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Mortgage Payment Schedule for a $97,000 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% ($19,400) 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
$363 360 $53,047 $130,647

Mortgage Providers

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


NMLS #: 790396
$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 #: 244476 | State Lic #: MC-5877
$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 #: 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

$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.029% | Rate: 4.000% | Fees: $870 | 45 day rate lock

NMLS #: 35959 | State Lic #: MC-2967
$1,499 /mo
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30 yr fixed mtg, 0 points | APR: 6.000% | Rate: 6.000% | Fees: $0 | 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 #: 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

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

$1,158 /mo
Learn more
Next
30 yr fixed mtg, 0 points | APR: 3.750% | Rate: 3.750% | Fees: $0 | 30 day rate lock

$1,176 /mo
Learn more
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  $97,000
Down Payment $19,400$77,600
Year 1 - 1 ($363)$248$115$77,485
2 ($363)$247$116$77,369
3 ($363)$247$116$77,253
4 ($363)$247$116$77,137
5 ($363)$246$117$77,020
6 ($363)$246$117$76,903
7 ($363)$245$117$76,786
8 ($363)$245$118$76,668
9 ($363)$245$118$76,550
10 ($363)$244$119$76,431
11 ($363)$244$119$76,312
12 ($363)$244$119$76,193
Year 2 - 13 ($363)$243$120$76,073
14 ($363)$243$120$75,953
15 ($363)$242$120$75,832
16 ($363)$242$121$75,711
17 ($363)$242$121$75,590
18 ($363)$241$122$75,469
19 ($363)$241$122$75,346
20 ($363)$240$122$75,224
21 ($363)$240$123$75,101
22 ($363)$240$123$74,978
23 ($363)$239$124$74,854
24 ($363)$239$124$74,730
Year 3 - 25 ($363)$239$124$74,606
26 ($363)$238$125$74,481
27 ($363)$238$125$74,356
28 ($363)$237$126$74,230
29 ($363)$237$126$74,104
30 ($363)$237$126$73,978
31 ($363)$236$127$73,851
32 ($363)$236$127$73,724
33 ($363)$235$128$73,596
34 ($363)$235$128$73,468
35 ($363)$234$128$73,340
36 ($363)$234$129$73,211
Year 4 - 37 ($363)$234$129$73,082
38 ($363)$233$130$72,952
39 ($363)$233$130$72,822
40 ($363)$232$130$72,692
41 ($363)$232$131$72,561
42 ($363)$232$131$72,430
43 ($363)$231$132$72,298
44 ($363)$231$132$72,166
45 ($363)$230$133$72,033
46 ($363)$230$133$71,900
47 ($363)$229$133$71,767
48 ($363)$229$134$71,633
Year 5 - 49 ($363)$229$134$71,498
50 ($363)$228$135$71,364
51 ($363)$228$135$71,229
52 ($363)$227$136$71,093
53 ($363)$227$136$70,957
54 ($363)$226$136$70,821
55 ($363)$226$137$70,684
56 ($363)$226$137$70,546
57 ($363)$225$138$70,409
58 ($363)$225$138$70,270
59 ($363)$224$139$70,132
60 ($363)$224$139$69,993
Year 6 - 61 ($363)$223$140$69,853
62 ($363)$223$140$69,713
63 ($363)$223$140$69,573
64 ($363)$222$141$69,432
65 ($363)$222$141$69,291
66 ($363)$221$142$69,149
67 ($363)$221$142$69,007
68 ($363)$220$143$68,864
69 ($363)$220$143$68,721
70 ($363)$219$144$68,577
71 ($363)$219$144$68,433
72 ($363)$218$144$68,289
Year 7 - 73 ($363)$218$145$68,144
74 ($363)$217$145$67,999
75 ($363)$217$146$67,853
76 ($363)$217$146$67,706
77 ($363)$216$147$67,559
78 ($363)$216$147$67,412
79 ($363)$215$148$67,264
80 ($363)$215$148$67,116
81 ($363)$214$149$66,968
82 ($363)$214$149$66,818
83 ($363)$213$150$66,669
84 ($363)$213$150$66,519
Year 8 - 85 ($363)$212$151$66,368
86 ($363)$212$151$66,217
87 ($363)$211$152$66,065
88 ($363)$211$152$65,913
89 ($363)$210$153$65,761
90 ($363)$210$153$65,608
91 ($363)$209$154$65,454
92 ($363)$209$154$65,300
93 ($363)$208$154$65,146
