


NMLS #: 134407 | State Lic #: MC-5378
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.895% | Rate: 3.875% | Fees: $595 | 45 day rate lock

NMLS #: 790396
$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 #: 447490
$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 #: 258821
$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 #: 66247 | State Lic #: MC-1825
$1,192 /mo
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30 yr fixed mtg, 0 points | APR: 4.006% | Rate: 3.990% | Fees: $492 | 30 day rate lock

NMLS #: 1256692 | State Lic #: MC-5920
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.125% | Rate: 4.125% | Fees: $0 | 30 day rate lock

NMLS #: 1071 | State Lic #: MC-1772
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.125% | Rate: 4.125% | Fees: $0 | 30 day rate lock

NMLS #: 244476 | State Lic #: MC-5877
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.125% | Rate: 4.125% | Fees: $0 | 30 day rate lock

NMLS #: 7706
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.125% | Rate: 4.125% | Fees: $0 | 30 day rate lock

NMLS #: 181005
$1,230 /mo
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30 yr fixed mtg, 0 points | APR: 4.279% | Rate: 4.250% | Fees: $865 | 45 day rate lock

NMLS #: 35959 | State Lic #: MC-2967
$1,248 /mo
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30 yr fixed mtg, 0 points | APR: 4.375% | Rate: 4.375% | Fees: $0 | 30 day rate lock

NMLS #: 2925 | State Lic #: MC-1875
$1,248 /mo
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30 yr fixed mtg, 0 points | APR: 4.385% | Rate: 4.375% | Fees: $299 | 45 day rate lock

NMLS #: 412915
$1,248 /mo
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30 yr fixed mtg, 0 points | APR: 4.433% | Rate: 4.375% | Fees: $1,710 | 60 day rate lock

$1,285 /mo
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30 yr fixed mtg, 0 points | APR: 4.624% | Rate: 4.624% | Fees: $0 | 30 day rate lock

NMLS #: 40508 | State Lic #: MC-2840
$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.000% | Rate: 4.000% | Fees: $10 | 30 day rate lock

$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.015% | Rate: 4.000% | Fees: $441 | 30 day rate lock

NMLS #: 410602
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.148% | Rate: 4.125% | Fees: $695 | 30 day rate lock

NMLS #: 423028
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.168% | Rate: 4.125% | Fees: $1,295 | 30 day rate lock

