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Mortgage Payment Schedule for a $78,000 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 23, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($15,600) may require pre-mortgage insurance


3.92% is current rate for 30-year fixed
3.32% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$295 360 $43,813 $106,213

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,182 or less (zip code: 20149)


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 #: 181005
$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

NMLS #: 1838 | State Lic #: MC-4344
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.666% | Rate: 3.625% | Fees: $1,256 | 30 day rate lock

NMLS #: 66247 | State Lic #: MC-1825
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.689% | Rate: 3.625% | Fees: $1,962 | 30 day rate lock

NMLS #: 2890 | State Lic #: MC-3098
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.751% | Rate: 3.750% | Fees: $23 | 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
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.182% | Rate: 4.125% | Fees: $1,710 | 60 day rate lock

NMLS #: 424182
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.780% | Rate: 3.750% | Fees: $909 | 30 day rate lock

NMLS #: 417490
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.907% | Rate: 3.875% | Fees: $962 | 30 day rate lock

NMLS #: 227765 | State Lic #: MC-5920
$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 #: 2925 | State Lic #: MC-1875
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.135% | Rate: 4.125% | Fees: $299 | 45 day rate lock

NMLS #: 7706
$1,176 /mo
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Next
30 yr fixed mtg, 0 points | APR: 3.875% | Rate: 3.875% | Fees: $0 | 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  $78,000
Down Payment $15,600$62,400
Year 1 - 1 ($295)$204$91$62,309
2 ($295)$204$91$62,217
3 ($295)$203$92$62,126
4 ($295)$203$92$62,033
5 ($295)$203$92$61,941
6 ($295)$202$93$61,848
7 ($295)$202$93$61,755
8 ($295)$202$93$61,662
9 ($295)$201$94$61,568
10 ($295)$201$94$61,475
11 ($295)$201$94$61,380
12 ($295)$201$95$61,286
Year 2 - 13 ($295)$200$95$61,191
14 ($295)$200$95$61,096
15 ($295)$200$95$61,000
16 ($295)$199$96$60,905
17 ($295)$199$96$60,808
18 ($295)$199$96$60,712
19 ($295)$198$97$60,615
20 ($295)$198$97$60,518
21 ($295)$198$97$60,421
22 ($295)$197$98$60,323
23 ($295)$197$98$60,225
24 ($295)$197$98$60,127
Year 3 - 25 ($295)$196$99$60,028
26 ($295)$196$99$59,929
27 ($295)$196$99$59,830
28 ($295)$195$100$59,731
29 ($295)$195$100$59,631
30 ($295)$195$100$59,530
31 ($295)$194$101$59,430
32 ($295)$194$101$59,329
33 ($295)$194$101$59,228
34 ($295)$193$102$59,126
35 ($295)$193$102$59,024
36 ($295)$193$102$58,922
Year 4 - 37 ($295)$192$103$58,820
38 ($295)$192$103$58,717
