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Mortgage Payment Schedule for a $90,000 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 April 20, 2017. Check Lending Tree to see current rates from multiple lenders.

Mortgage Parameters


Less than 20% ($18,000) may require pre-mortgage insurance


3.97% is current rate for 30-year fixed
3.23% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$342 360 $51,298 $123,298

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $90,000
Down Payment $18,000$72,000
Year 1 - 1 ($342)$238$104$71,896
2 ($342)$238$105$71,791
3 ($342)$238$105$71,686
4 ($342)$237$105$71,581
5 ($342)$237$106$71,475
6 ($342)$236$106$71,369
7 ($342)$236$106$71,263
8 ($342)$236$107$71,156
9 ($342)$235$107$71,049
10 ($342)$235$107$70,941
11 ($342)$235$108$70,834
12 ($342)$234$108$70,725
Year 2 - 13 ($342)$234$109$70,617
14 ($342)$234$109$70,508
15 ($342)$233$109$70,399
16 ($342)$233$110$70,289
17 ($342)$233$110$70,179
18 ($342)$232$110$70,069
19 ($342)$232$111$69,958
20 ($342)$231$111$69,847
21 ($342)$231$111$69,736
22 ($342)$231$112$69,624
23 ($342)$230$112$69,512
24 ($342)$230$113$69,399
Year 3 - 25 ($342)$230$113$69,286
26 ($342)$229$113$69,173
27 ($342)$229$114$69,060
28 ($342)$228$114$68,945
29 ($342)$228$114$68,831
30 ($342)$228$115$68,716
31 ($342)$227$115$68,601
32 ($342)$227$116$68,486
33 ($342)$227$116$68,370
34 ($342)$226$116$68,253
35 ($342)$226$117$68,137
36 ($342)$225$117$68,020
Year 4 - 37 ($342)$225$117$67,902
38 ($342)$225$118$67,784
39 ($342)$224$118$67,666
40 ($342)$224$119$67,547
41 ($342)$223$119$67,428
42 ($342)$223$119$67,309
43 ($342)$223$120$67,189
44 ($342)$222$120$67,069
45 ($342)$222$121$66,948
46 ($342)$221$121$66,827
47 ($342)$221$121$66,706
48 ($342)$221$122$66,584
Year 5 - 49 ($342)$220$122$66,462
50 ($342)$220$123$66,339
51 ($342)$219$123$66,216
52 ($342)$219$123$66,093
53 ($342)$219$124$65,969
54 ($342)$218$124$65,845
55 ($342)$218$125$65,720
56 ($342)$217$125$65,595
57 ($342)$217$125$65,470
58 ($342)$217$126$65,344
59 ($342)$216$126$65,217
60 ($342)$216$127$65,091
Year 6 - 61 ($342)$215$127$64,963
62 ($342)$215$128$64,836
63 ($342)$214$128$64,708
64 ($342)$214$128$64,579
65 ($342)$214$129$64,451
66 ($342)$213$129$64,321
67 ($342)$213$130$64,192
68 ($342)$212$130$64,062
69 ($342)$212$131$63,931
70 ($342)$212$131$63,800
71 ($342)$211$131$63,669
72 ($342)$211$132$63,537
Year 7 - 73 ($342)$210$132$63,404
74 ($342)$210$133$63,272
75 ($342)$209$133$63,138
76 ($342)$209$134$63,005
77 ($342)$208$134$62,871
78 ($342)$208$134$62,736
79 ($342)$208$135$62,601
80 ($342)$207$135$62,466
81 ($342)$207$136$62,330
82 ($342)$206$136$62,194
83 ($342)$206$137$62,057
84 ($342)$205$137$61,920
Year 8 - 85 ($342)$205$138$61,782
86 ($342)$204$138$61,644
87 ($342)$204$139$61,506
88 ($342)$203$139$61,367
89 ($342)$203$139$61,227
90 ($342)$203$140$61,087
91 ($342)$202$140$60,947
92 ($342)$202$141$60,806
93 ($342)$201$141$60,665
94 ($342)$201$142$60,523
95 ($342)$200$142$60,381
96 ($342)$200$143$60,238
Year 9 - 97 ($342)$199$143$60,095
98 ($342)$199$144$59,951
99 ($342)$198$144$59,807
100 ($342)$198$145$59,662
101 ($342)$197$145$59,517
102 ($342)$197$146$59,371
103 ($342)$196$146$59,225
104 ($342)$196$147$59,079
105 ($342)$195$147$58,932
106 ($342)$195$148$58,784
107 ($342)$194$148$58,636
108 ($342)$194$149$58,488
Year 10 - 109 ($342)$193$149$58,339