NMLS #: 3030
$1,304 /mo
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30 yr fixed mtg, 0 points | APR: 4.764% | Rate: 4.750% | Fees: $400 | 30 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 ($1,869)$1,303$566$391,434
2 ($1,869)$1,302$568$390,867
3 ($1,869)$1,300$570$390,297
4 ($1,869)$1,298$571$389,725
5 ($1,869)$1,296$573$389,152
6 ($1,869)$1,294$575$388,577
7 ($1,869)$1,292$577$388,000
8 ($1,869)$1,290$579$387,421
9 ($1,869)$1,288$581$386,839
10 ($1,869)$1,286$583$386,256
11 ($1,869)$1,284$585$385,672
12 ($1,869)$1,282$587$385,085
Year 2 - 13 ($1,869)$1,280$589$384,496
14 ($1,869)$1,278$591$383,905
15 ($1,869)$1,276$593$383,312
16 ($1,869)$1,275$595$382,718
17 ($1,869)$1,273$597$382,121
18 ($1,869)$1,271$599$381,522
19 ($1,869)$1,269$601$380,922
20 ($1,869)$1,267$603$380,319
21 ($1,869)$1,265$605$379,714
22 ($1,869)$1,263$607$379,108
23 ($1,869)$1,261$609$378,499
24 ($1,869)$1,259$611$377,888
Year 3 - 25 ($1,869)$1,256$613$377,276
26 ($1,869)$1,254$615$376,661
27 ($1,869)$1,252$617$376,044
28 ($1,869)$1,250$619$375,425
29 ($1,869)$1,248$621$374,804
30 ($1,869)$1,246$623$374,181
31 ($1,869)$1,244$625$373,556
32 ($1,869)$1,242$627$372,929
33 ($1,869)$1,240$629$372,300
34 ($1,869)$1,238$631$371,669
35 ($1,869)$1,236$633$371,035
36 ($1,869)$1,234$636$370,400
Year 4 - 37 ($1,869)$1,232$638$369,762
38 ($1,869)$1,229$640$369,122
39 ($1,869)$1,227$642$368,480
40 ($1,869)$1,225$644$367,836
41 ($1,869)$1,223$646$367,190
42 ($1,869)$1,221$648$366,542
43 ($1,869)$1,219$650$365,892
44 ($1,869)$1,217$653$365,239
45 ($1,869)$1,214$655$364,584
46 ($1,869)$1,212$657$363,927
47 ($1,869)$1,210$659$363,268
48 ($1,869)$1,208$661$362,607
Year 5 - 49 ($1,869)$1,206$664$361,943
50 ($1,869)$1,203$666$361,277
51 ($1,869)$1,201$668$360,609
52 ($1,869)$1,199$670$359,939
53 ($1,869)$1,197$672$359,267
54 ($1,869)$1,195$675$358,592
55 ($1,869)$1,192$677$357,915
56 ($1,869)$1,190$679$357,236
57 ($1,869)$1,188$681$356,555
58 ($1,869)$1,186$684$355,871
59 ($1,869)$1,183$686$355,185
60 ($1,869)$1,181$688$354,497
Year 6 - 61 ($1,869)$1,179$691$353,806
62 ($1,869)$1,176$693$353,114
63 ($1,869)$1,174$695$352,419
64 ($1,869)$1,172$697$351,721
65 ($1,869)$1,169$700$351,021
66 ($1,869)$1,167$702$350,319
67 ($1,869)$1,165$704$349,615
68 ($1,869)$1,162$707$348,908
69 ($1,869)$1,160$709$348,199
70 ($1,869)$1,158$711$347,488
71 ($1,869)$1,155$714$346,774
72 ($1,869)$1,153$716$346,058
Year 7 - 73 ($1,869)$1,151$719$345,339
74 ($1,869)$1,148$721$344,618
75 ($1,869)$1,146$723$343,895
76 ($1,869)$1,143$726$343,169
77 ($1,869)$1,141$728$342,441
78 ($1,869)$1,139$731$341,710
79 ($1,869)$1,136$733$340,977
80 ($1,869)$1,134$735$340,242
81 ($1,869)$1,131$738$339,504
82 ($1,869)$1,129$740$338,764
83 ($1,869)$1,126$743$338,021
84 ($1,869)$1,124$745$337,275
Year 8 - 85 ($1,869)$1,121$748$336,528
86 ($1,869)$1,119$750$335,777
87 ($1,869)$1,116$753$335,025