39 ($295)$192$103$58,613
40 ($295)$191$104$58,510
41 ($295)$191$104$58,406
42 ($295)$191$104$58,302
43 ($295)$190$105$58,197
44 ($295)$190$105$58,092
45 ($295)$190$105$57,987
46 ($295)$189$106$57,881
47 ($295)$189$106$57,775
48 ($295)$189$106$57,669
Year 5 - 49 ($295)$188$107$57,562
50 ($295)$188$107$57,455
51 ($295)$188$107$57,348
52 ($295)$187$108$57,240
53 ($295)$187$108$57,132
54 ($295)$187$108$57,024
55 ($295)$186$109$56,915
56 ($295)$186$109$56,806
57 ($295)$186$109$56,697
58 ($295)$185$110$56,587
59 ($295)$185$110$56,477
60 ($295)$184$111$56,366
Year 6 - 61 ($295)$184$111$56,255
62 ($295)$184$111$56,144
63 ($295)$183$112$56,032
64 ($295)$183$112$55,920
65 ($295)$183$112$55,808
66 ($295)$182$113$55,695
67 ($295)$182$113$55,582
68 ($295)$182$113$55,469
69 ($295)$181$114$55,355
70 ($295)$181$114$55,240
71 ($295)$180$115$55,126
72 ($295)$180$115$55,011
Year 7 - 73 ($295)$180$115$54,896
74 ($295)$179$116$54,780
75 ($295)$179$116$54,664
76 ($295)$179$116$54,547
77 ($295)$178$117$54,430
78 ($295)$178$117$54,313
79 ($295)$177$118$54,196
80 ($295)$177$118$54,078
81 ($295)$177$118$53,959
82 ($295)$176$119$53,841
83 ($295)$176$119$53,721
84 ($295)$175$120$53,602
Year 8 - 85 ($295)$175$120$53,482
86 ($295)$175$120$53,362
87 ($295)$174$121$53,241
88 ($295)$174$121$53,120
89 ($295)$174$122$52,998
90 ($295)$173$122$52,876
91 ($295)$173$122$52,754
92 ($295)$172$123$52,631
93 ($295)$172$123$52,508
94 ($295)$172$124$52,385
95 ($295)$171$124$52,261
96 ($295)$171$124$52,136
Year 9 - 97 ($295)$170$125$52,012
98 ($295)$170$125$51,887
99 ($295)$169$126$51,761
100 ($295)$169$126$51,635
101 ($295)$169$126$51,509
102 ($295)$168$127$51,382
103 ($295)$168$127$51,255
104 ($295)$167$128$51,127
105 ($295)$167$128$50,999
106 ($295)$167$128$50,871
107 ($295)$166$129$50,742
108 ($295)$166$129$50,613
Year 10 - 109 ($295)$165$130$50,483
110 ($295)$165$130$50,353
111 ($295)$164$131$50,222
112 ($295)$164$131$50,091
113 ($295)$164$131$49,960
114 ($295)$163$132$49,828
115 ($295)$163$132$49,696
116 ($295)$162$133$49,563
117 ($295)$162$133$49,430
118 ($295)$161$134$49,296
119 ($295)$161$134$49,162
120 ($295)$161$134$49,028
Year 11 - 121 ($295)$160$135$48,893
122 ($295)$160$135$48,758
123 ($295)$159$136$48,622
124 ($295)$159$136$48,486
125 ($295)$158$137$48,349
126 ($295)$158$137$48,212
127 ($295)$157$138$48,074
128 ($295)$157$138$47,936
129 ($295)$157$138$47,798
130 ($295)$156$139$47,659
131 ($295)$156$139$47,520
132 ($295)$155$140$47,380
Year 12 - 133 ($295)$155$140$47,240
134 ($295)$154$141$47,099
135 ($295)$154$141$46,958
136 ($295)$153$142$46,816
137 ($295)$153$142$46,674
138 ($295)$152$143$46,531
139 ($295)$152$143$46,388
140 ($295)$152$144$46,245
141 ($295)$151$144$46,101
142 ($295)$151$144$45,956
143 ($295)$150$145$45,812
144 ($295)$150$145$45,666
Year 13 - 145 ($295)$149$146$45,520
146 ($295)$149$146$45,374
