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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 November 16, 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


3.95% is current rate for 30-year fixed
3.31% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$323 360 $48,167 $116,167

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,186 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 #: 66247 | State Lic #: MC-1825
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.760% | Rate: 3.750% | Fees: $302 | 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 #: 3232 | State Lic #: MC-1532
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.883% | Rate: 3.875% | Fees: $245 | 40 day rate lock

$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.763% | Rate: 3.750% | Fees: $385 | 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
$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.005% | Rate: 4.000% | Fees: $145 | 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 #: 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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30 yr fixed mtg, 0 points | APR: 3.875% | Rate: 3.875% | Fees: $0 | 30 day rate lock

$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
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 ($323)$224$99$67,901
2 ($323)$224$99$67,802
3 ($323)$223$100$67,702
4 ($323)$223$100$67,603
5 ($323)$223$100$67,502
6 ($323)$222$100$67,402
7 ($323)$222$101$67,301
8 ($323)$222$101$67,200
9 ($323)$221$101$67,099
10 ($323)$221$102$66,997
11 ($323)$221$102$66,895
12 ($323)$220$102$66,792
Year 2 - 13 ($323)$220$103$66,689
14 ($323)$220$103$66,586
15 ($323)$219$104$66,483
16 ($323)$219$104$66,379
17 ($323)$218$104$66,275
18 ($323)$218$105$66,170
19 ($323)$218$105$66,065
20 ($323)$217$105$65,960
21 ($323)$217$106$65,854
22 ($323)$217$106$65,748
23 ($323)$216$106$65,642
24 ($323)$216$107$65,536
Year 3 - 25 ($323)$216$107$65,429
26 ($323)$215$107$65,321
27 ($323)$215$108$65,214
28 ($323)$215$108$65,106
29 ($323)$214$108$64,997
30 ($323)$214$109$64,888
31 ($323)$214$109$64,779
32 ($323)$213$109$64,670
33 ($323)$213$110$64,560
34 ($323)$213$110$64,450
35 ($323)$212$111$64,339
36 ($323)$212$111$64,228
Year 4 - 37 ($323)$211$111$64,117
38 ($323)$211$112$64,006
39 ($323)$211$112$63,894
40 ($323)$210$112$63,781
41 ($323)$210$113$63,668
42 ($323)$210$113$63,555
43 ($323)$209$113$63,442
44 ($323)$209$114$63,328
45 ($323)$208$114$63,214
46 ($323)$208$115$63,099
47 ($323)$208$115$62,984
48 ($323)$207$115$62,869
Year 5 - 49 ($323)$207$116$62,753
50 ($323)$207$116$62,637
51 ($323)$206$117$62,520
52 ($323)$206$117$62,404
53 ($323)$205$117$62,286
54 ($323)$205$118$62,169
55 ($323)$205$118$62,051
56 ($323)$204$118$61,932
57 ($323)$204$119$61,813
58 ($323)$203$119$61,694
59 ($323)$203$120$61,575
60 ($323)$203$120$61,455
Year 6 - 61 ($323)$202$120$61,334
62 ($323)$202$121$61,213
63 ($323)$201$121$61,092
64 ($323)$201$122$60,971
65 ($323)$201$122$60,849
66 ($323)$200$122$60,726
67 ($323)$200$123$60,603
68 ($323)$199$123$60,480
69 ($323)$199$124$60,357
70 ($323)$199$124$60,233
71 ($323)$198$124$60,108
72 ($323)$198$125$59,983
Year 7 - 73 ($323)$197$125$59,858
74 ($323)$197$126$59,732
75 ($323)$197$126$59,606
76 ($323)$196$126$59,480
77 ($323)$196$127$59,353
78 ($323)$195$127$59,226
79 ($323)$195$128$59,098
80 ($323)$195$128$58,970
81 ($323)$194$129$58,841
82 ($323)$194$129$58,712
83 ($323)$193$129$58,583
84 ($323)$193$130$58,453
Year 8 - 85 ($323)$192$130$58,323
86 ($323)$192$131$58,192
87 ($323)$192$131$58,061
88 ($323)$191$132$57,929
89 ($323)$191$132$57,797