88 ($1,869)$1,114$755$334,269
89 ($1,869)$1,111$758$333,512
90 ($1,869)$1,109$760$332,751
91 ($1,869)$1,106$763$331,989
92 ($1,869)$1,104$765$331,223
93 ($1,869)$1,101$768$330,455
94 ($1,869)$1,099$770$329,685
95 ($1,869)$1,096$773$328,912
96 ($1,869)$1,094$776$328,136
Year 9 - 97 ($1,869)$1,091$778$327,358
98 ($1,869)$1,088$781$326,577
99 ($1,869)$1,086$783$325,794
100 ($1,869)$1,083$786$325,008
101 ($1,869)$1,081$789$324,220
102 ($1,869)$1,078$791$323,428
103 ($1,869)$1,075$794$322,635
104 ($1,869)$1,073$796$321,838
105 ($1,869)$1,070$799$321,039
106 ($1,869)$1,067$802$320,237
107 ($1,869)$1,065$804$319,433
108 ($1,869)$1,062$807$318,626
Year 10 - 109 ($1,869)$1,059$810$317,816
110 ($1,869)$1,057$812$317,003
111 ($1,869)$1,054$815$316,188
112 ($1,869)$1,051$818$315,370
113 ($1,869)$1,049$821$314,550
114 ($1,869)$1,046$823$313,726
115 ($1,869)$1,043$826$312,900
116 ($1,869)$1,040$829$312,072
117 ($1,869)$1,038$832$311,240
118 ($1,869)$1,035$834$310,406
119 ($1,869)$1,032$837$309,569
120 ($1,869)$1,029$840$308,729
Year 11 - 121 ($1,869)$1,027$843$307,886
122 ($1,869)$1,024$845$307,041
123 ($1,869)$1,021$848$306,192
124 ($1,869)$1,018$851$305,341
125 ($1,869)$1,015$854$304,487
126 ($1,869)$1,012$857$303,630
127 ($1,869)$1,010$860$302,771
128 ($1,869)$1,007$862$301,908
129 ($1,869)$1,004$865$301,043
130 ($1,869)$1,001$868$300,175
131 ($1,869)$998$871$299,303
132 ($1,869)$995$874$298,429
Year 12 - 133 ($1,869)$992$877$297,553
134 ($1,869)$989$880$296,673
135 ($1,869)$986$883$295,790
136 ($1,869)$984$886$294,904
137 ($1,869)$981$889$294,016
138 ($1,869)$978$892$293,124
139 ($1,869)$975$895$292,229
140 ($1,869)$972$898$291,332
141 ($1,869)$969$901$290,431
142 ($1,869)$966$904$289,528
143 ($1,869)$963$907$288,621
144 ($1,869)$960$910$287,712
Year 13 - 145 ($1,869)$957$913$286,799
146 ($1,869)$954$916$285,884
147 ($1,869)$951$919$284,965
148 ($1,869)$948$922$284,043
149 ($1,869)$944$925$283,118
150 ($1,869)$941$928$282,191
151 ($1,869)$938$931$281,260
152 ($1,869)$935$934$280,326
153 ($1,869)$932$937$279,389
154 ($1,869)$929$940$278,448
155 ($1,869)$926$943$277,505
156 ($1,869)$923$947$276,558
Year 14 - 157 ($1,869)$920$950$275,609
158 ($1,869)$916$953$274,656
159 ($1,869)$913$956$273,700
160 ($1,869)$910$959$272,741
161 ($1,869)$907$962$271,778
162 ($1,869)$904$966$270,813
163 ($1,869)$900$969$269,844
164 ($1,869)$897$972$268,872
165 ($1,869)$894$975$267,897
166 ($1,869)$891$978$266,919
167 ($1,869)$888$982$265,937
168 ($1,869)$884$985$264,952
Year 15 - 169 ($1,869)$881$988$263,964
170 ($1,869)$878$992$262,972
171 ($1,869)$874$995$261,977
172 ($1,869)$871$998$260,979
173 ($1,869)$868$1,001$259,978
174 ($1,869)$864$1,005$258,973
175 ($1,869)$861$1,008$257,965
176 ($1,869)$858$1,011$256,953
177 ($1,869)$854$1,015$255,938
178 ($1,869)$851$1,018$254,920
179 ($1,869)$848$1,022$253,899
180 ($1,869)$844$1,025$252,874