110 ($342)$193$149$58,189
111 ($342)$193$150$58,039
112 ($342)$192$150$57,889
113 ($342)$192$151$57,738
114 ($342)$191$151$57,586
115 ($342)$191$152$57,434
116 ($342)$190$152$57,282
117 ($342)$190$153$57,129
118 ($342)$189$153$56,975
119 ($342)$188$154$56,821
120 ($342)$188$155$56,667
Year 11 - 121 ($342)$187$155$56,512
122 ($342)$187$156$56,356
123 ($342)$186$156$56,200
124 ($342)$186$157$56,044
125 ($342)$185$157$55,887
126 ($342)$185$158$55,729
127 ($342)$184$158$55,571
128 ($342)$184$159$55,412
129 ($342)$183$159$55,253
130 ($342)$183$160$55,093
131 ($342)$182$160$54,933
132 ($342)$182$161$54,772
Year 12 - 133 ($342)$181$161$54,611
134 ($342)$181$162$54,449
135 ($342)$180$162$54,287
136 ($342)$180$163$54,124
137 ($342)$179$163$53,961
138 ($342)$179$164$53,797
139 ($342)$178$165$53,632
140 ($342)$177$165$53,467
141 ($342)$177$166$53,301
142 ($342)$176$166$53,135
143 ($342)$176$167$52,969
144 ($342)$175$167$52,801
Year 13 - 145 ($342)$175$168$52,633
146 ($342)$174$168$52,465
147 ($342)$174$169$52,296
148 ($342)$173$169$52,127
149 ($342)$172$170$51,957
150 ($342)$172$171$51,786
151 ($342)$171$171$51,615
152 ($342)$171$172$51,443
153 ($342)$170$172$51,271
154 ($342)$170$173$51,098
155 ($342)$169$173$50,925
156 ($342)$168$174$50,751
Year 14 - 157 ($342)$168$175$50,576
158 ($342)$167$175$50,401
159 ($342)$167$176$50,225
160 ($342)$166$176$50,049
161 ($342)$166$177$49,872
162 ($342)$165$178$49,694
163 ($342)$164$178$49,516
164 ($342)$164$179$49,337
165 ($342)$163$179$49,158
166 ($342)$163$180$48,978
167 ($342)$162$180$48,798
168 ($342)$161$181$48,617
Year 15 - 169 ($342)$161$182$48,435
170 ($342)$160$182$48,253
171 ($342)$160$183$48,070
172 ($342)$159$183$47,887
173 ($342)$158$184$47,703
174 ($342)$158$185$47,518
175 ($342)$157$185$47,333
176 ($342)$157$186$47,147
177 ($342)$156$187$46,960
178 ($342)$155$187$46,773
179 ($342)$155$188$46,585
180 ($342)$154$188$46,397
Year 16 - 181 ($342)$153$189$46,208
182 ($342)$153$190$46,018
183 ($342)$152$190$45,828
184 ($342)$152$191$45,637
185 ($342)$151$192$45,446
186 ($342)$150$192$45,253
187 ($342)$150$193$45,061
188 ($342)$149$193$44,867
189 ($342)$148$194$44,673
190 ($342)$148$195$44,478
191 ($342)$147$195$44,283
192 ($342)$147$196$44,087
Year 17 - 193 ($342)$146$197$43,891
194 ($342)$145$197$43,693
195 ($342)$145$198$43,495
196 ($342)$144$199$43,297
197 ($342)$143$199$43,097
198 ($342)$143$200$42,898
199 ($342)$142$201$42,697
200 ($342)$141$201$42,496
201 ($342)$141$202$42,294
202 ($342)$140$203$42,091
203 ($342)$139$203$41,888
204 ($342)$139$204$41,684
Year 18 - 205 ($342)$138$205$41,479
206 ($342)$137$205$41,274
207 ($342)$137$206$41,068
208 ($342)$136$207$40,862
209 ($342)$135$207$40,654
210 ($342)$134$208$40,446
211 ($342)$134$209$40,238
212 ($342)$133$209$40,028
213 ($342)$132$210$39,818
214 ($342)$132$211$39,607
215 ($342)$131$211$39,396
216 ($342)$130$212$39,184
Year 19 - 217 ($342)$130$213$38,971
218 ($342)$129$214$38,757
219 ($342)$128$214$38,543
220 ($342)$128$215$38,328
221 ($342)$127$216$38,112
222 ($342)$126$216$37,896
223 ($342)$125$217$37,679
224 ($342)$125$218$37,461
225 ($342)$124$219$37,243
226 ($342)$123$219$37,023
227 ($342)$122$220$36,803
228 ($342)$122$221$36,582
Year 20 - 229 ($342)$121$221$36,361
230 ($342)$120$222$36,139
231 ($342)$120$223$35,916
232 ($342)$119$224$35,692
233 ($342)$118$224$35,468
