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Mortgage Payment Schedule for a $85,000 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 September 21, 2017. Check LendingTree to see current rates from multiple lenders or view the mortgage providers listed below.

Mortgage Parameters


Less than 20% ($17,000) may require pre-mortgage insurance


3.83% is current rate for 30-year fixed
3.13% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$318 360 $46,485 $114,485

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,169 or less (zip code: 20149)


NMLS #: 1838 | State Lic #: MC-4344
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.639% | Rate: 3.625% | Fees: $445 | 30 day rate lock

NMLS #: 3294 | State Lic #: MC-1971
$1,140 /mo
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30 yr fixed mtg, 0 points | APR: 3.656% | Rate: 3.625% | Fees: $950 | 30 day rate lock

NMLS #: 1071 | State Lic #: MC-1772
$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 #: 258821
$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 #: 66247 Cardinal Financial | State Lic #: MC-1825
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.764% | Rate: 3.750% | Fees: $432 | 30 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

$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

$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 #: 7706
$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
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  $85,000
Down Payment $17,000$68,000
Year 1 - 1 ($318)$217$101$67,899
2 ($318)$217$101$67,798
3 ($318)$216$102$67,696
4 ($318)$216$102$67,594
5 ($318)$216$102$67,492
6 ($318)$215$103$67,389
7 ($318)$215$103$67,286
8 ($318)$215$103$67,183
9 ($318)$214$104$67,079
10 ($318)$214$104$66,976
11 ($318)$214$104$66,871
12 ($318)$213$105$66,767
Year 2 - 13 ($318)$213$105$66,662
14 ($318)$213$105$66,557
15 ($318)$212$106$66,451
16 ($318)$212$106$66,345
17 ($318)$212$106$66,239
18 ($318)$211$107$66,132
19 ($318)$211$107$66,025
20 ($318)$211$107$65,918
21 ($318)$210$108$65,810
22 ($318)$210$108$65,702
23 ($318)$210$108$65,594
24 ($318)$209$109$65,485
Year 3 - 25 ($318)$209$109$65,376
26 ($318)$209$109$65,267
27 ($318)$208$110$65,157
28 ($318)$208$110$65,047
29 ($318)$208$110$64,937
30 ($318)$207$111$64,826
31 ($318)$207$111$64,715
32 ($318)$207$111$64,604
33 ($318)$206$112$64,492
34 ($318)$206$112$64,380
35 ($318)$205$113$64,267
36 ($318)$205$113$64,154
Year 4 - 37 ($318)$205$113$64,041
38 ($318)$204$114$63,927
39 ($318)$204$114$63,813
40 ($318)$204$114$63,699
41 ($318)$203$115$63,584
42 ($318)$203$115$63,469
43 ($318)$203$115$63,354
44 ($318)$202$116$63,238
45 ($318)$202$116$63,122
46 ($318)$201$117$63,005
47 ($318)$201$117$62,888
48 ($318)$201$117$62,771
Year 5 - 49 ($318)$200$118$62,653
50 ($318)$200$118$62,535
51 ($318)$200$118$62,417
52 ($318)$199$119$62,298
53 ($318)$199$119$62,179
54 ($318)$198$120$62,059
55 ($318)$198$120$61,939
56 ($318)$198$120$61,819
57 ($318)$197$121$61,698
58 ($318)$197$121$61,577
59 ($318)$197$121$61,456
60 ($318)$196$122$61,334
Year 6 - 61 ($318)$196$122$61,212
62 ($318)$195$123$61,089
63 ($318)$195$123$60,966
64 ($318)$195$123$60,843
65 ($318)$194$124$60,719
66 ($318)$194$124$60,594
67 ($318)$193$125$60,470
68 ($318)$193$125$60,345
69 ($318)$193$125$60,219
70 ($318)$192$126$60,094
71 ($318)$192$126$59,967
72 ($318)$191$127$59,841
Year 7 - 73 ($318)$191$127$59,714
74 ($318)$191$127$59,586
75 ($318)$190$128$59,458
76 ($318)$190$128$59,330
77 ($318)$189$129$59,202
78 ($318)$189$129$59,073
79 ($318)$189$129$58,943
80 ($318)$188$130$58,813
81 ($318)$188$130$58,683
82 ($318)$187$131$58,552
83 ($318)$187$131$58,421