90 ($323)$190$132$57,665
91 ($323)$190$133$57,532
92 ($323)$189$133$57,399
93 ($323)$189$134$57,265
94 ($323)$188$134$57,131
95 ($323)$188$135$56,996
96 ($323)$188$135$56,861
Year 9 - 97 ($323)$187$136$56,725
98 ($323)$187$136$56,589
99 ($323)$186$136$56,453
100 ($323)$186$137$56,316
101 ($323)$185$137$56,179
102 ($323)$185$138$56,041
103 ($323)$184$138$55,903
104 ($323)$184$139$55,764
105 ($323)$184$139$55,625
106 ($323)$183$140$55,486
107 ($323)$183$140$55,345
108 ($323)$182$141$55,205
Year 10 - 109 ($323)$182$141$55,064
110 ($323)$181$141$54,923
111 ($323)$181$142$54,781
112 ($323)$180$142$54,638
113 ($323)$180$143$54,495
114 ($323)$179$143$54,352
115 ($323)$179$144$54,208
116 ($323)$178$144$54,064
117 ($323)$178$145$53,919
118 ($323)$177$145$53,774
119 ($323)$177$146$53,629
120 ($323)$177$146$53,482
Year 11 - 121 ($323)$176$147$53,336
122 ($323)$176$147$53,189
123 ($323)$175$148$53,041
124 ($323)$175$148$52,893
125 ($323)$174$149$52,744
126 ($323)$174$149$52,595
127 ($323)$173$150$52,446
128 ($323)$173$150$52,296
129 ($323)$172$151$52,145
130 ($323)$172$151$51,994
131 ($323)$171$152$51,843
132 ($323)$171$152$51,690
Year 12 - 133 ($323)$170$153$51,538
134 ($323)$170$153$51,385
135 ($323)$169$154$51,231
136 ($323)$169$154$51,077
137 ($323)$168$155$50,923
138 ($323)$168$155$50,768
139 ($323)$167$156$50,612
140 ($323)$167$156$50,456
141 ($323)$166$157$50,299
142 ($323)$166$157$50,142
143 ($323)$165$158$49,985
144 ($323)$165$158$49,827
Year 13 - 145 ($323)$164$159$49,668
146 ($323)$163$159$49,509
147 ($323)$163$160$49,349
148 ($323)$162$160$49,189
149 ($323)$162$161$49,028
150 ($323)$161$161$48,867
151 ($323)$161$162$48,705
152 ($323)$160$162$48,542
153 ($323)$160$163$48,380
154 ($323)$159$163$48,216
155 ($323)$159$164$48,052
156 ($323)$158$165$47,888
Year 14 - 157 ($323)$158$165$47,723
158 ($323)$157$166$47,557
159 ($323)$157$166$47,391
160 ($323)$156$167$47,224
161 ($323)$155$167$47,057
162 ($323)$155$168$46,889
163 ($323)$154$168$46,721
164 ($323)$154$169$46,552
165 ($323)$153$169$46,382
166 ($323)$153$170$46,212
167 ($323)$152$171$46,042
168 ($323)$152$171$45,871
Year 15 - 169 ($323)$151$172$45,699
170 ($323)$150$172$45,527
171 ($323)$150$173$45,354
172 ($323)$149$173$45,181
173 ($323)$149$174$45,007
174 ($323)$148$175$44,832
175 ($323)$148$175$44,657
176 ($323)$147$176$44,481
177 ($323)$146$176$44,305
178 ($323)$146$177$44,128
179 ($323)$145$177$43,951
180 ($323)$145$178$43,773
Year 16 - 181 ($323)$144$179$43,594
182 ($323)$143$179$43,415
183 ($323)$143$180$43,235
184 ($323)$142$180$43,055
185 ($323)$142$181$42,874
186 ($323)$141$182$42,692
187 ($323)$141$182$42,510
188 ($323)$140$183$42,327
189 ($323)$139$183$42,144
190 ($323)$139$184$41,960
191 ($323)$138$185$41,775
192 ($323)$138$185$41,590
Year 17 - 193 ($323)$137$186$41,404
194 ($323)$136$186$41,218
195 ($323)$136$187$41,031
196 ($323)$135$188$40,843
197 ($323)$134$188$40,655
198 ($323)$134$189$40,466
199 ($323)$133$189$40,277
200 ($323)$133$190$40,087
201 ($323)$132$191$39,896
202 ($323)$131$191$39,705
203 ($323)$131$192$39,513
204 ($323)$130$193$39,320
Year 18 - 205 ($323)$129$193$39,127
206 ($323)$129$194$38,933
207 ($323)$128$195$38,738
208 ($323)$128$195$38,543
209 ($323)$127$196$38,347
210 ($323)$126$196$38,151
211 ($323)$126$197$37,954
212 ($323)$125$198$37,756
213 ($323)$124$198$37,558
214 ($323)$124$199$37,359
215 ($323)$123$200$37,159
216 ($323)$122$200$36,958
Year 19 - 217 ($323)$122$201$36,757
218 ($323)$121$202$36,556
219 ($323)$120$202$36,353
220 ($323)$120$203$36,150
221 ($323)$119$204$35,947
222 ($323)$118$204$35,742
223 ($323)$118$205$35,537