234 ($342)$117$225$35,243
235 ($342)$117$226$35,017
236 ($342)$116$227$34,790
237 ($342)$115$227$34,563
238 ($342)$114$228$34,335
239 ($342)$114$229$34,106
240 ($342)$113$230$33,876
Year 21 - 241 ($342)$112$230$33,646
242 ($342)$111$231$33,414
243 ($342)$111$232$33,182
244 ($342)$110$233$32,950
245 ($342)$109$233$32,716
246 ($342)$108$234$32,482
247 ($342)$107$235$32,247
248 ($342)$107$236$32,011
249 ($342)$106$237$31,775
250 ($342)$105$237$31,537
251 ($342)$104$238$31,299
252 ($342)$104$239$31,060
Year 22 - 253 ($342)$103$240$30,820
254 ($342)$102$241$30,580
255 ($342)$101$241$30,338
256 ($342)$100$242$30,096
257 ($342)$100$243$29,853
258 ($342)$99$244$29,610
259 ($342)$98$245$29,365
260 ($342)$97$245$29,120
261 ($342)$96$246$28,874
262 ($342)$96$247$28,627
263 ($342)$95$248$28,379
264 ($342)$94$249$28,130
Year 23 - 265 ($342)$93$249$27,881
266 ($342)$92$250$27,631
267 ($342)$91$251$27,379
268 ($342)$91$252$27,128
269 ($342)$90$253$26,875
270 ($342)$89$254$26,621
271 ($342)$88$254$26,367
272 ($342)$87$255$26,112
273 ($342)$86$256$25,855
274 ($342)$86$257$25,598
275 ($342)$85$258$25,341
276 ($342)$84$259$25,082
Year 24 - 277 ($342)$83$260$24,822
278 ($342)$82$260$24,562
279 ($342)$81$261$24,301
280 ($342)$80$262$24,039
281 ($342)$80$263$23,776
282 ($342)$79$264$23,512
283 ($342)$78$265$23,247
284 ($342)$77$266$22,982
285 ($342)$76$266$22,715
286 ($342)$75$267$22,448
287 ($342)$74$268$22,180
288 ($342)$73$269$21,911
Year 25 - 289 ($342)$72$270$21,641
290 ($342)$72$271$21,370
291 ($342)$71$272$21,098
292 ($342)$70$273$20,825
293 ($342)$69$274$20,552
294 ($342)$68$275$20,277
295 ($342)$67$275$20,002
296 ($342)$66$276$19,725
297 ($342)$65$277$19,448
298 ($342)$64$278$19,170
299 ($342)$63$279$18,891
300 ($342)$62$280$18,611
Year 26 - 301 ($342)$62$281$18,330
302 ($342)$61$282$18,048
303 ($342)$60$283$17,765
304 ($342)$59$284$17,482
305 ($342)$58$285$17,197
306 ($342)$57$286$16,911
307 ($342)$56$287$16,625
308 ($342)$55$287$16,337
309 ($342)$54$288$16,049
310 ($342)$53$289$15,759
311 ($342)$52$290$15,469
312 ($342)$51$291$15,178
Year 27 - 313 ($342)$50$292$14,885
314 ($342)$49$293$14,592
315 ($342)$48$294$14,298
316 ($342)$47$295$14,003
317 ($342)$46$296$13,707
318 ($342)$45$297$13,409
319 ($342)$44$298$13,111
320 ($342)$43$299$12,812
321 ($342)$42$300$12,512
322 ($342)$41$301$12,211
323 ($342)$40$302$11,909
324 ($342)$39$303$11,606
Year 28 - 325 ($342)$38$304$11,302
326 ($342)$37$305$10,997
327 ($342)$36$306$10,690
328 ($342)$35$307$10,383
329 ($342)$34$308$10,075
330 ($342)$33$309$9,766
331 ($342)$32$310$9,456
332 ($342)$31$311$9,145
333 ($342)$30$312$8,832
334 ($342)$29$313$8,519
335 ($342)$28$314$8,205
336 ($342)$27$315$7,889
Year 29 - 337 ($342)$26$316$7,573
338 ($342)$25$317$7,256
339 ($342)$24$318$6,937
340 ($342)$23$320$6,618
341 ($342)$22$321$6,297
342 ($342)$21$322$5,975
343 ($342)$20$323$5,653
344 ($342)$19$324$5,329
345 ($342)$18$325$5,004
346 ($342)$17$326$4,678
347 ($342)$15$327$4,351
348 ($342)$14$328$4,023
Year 30 - 349 ($342)$13$329$3,694
350 ($342)$12$330$3,363
351 ($342)$11$331$3,032
352 ($342)$10$332$2,700
353 ($342)$9$334$2,366
354 ($342)$8$335$2,031
355 ($342)$7$336$1,696
356 ($342)$6$337$1,359
357 ($342)$4$338$1,021
358 ($342)$3$339$682
359 ($342)$2$340$341
360 ($342)$1$341$0
TOTALS$51,298$72,000$123,298

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.