84 ($318)$186$132$58,289
Year 8 - 85 ($318)$186$132$58,157
86 ($318)$186$132$58,025
87 ($318)$185$133$57,892
88 ($318)$185$133$57,759
89 ($318)$184$134$57,625
90 ($318)$184$134$57,491
91 ($318)$183$135$57,357
92 ($318)$183$135$57,222
93 ($318)$183$135$57,086
94 ($318)$182$136$56,951
95 ($318)$182$136$56,814
96 ($318)$181$137$56,678
Year 9 - 97 ($318)$181$137$56,541
98 ($318)$180$138$56,403
99 ($318)$180$138$56,265
100 ($318)$180$138$56,127
101 ($318)$179$139$55,988
102 ($318)$179$139$55,848
103 ($318)$178$140$55,709
104 ($318)$178$140$55,568
105 ($318)$177$141$55,428
106 ($318)$177$141$55,287
107 ($318)$176$142$55,145
108 ($318)$176$142$55,003
Year 10 - 109 ($318)$176$142$54,861
110 ($318)$175$143$54,718
111 ($318)$175$143$54,574
112 ($318)$174$144$54,431
113 ($318)$174$144$54,286
114 ($318)$173$145$54,141
115 ($318)$173$145$53,996
116 ($318)$172$146$53,851
117 ($318)$172$146$53,704
118 ($318)$171$147$53,558
119 ($318)$171$147$53,411
120 ($318)$170$148$53,263
Year 11 - 121 ($318)$170$148$53,115
122 ($318)$170$148$52,967
123 ($318)$169$149$52,818
124 ($318)$169$149$52,668
125 ($318)$168$150$52,518
126 ($318)$168$150$52,368
127 ($318)$167$151$52,217
128 ($318)$167$151$52,066
129 ($318)$166$152$51,914
130 ($318)$166$152$51,762
131 ($318)$165$153$51,609
132 ($318)$165$153$51,456
Year 12 - 133 ($318)$164$154$51,302
134 ($318)$164$154$51,147
135 ($318)$163$155$50,993
136 ($318)$163$155$50,837
137 ($318)$162$156$50,682
138 ($318)$162$156$50,525
139 ($318)$161$157$50,369
140 ($318)$161$157$50,211
141 ($318)$160$158$50,054
142 ($318)$160$158$49,895
143 ($318)$159$159$49,737
144 ($318)$159$159$49,577
Year 13 - 145 ($318)$158$160$49,418
146 ($318)$158$160$49,257
147 ($318)$157$161$49,097
148 ($318)$157$161$48,935
149 ($318)$156$162$48,773
150 ($318)$156$162$48,611
151 ($318)$155$163$48,448
152 ($318)$155$163$48,285
153 ($318)$154$164$48,121
154 ($318)$154$164$47,956
155 ($318)$153$165$47,791
156 ($318)$153$165$47,626
Year 14 - 157 ($318)$152$166$47,460
158 ($318)$151$167$47,293
159 ($318)$151$167$47,126
160 ($318)$150$168$46,959
161 ($318)$150$168$46,791
162 ($318)$149$169$46,622
163 ($318)$149$169$46,453
164 ($318)$148$170$46,283
165 ($318)$148$170$46,113
166 ($318)$147$171$45,942
167 ($318)$147$171$45,771
168 ($318)$146$172$45,599
Year 15 - 169 ($318)$146$172$45,426
170 ($318)$145$173$45,253
171 ($318)$144$174$45,079
172 ($318)$144$174$44,905
173 ($318)$143$175$44,731
174 ($318)$143$175$44,555
175 ($318)$142$176$44,380
176 ($318)$142$176$44,203
177 ($318)$141$177$44,026
178 ($318)$141$177$43,849
179 ($318)$140$178$43,671
180 ($318)$139$179$43,492
Year 16 - 181 ($318)$139$179$43,313
182 ($318)$138$180$43,133
183 ($318)$138$180$42,953
184 ($318)$137$181$42,772
185 ($318)$137$181$42,590
186 ($318)$136$182$42,408
187 ($318)$135$183$42,226
188 ($318)$135$183$42,042
189 ($318)$134$184$41,859
190 ($318)$134$184$41,674
191 ($318)$133$185$41,489
192 ($318)$132$186$41,304
Year 17 - 193 ($318)$132$186$41,117
194 ($318)$131$187$40,931
195 ($318)$131$187$40,743
196 ($318)$130$188$40,555
197 ($318)$129$189$40,367
198 ($318)$129$189$40,177
199 ($318)$128$190$39,988
200 ($318)$128$190$39,797
201 ($318)$127$191$39,606
202 ($318)$126$192$39,415
203 ($318)$126$192$39,223
204 ($318)$125$193$39,030
Year 18 - 205 ($318)$125$193$38,836
206 ($318)$124$194$38,642
207 ($318)$123$195$38,447
208 ($318)$123$195$38,252
209 ($318)$122$196$38,056
210 ($318)$121$197$37,860
211 ($318)$121$197$37,663
212 ($318)$120$198$37,465
213 ($318)$120$198$37,266
214 ($318)$119$199$37,067
215 ($318)$118$200$36,868
216 ($318)$118$200$36,667
Year 19 - 217 ($318)$117$201$36,466
218 ($318)$116$202$36,265
219 ($318)$116$202$36,062
220 ($318)$115$203$35,859