224 ($323)$117$206$35,332
225 ($323)$116$206$35,125
226 ($323)$116$207$34,918
227 ($323)$115$208$34,710
228 ($323)$114$208$34,502
Year 20 - 229 ($323)$114$209$34,293
230 ($323)$113$210$34,083
231 ($323)$112$210$33,873
232 ($323)$111$211$33,661
233 ($323)$111$212$33,449
234 ($323)$110$213$33,237
235 ($323)$109$213$33,024
236 ($323)$109$214$32,810
237 ($323)$108$215$32,595
238 ($323)$107$215$32,380
239 ($323)$107$216$32,163
240 ($323)$106$217$31,947
Year 21 - 241 ($323)$105$218$31,729
242 ($323)$104$218$31,511
243 ($323)$104$219$31,292
244 ($323)$103$220$31,072
245 ($323)$102$220$30,852
246 ($323)$102$221$30,631
247 ($323)$101$222$30,409
248 ($323)$100$223$30,186
249 ($323)$99$223$29,963
250 ($323)$99$224$29,739
251 ($323)$98$225$29,514
252 ($323)$97$226$29,288
Year 22 - 253 ($323)$96$226$29,062
254 ($323)$96$227$28,835
255 ($323)$95$228$28,607
256 ($323)$94$229$28,379
257 ($323)$93$229$28,150
258 ($323)$93$230$27,920
259 ($323)$92$231$27,689
260 ($323)$91$232$27,457
261 ($323)$90$232$27,225
262 ($323)$90$233$26,992
263 ($323)$89$234$26,758
264 ($323)$88$235$26,523
Year 23 - 265 ($323)$87$235$26,288
266 ($323)$87$236$26,052
267 ($323)$86$237$25,815
268 ($323)$85$238$25,577
269 ($323)$84$238$25,339
270 ($323)$83$239$25,100
271 ($323)$83$240$24,859
272 ($323)$82$241$24,619
273 ($323)$81$242$24,377
274 ($323)$80$242$24,135
275 ($323)$79$243$23,891
276 ($323)$79$244$23,647
Year 24 - 277 ($323)$78$245$23,402
278 ($323)$77$246$23,157
279 ($323)$76$246$22,910
280 ($323)$75$247$22,663
281 ($323)$75$248$22,415
282 ($323)$74$249$22,166
283 ($323)$73$250$21,916
284 ($323)$72$251$21,666
285 ($323)$71$251$21,414
286 ($323)$70$252$21,162
287 ($323)$70$253$20,909
288 ($323)$69$254$20,655
Year 25 - 289 ($323)$68$255$20,401
290 ($323)$67$256$20,145
291 ($323)$66$256$19,889
292 ($323)$65$257$19,631
293 ($323)$65$258$19,373
294 ($323)$64$259$19,114
295 ($323)$63$260$18,855
296 ($323)$62$261$18,594
297 ($323)$61$261$18,333
298 ($323)$60$262$18,070
299 ($323)$59$263$17,807
300 ($323)$59$264$17,543
Year 26 - 301 ($323)$58$265$17,278
302 ($323)$57$266$17,012
303 ($323)$56$267$16,746
304 ($323)$55$268$16,478
305 ($323)$54$268$16,210
306 ($323)$53$269$15,940
307 ($323)$52$270$15,670
308 ($323)$52$271$15,399
309 ($323)$51$272$15,127
310 ($323)$50$273$14,854
311 ($323)$49$274$14,580
312 ($323)$48$275$14,306
Year 27 - 313 ($323)$47$276$14,030
314 ($323)$46$277$13,753
315 ($323)$45$277$13,476
316 ($323)$44$278$13,198
317 ($323)$43$279$12,918
318 ($323)$43$280$12,638
319 ($323)$42$281$12,357
320 ($323)$41$282$12,075
321 ($323)$40$283$11,792
322 ($323)$39$284$11,508
323 ($323)$38$285$11,224
324 ($323)$37$286$10,938
Year 28 - 325 ($323)$36$287$10,651
326 ($323)$35$288$10,364
327 ($323)$34$289$10,075
328 ($323)$33$290$9,785
329 ($323)$32$290$9,495
330 ($323)$31$291$9,204
331 ($323)$30$292$8,911
332 ($323)$29$293$8,618
333 ($323)$28$294$8,323
334 ($323)$27$295$8,028
335 ($323)$26$296$7,732
336 ($323)$25$297$7,435
Year 29 - 337 ($323)$24$298$7,136
338 ($323)$23$299$6,837
339 ($323)$23$300$6,537
340 ($323)$22$301$6,236
341 ($323)$21$302$5,934
342 ($323)$20$303$5,631
343 ($323)$19$304$5,326
344 ($323)$18$305$5,021
345 ($323)$17$306$4,715
346 ($323)$16$307$4,408
347 ($323)$15$308$4,100
348 ($323)$13$309$3,791
Year 30 - 349 ($323)$12$310$3,480
350 ($323)$11$311$3,169
351 ($323)$10$312$2,857
352 ($323)$9$313$2,544
353 ($323)$8$314$2,229
354 ($323)$7$315$1,914
355 ($323)$6$316$1,598
356 ($323)$5$317$1,280
357 ($323)$4$318$962
358 ($323)$3$320$642
359 ($323)$2$321$322
360 ($323)$1$322$0
TOTALS$48,167$68,000$116,167

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.