Year 16 - 181 ($1,869)$841$1,028$251,845
182 ($1,869)$837$1,032$250,813
183 ($1,869)$834$1,035$249,778
184 ($1,869)$831$1,039$248,739
185 ($1,869)$827$1,042$247,697
186 ($1,869)$824$1,046$246,652
187 ($1,869)$820$1,049$245,603
188 ($1,869)$817$1,053$244,550
189 ($1,869)$813$1,056$243,494
190 ($1,869)$810$1,060$242,434
191 ($1,869)$806$1,063$241,371
192 ($1,869)$803$1,067$240,305
Year 17 - 193 ($1,869)$799$1,070$239,234
194 ($1,869)$795$1,074$238,161
195 ($1,869)$792$1,077$237,083
196 ($1,869)$788$1,081$236,002
197 ($1,869)$785$1,085$234,918
198 ($1,869)$781$1,088$233,830
199 ($1,869)$777$1,092$232,738
200 ($1,869)$774$1,095$231,643
201 ($1,869)$770$1,099$230,544
202 ($1,869)$767$1,103$229,441
203 ($1,869)$763$1,106$228,335
204 ($1,869)$759$1,110$227,225
Year 18 - 205 ($1,869)$756$1,114$226,111
206 ($1,869)$752$1,117$224,994
207 ($1,869)$748$1,121$223,873
208 ($1,869)$744$1,125$222,748
209 ($1,869)$741$1,129$221,619
210 ($1,869)$737$1,132$220,487
211 ($1,869)$733$1,136$219,351
212 ($1,869)$729$1,140$218,211
213 ($1,869)$726$1,144$217,067
214 ($1,869)$722$1,147$215,920
215 ($1,869)$718$1,151$214,768
216 ($1,869)$714$1,155$213,613
Year 19 - 217 ($1,869)$710$1,159$212,454
218 ($1,869)$706$1,163$211,292
219 ($1,869)$703$1,167$210,125
220 ($1,869)$699$1,171$208,954
221 ($1,869)$695$1,174$207,780
222 ($1,869)$691$1,178$206,602
223 ($1,869)$687$1,182$205,419
224 ($1,869)$683$1,186$204,233
225 ($1,869)$679$1,190$203,043
226 ($1,869)$675$1,194$201,849
227 ($1,869)$671$1,198$200,651
228 ($1,869)$667$1,202$199,449
Year 20 - 229 ($1,869)$663$1,206$198,243
230 ($1,869)$659$1,210$197,033
231 ($1,869)$655$1,214$195,819
232 ($1,869)$651$1,218$194,601
233 ($1,869)$647$1,222$193,378
234 ($1,869)$643$1,226$192,152
235 ($1,869)$639$1,230$190,922
236 ($1,869)$635$1,234$189,688
237 ($1,869)$631$1,238$188,449
238 ($1,869)$627$1,243$187,206
239 ($1,869)$622$1,247$185,960
240 ($1,869)$618$1,251$184,709
Year 21 - 241 ($1,869)$614$1,255$183,454
242 ($1,869)$610$1,259$182,194
243 ($1,869)$606$1,263$180,931
244 ($1,869)$602$1,268$179,663
245 ($1,869)$597$1,272$178,392
246 ($1,869)$593$1,276$177,116
247 ($1,869)$589$1,280$175,835
248 ($1,869)$585$1,285$174,551
249 ($1,869)$580$1,289$173,262
250 ($1,869)$576$1,293$171,969
251 ($1,869)$572$1,297$170,671
252 ($1,869)$567$1,302$169,370
Year 22 - 253 ($1,869)$563$1,306$168,064
254 ($1,869)$559$1,310$166,753
255 ($1,869)$554$1,315$165,438
256 ($1,869)$550$1,319$164,119
257 ($1,869)$546$1,324$162,796
258 ($1,869)$541$1,328$161,468
259 ($1,869)$537$1,332$160,136
260 ($1,869)$532$1,337$158,799
261 ($1,869)$528$1,341$157,458
262 ($1,869)$524$1,346$156,112
263 ($1,869)$519$1,350$154,762
264 ($1,869)$515$1,355$153,407
Year 23 - 265 ($1,869)$510$1,359$152,048
266 ($1,869)$506$1,364$150,684
267 ($1,869)$501$1,368$149,316
268 ($1,869)$496$1,373$147,943
269 ($1,869)$492$1,377$146,566
270 ($1,869)$487$1,382$145,184