221 ($318)$114$204$35,656
222 ($318)$114$204$35,452
223 ($318)$113$205$35,247
224 ($318)$112$206$35,041
225 ($318)$112$206$34,835
226 ($318)$111$207$34,628
227 ($318)$111$207$34,421
228 ($318)$110$208$34,213
Year 20 - 229 ($318)$109$209$34,004
230 ($318)$109$209$33,794
231 ($318)$108$210$33,584
232 ($318)$107$211$33,373
233 ($318)$107$211$33,162
234 ($318)$106$212$32,950
235 ($318)$105$213$32,737
236 ($318)$104$214$32,523
237 ($318)$104$214$32,309
238 ($318)$103$215$32,094
239 ($318)$102$216$31,879
240 ($318)$102$216$31,662
Year 21 - 241 ($318)$101$217$31,445
242 ($318)$100$218$31,228
243 ($318)$100$218$31,009
244 ($318)$99$219$30,790
245 ($318)$98$220$30,571
246 ($318)$98$220$30,350
247 ($318)$97$221$30,129
248 ($318)$96$222$29,907
249 ($318)$95$223$29,685
250 ($318)$95$223$29,461
251 ($318)$94$224$29,237
252 ($318)$93$225$29,013
Year 22 - 253 ($318)$93$225$28,787
254 ($318)$92$226$28,561
255 ($318)$91$227$28,334
256 ($318)$90$228$28,107
257 ($318)$90$228$27,878
258 ($318)$89$229$27,649
259 ($318)$88$230$27,420
260 ($318)$88$230$27,189
261 ($318)$87$231$26,958
262 ($318)$86$232$26,726
263 ($318)$85$233$26,493
264 ($318)$85$233$26,260
Year 23 - 265 ($318)$84$234$26,025
266 ($318)$83$235$25,790
267 ($318)$82$236$25,555
268 ($318)$82$236$25,318
269 ($318)$81$237$25,081
270 ($318)$80$238$24,843
271 ($318)$79$239$24,604
272 ($318)$79$239$24,365
273 ($318)$78$240$24,125
274 ($318)$77$241$23,884
275 ($318)$76$242$23,642
276 ($318)$75$243$23,399
Year 24 - 277 ($318)$75$243$23,156
278 ($318)$74$244$22,912
279 ($318)$73$245$22,667
280 ($318)$72$246$22,421
281 ($318)$72$246$22,175
282 ($318)$71$247$21,928
283 ($318)$70$248$21,680
284 ($318)$69$249$21,431
285 ($318)$68$250$21,181
286 ($318)$68$250$20,931
287 ($318)$67$251$20,680
288 ($318)$66$252$20,428
Year 25 - 289 ($318)$65$253$20,175
290 ($318)$64$254$19,921
291 ($318)$64$254$19,667
292 ($318)$63$255$19,411
293 ($318)$62$256$19,155
294 ($318)$61$257$18,899
295 ($318)$60$258$18,641
296 ($318)$59$259$18,382
297 ($318)$59$259$18,123
298 ($318)$58$260$17,863
299 ($318)$57$261$17,602
300 ($318)$56$262$17,340
Year 26 - 301 ($318)$55$263$17,077
302 ($318)$55$264$16,814
303 ($318)$54$264$16,549
304 ($318)$53$265$16,284
305 ($318)$52$266$16,018
306 ($318)$51$267$15,751
307 ($318)$50$268$15,484
308 ($318)$49$269$15,215
309 ($318)$49$269$14,946
310 ($318)$48$270$14,675
311 ($318)$47$271$14,404
312 ($318)$46$272$14,132
Year 27 - 313 ($318)$45$273$13,859
314 ($318)$44$274$13,585
315 ($318)$43$275$13,311
316 ($318)$42$276$13,035
317 ($318)$42$276$12,759
318 ($318)$41$277$12,481
319 ($318)$40$278$12,203
320 ($318)$39$279$11,924
321 ($318)$38$280$11,644
322 ($318)$37$281$11,363
323 ($318)$36$282$11,082
324 ($318)$35$283$10,799
Year 28 - 325 ($318)$34$284$10,515
326 ($318)$34$284$10,231
327 ($318)$33$285$9,946
328 ($318)$32$286$9,659
329 ($318)$31$287$9,372
330 ($318)$30$288$9,084
331 ($318)$29$289$8,795
332 ($318)$28$290$8,505
333 ($318)$27$291$8,214
334 ($318)$26$292$7,922
335 ($318)$25$293$7,630
336 ($318)$24$294$7,336
Year 29 - 337 ($318)$23$295$7,041
338 ($318)$22$296$6,746
339 ($318)$22$296$6,449
340 ($318)$21$297$6,152
341 ($318)$20$298$5,854
342 ($318)$19$299$5,554
343 ($318)$18$300$5,254
344 ($318)$17$301$4,953
345 ($318)$16$302$4,651
346 ($318)$15$303$4,347
347 ($318)$14$304$4,043
348 ($318)$13$305$3,738
Year 30 - 349 ($318)$12$306$3,432
350 ($318)$11$307$3,125
351 ($318)$10$308$2,817
352 ($318)$9$309$2,508
353 ($318)$8$310$2,198
354 ($318)$7$311$1,887
355 ($318)$6$312$1,575
356 ($318)$5$313$1,262
357 ($318)$4$314$948
358 ($318)$3$315$633
359 ($318)$2$316$317
360 ($318)$1$317$0
TOTALS$46,485$68,000$114,485

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.