147 ($295)$148$147$45,227
148 ($295)$148$147$45,080
149 ($295)$147$148$44,932
150 ($295)$147$148$44,784
151 ($295)$146$149$44,635
152 ($295)$146$149$44,486
153 ($295)$145$150$44,336
154 ($295)$145$150$44,186
155 ($295)$144$151$44,035
156 ($295)$144$151$43,884
Year 14 - 157 ($295)$143$152$43,732
158 ($295)$143$152$43,580
159 ($295)$142$153$43,428
160 ($295)$142$153$43,274
161 ($295)$141$154$43,121
162 ($295)$141$154$42,967
163 ($295)$140$155$42,812
164 ($295)$140$155$42,657
165 ($295)$139$156$42,501
166 ($295)$139$156$42,345
167 ($295)$138$157$42,188
168 ($295)$138$157$42,031
Year 15 - 169 ($295)$137$158$41,873
170 ($295)$137$158$41,715
171 ($295)$136$159$41,556
172 ($295)$136$159$41,397
173 ($295)$135$160$41,237
174 ($295)$135$160$41,077
175 ($295)$134$161$40,916
176 ($295)$134$161$40,754
177 ($295)$133$162$40,593
178 ($295)$133$162$40,430
179 ($295)$132$163$40,267
180 ($295)$132$163$40,104
Year 16 - 181 ($295)$131$164$39,940
182 ($295)$130$165$39,775
183 ($295)$130$165$39,610
184 ($295)$129$166$39,444
185 ($295)$129$166$39,278
186 ($295)$128$167$39,111
187 ($295)$128$167$38,944
188 ($295)$127$168$38,776
189 ($295)$127$168$38,608
190 ($295)$126$169$38,439
191 ($295)$126$169$38,270
192 ($295)$125$170$38,099
Year 17 - 193 ($295)$124$171$37,929
194 ($295)$124$171$37,758
195 ($295)$123$172$37,586
196 ($295)$123$172$37,414
197 ($295)$122$173$37,241
198 ($295)$122$173$37,068
199 ($295)$121$174$36,894
200 ($295)$121$175$36,719
201 ($295)$120$175$36,544
202 ($295)$119$176$36,368
203 ($295)$119$176$36,192
204 ($295)$118$177$36,015
Year 18 - 205 ($295)$118$177$35,838
206 ($295)$117$178$35,660
207 ($295)$116$179$35,481
208 ($295)$116$179$35,302
209 ($295)$115$180$35,123
210 ($295)$115$180$34,942
211 ($295)$114$181$34,761
212 ($295)$114$181$34,580
213 ($295)$113$182$34,398
214 ($295)$112$183$34,215
215 ($295)$112$183$34,032
216 ($295)$111$184$33,848
Year 19 - 217 ($295)$111$184$33,664
218 ($295)$110$185$33,479
219 ($295)$109$186$33,293
220 ($295)$109$186$33,107
221 ($295)$108$187$32,920
222 ($295)$108$187$32,732
223 ($295)$107$188$32,544
224 ($295)$106$189$32,355
225 ($295)$106$189$32,166
226 ($295)$105$190$31,976
227 ($295)$104$191$31,785
228 ($295)$104$191$31,594
Year 20 - 229 ($295)$103$192$31,402
230 ($295)$103$192$31,210
231 ($295)$102$193$31,017
232 ($295)$101$194$30,823
233 ($295)$101$194$30,629
234 ($295)$100$195$30,434
235 ($295)$99$196$30,238
236 ($295)$99$196$30,042
237 ($295)$98$197$29,845
238 ($295)$97$198$29,648
239 ($295)$97$198$29,449
240 ($295)$96$199$29,251
Year 21 - 241 ($295)$96$199$29,051
242 ($295)$95$200$28,851
243 ($295)$94$201$28,650
244 ($295)$94$201$28,449
245 ($295)$93$202$28,247
246 ($295)$92$203$28,044
247 ($295)$92$203$27,840
248 ($295)$91$204$27,636
249 ($295)$90$205$27,432
250 ($295)$90$205$27,226
251 ($295)$89$206$27,020
252 ($295)$88$207$26,813