271 ($1,869)$483$1,386$143,798
272 ($1,869)$478$1,391$142,407
273 ($1,869)$474$1,396$141,011
274 ($1,869)$469$1,400$139,611
275 ($1,869)$464$1,405$138,206
276 ($1,869)$460$1,410$136,796
Year 24 - 277 ($1,869)$455$1,414$135,382
278 ($1,869)$450$1,419$133,963
279 ($1,869)$445$1,424$132,539
280 ($1,869)$441$1,429$131,110
281 ($1,869)$436$1,433$129,677
282 ($1,869)$431$1,438$128,239
283 ($1,869)$426$1,443$126,796
284 ($1,869)$422$1,448$125,349
285 ($1,869)$417$1,452$123,896
286 ($1,869)$412$1,457$122,439
287 ($1,869)$407$1,462$120,977
288 ($1,869)$402$1,467$119,510
Year 25 - 289 ($1,869)$397$1,472$118,038
290 ($1,869)$392$1,477$116,561
291 ($1,869)$388$1,482$115,080
292 ($1,869)$383$1,487$113,593
293 ($1,869)$378$1,492$112,102
294 ($1,869)$373$1,496$110,605
295 ($1,869)$368$1,501$109,104
296 ($1,869)$363$1,506$107,597
297 ($1,869)$358$1,511$106,086
298 ($1,869)$353$1,516$104,569
299 ($1,869)$348$1,522$103,048
300 ($1,869)$343$1,527$101,521
Year 26 - 301 ($1,869)$338$1,532$99,990
302 ($1,869)$332$1,537$98,453
303 ($1,869)$327$1,542$96,911
304 ($1,869)$322$1,547$95,364
305 ($1,869)$317$1,552$93,812
306 ($1,869)$312$1,557$92,255
307 ($1,869)$307$1,562$90,692
308 ($1,869)$302$1,568$89,124
309 ($1,869)$296$1,573$87,552
310 ($1,869)$291$1,578$85,973
311 ($1,869)$286$1,583$84,390
312 ($1,869)$281$1,589$82,801
Year 27 - 313 ($1,869)$275$1,594$81,208
314 ($1,869)$270$1,599$79,608
315 ($1,869)$265$1,605$78,004
316 ($1,869)$259$1,610$76,394
317 ($1,869)$254$1,615$74,779
318 ($1,869)$249$1,621$73,158
319 ($1,869)$243$1,626$71,532
320 ($1,869)$238$1,631$69,901
321 ($1,869)$232$1,637$68,264
322 ($1,869)$227$1,642$66,622
323 ($1,869)$222$1,648$64,974
324 ($1,869)$216$1,653$63,321
Year 28 - 325 ($1,869)$211$1,659$61,662
326 ($1,869)$205$1,664$59,998
327 ($1,869)$199$1,670$58,329
328 ($1,869)$194$1,675$56,653
329 ($1,869)$188$1,681$54,972
330 ($1,869)$183$1,686$53,286
331 ($1,869)$177$1,692$51,594
332 ($1,869)$172$1,698$49,896
333 ($1,869)$166$1,703$48,193
334 ($1,869)$160$1,709$46,484
335 ($1,869)$155$1,715$44,769
336 ($1,869)$149$1,720$43,049
Year 29 - 337 ($1,869)$143$1,726$41,323
338 ($1,869)$137$1,732$39,591
339 ($1,869)$132$1,738$37,854
340 ($1,869)$126$1,743$36,110
341 ($1,869)$120$1,749$34,361
342 ($1,869)$114$1,755$32,606
343 ($1,869)$108$1,761$30,845
344 ($1,869)$103$1,767$29,079
345 ($1,869)$97$1,773$27,306
346 ($1,869)$91$1,778$25,528
347 ($1,869)$85$1,784$23,743
348 ($1,869)$79$1,790$21,953
Year 30 - 349 ($1,869)$73$1,796$20,157
350 ($1,869)$67$1,802$18,355
351 ($1,869)$61$1,808$16,547
352 ($1,869)$55$1,814$14,732
353 ($1,869)$49$1,820$12,912
354 ($1,869)$43$1,826$11,086
355 ($1,869)$37$1,832$9,254
356 ($1,869)$31$1,838$7,415
357 ($1,869)$25$1,845$5,571
358 ($1,869)$19$1,851$3,720
359 ($1,869)$12$1,857$1,863
360 ($1,869)$6$1,863$0
TOTALS$280,915$392,000$672,915

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.