Year 22 - 253 ($295)$88$207$26,606
254 ($295)$87$208$26,398
255 ($295)$86$209$26,189
256 ($295)$86$209$25,979
257 ($295)$85$210$25,769
258 ($295)$84$211$25,558
259 ($295)$83$212$25,347
260 ($295)$83$212$25,135
261 ($295)$82$213$24,922
262 ($295)$81$214$24,708
263 ($295)$81$214$24,494
264 ($295)$80$215$24,279
Year 23 - 265 ($295)$79$216$24,063
266 ($295)$79$216$23,846
267 ($295)$78$217$23,629
268 ($295)$77$218$23,412
269 ($295)$76$219$23,193
270 ($295)$76$219$22,974
271 ($295)$75$220$22,754
272 ($295)$74$221$22,533
273 ($295)$74$221$22,312
274 ($295)$73$222$22,089
275 ($295)$72$223$21,867
276 ($295)$71$224$21,643
Year 24 - 277 ($295)$71$224$21,419
278 ($295)$70$225$21,194
279 ($295)$69$226$20,968
280 ($295)$68$227$20,741
281 ($295)$68$227$20,514
282 ($295)$67$228$20,286
283 ($295)$66$229$20,057
284 ($295)$66$230$19,828
285 ($295)$65$230$19,597
286 ($295)$64$231$19,366
287 ($295)$63$232$19,135
288 ($295)$63$233$18,902
Year 25 - 289 ($295)$62$233$18,669
290 ($295)$61$234$18,435
291 ($295)$60$235$18,200
292 ($295)$59$236$17,964
293 ($295)$59$236$17,728
294 ($295)$58$237$17,491
295 ($295)$57$238$17,253
296 ($295)$56$239$17,014
297 ($295)$56$239$16,775
298 ($295)$55$240$16,534
299 ($295)$54$241$16,293
300 ($295)$53$242$16,052
Year 26 - 301 ($295)$52$243$15,809
302 ($295)$52$243$15,566
303 ($295)$51$244$15,321
304 ($295)$50$245$15,076
305 ($295)$49$246$14,831
306 ($295)$48$247$14,584
307 ($295)$48$247$14,337
308 ($295)$47$248$14,089
309 ($295)$46$249$13,839
310 ($295)$45$250$13,590
311 ($295)$44$251$13,339
312 ($295)$44$251$13,088
Year 27 - 313 ($295)$43$252$12,835
314 ($295)$42$253$12,582
315 ($295)$41$254$12,328
316 ($295)$40$255$12,073
317 ($295)$39$256$11,818
318 ($295)$39$256$11,561
319 ($295)$38$257$11,304
320 ($295)$37$258$11,046
321 ($295)$36$259$10,787
322 ($295)$35$260$10,527
323 ($295)$34$261$10,267
324 ($295)$34$261$10,005
Year 28 - 325 ($295)$33$262$9,743
326 ($295)$32$263$9,480
327 ($295)$31$264$9,216
328 ($295)$30$265$8,951
329 ($295)$29$266$8,685
330 ($295)$28$267$8,418
331 ($295)$27$268$8,151
332 ($295)$27$268$7,882
333 ($295)$26$269$7,613
334 ($295)$25$270$7,343
335 ($295)$24$271$7,072
336 ($295)$23$272$6,800
Year 29 - 337 ($295)$22$273$6,527
338 ($295)$21$274$6,253
339 ($295)$20$275$5,979
340 ($295)$20$276$5,703
341 ($295)$19$276$5,427
342 ($295)$18$277$5,149
343 ($295)$17$278$4,871
344 ($295)$16$279$4,592
345 ($295)$15$280$4,312
346 ($295)$14$281$4,031
347 ($295)$13$282$3,749
348 ($295)$12$283$3,466
Year 30 - 349 ($295)$11$284$3,183
350 ($295)$10$285$2,898
351 ($295)$9$286$2,612
352 ($295)$9$287$2,326
353 ($295)$8$287$2,039
354 ($295)$7$288$1,750
355 ($295)$6$289$1,461
356 ($295)$5$290$1,171
357 ($295)$4$291$879
358 ($295)$3$292$587
359 ($295)$2$293$294
360 ($295)$1$294$0
TOTALS$43,813$62,400$106,213

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.