94 ($363)$208$155$64,991
95 ($363)$207$155$64,835
96 ($363)$207$156$64,679
Year 9 - 97 ($363)$206$156$64,523
98 ($363)$206$157$64,366
99 ($363)$205$157$64,208
100 ($363)$205$158$64,050
101 ($363)$204$158$63,892
102 ($363)$204$159$63,733
103 ($363)$203$159$63,573
104 ($363)$203$160$63,413
105 ($363)$202$161$63,253
106 ($363)$202$161$63,092
107 ($363)$201$162$62,930
108 ($363)$201$162$62,768
Year 10 - 109 ($363)$200$163$62,606
110 ($363)$200$163$62,443
111 ($363)$199$164$62,279
112 ($363)$199$164$62,115
113 ($363)$198$165$61,950
114 ($363)$198$165$61,785
115 ($363)$197$166$61,619
116 ($363)$197$166$61,453
117 ($363)$196$167$61,286
118 ($363)$196$167$61,119
119 ($363)$195$168$60,951
120 ($363)$195$168$60,783
Year 11 - 121 ($363)$194$169$60,614
122 ($363)$193$169$60,444
123 ($363)$193$170$60,274
124 ($363)$192$171$60,104
125 ($363)$192$171$59,933
126 ($363)$191$172$59,761
127 ($363)$191$172$59,589
128 ($363)$190$173$59,416
129 ($363)$190$173$59,243
130 ($363)$189$174$59,069
131 ($363)$189$174$58,895
132 ($363)$188$175$58,720
Year 12 - 133 ($363)$187$175$58,544
134 ($363)$187$176$58,368
135 ($363)$186$177$58,192
136 ($363)$186$177$58,014
137 ($363)$185$178$57,837
138 ($363)$185$178$57,658
139 ($363)$184$179$57,480
140 ($363)$183$179$57,300
141 ($363)$183$180$57,120
142 ($363)$182$181$56,939
143 ($363)$182$181$56,758
144 ($363)$181$182$56,577
Year 13 - 145 ($363)$181$182$56,394
146 ($363)$180$183$56,211
147 ($363)$179$184$56,028
148 ($363)$179$184$55,844
149 ($363)$178$185$55,659
150 ($363)$178$185$55,474
151 ($363)$177$186$55,288
152 ($363)$176$186$55,101
153 ($363)$176$187$54,914
154 ($363)$175$188$54,727
155 ($363)$175$188$54,539
156 ($363)$174$189$54,350
Year 14 - 157 ($363)$173$189$54,160
158 ($363)$173$190$53,970
159 ($363)$172$191$53,780
160 ($363)$172$191$53,588
161 ($363)$171$192$53,396
162 ($363)$170$192$53,204
163 ($363)$170$193$53,011
164 ($363)$169$194$52,817
165 ($363)$169$194$52,623
166 ($363)$168$195$52,428
167 ($363)$167$196$52,232
168 ($363)$167$196$52,036
Year 15 - 169 ($363)$166$197$51,839
170 ($363)$165$197$51,642
171 ($363)$165$198$51,444
172 ($363)$164$199$51,245
173 ($363)$164$199$51,046
174 ($363)$163$200$50,846
175 ($363)$162$201$50,645
176 ($363)$162$201$50,444
177 ($363)$161$202$50,242
178 ($363)$160$203$50,039
179 ($363)$160$203$49,836
180 ($363)$159$204$49,632
Year 16 - 181 ($363)$158$205$49,428
182 ($363)$158$205$49,223
183 ($363)$157$206$49,017
184 ($363)$156$206$48,810
185 ($363)$156$207$48,603
186 ($363)$155$208$48,395
187 ($363)$154$208$48,187
188 ($363)$154$209$47,978
189 ($363)$153$210$47,768
190 ($363)$152$210$47,558
191 ($363)$152$211$47,346
192 ($363)$151$212$47,135
Year 17 - 193 ($363)$150$212$46,922
194 ($363)$150$213$46,709
195 ($363)$149$214$46,495
196 ($363)$148$215$46,281
197 ($363)$148$215$46,065
198 ($363)$147$216$45,850
199 ($363)$146$217$45,633
200 ($363)$146$217$45,416
201 ($363)$145$218$45,198
202 ($363)$144$219$44,979
203 ($363)$144$219$44,760
204 ($363)$143$220$44,540
Year 18 - 205 ($363)$142$221$44,319
206 ($363)$141$221$44,098
207 ($363)$141$222$43,875
208 ($363)$140$223$43,653
209 ($363)$139$224$43,429
210 ($363)$139$224$43,205
211 ($363)$138$225$42,980
212 ($363)$137$226$42,754
213 ($363)$136$226$42,527
214 ($363)$136$227$42,300
215 ($363)$135$228$42,072
216 ($363)$134$229$41,844
Year 19 - 217 ($363)$134$229$41,614
218 ($363)$133$230$41,384
219 ($363)$132$231$41,153
220 ($363)$131$232$40,922
221 ($363)$131$232$40,690
222 ($363)$130$233$40,457
223 ($363)$129$234$40,223
224 ($363)$128$235$39,988
225 ($363)$128$235$39,753
226 ($363)$127$236$39,517
227 ($363)$126$237$39,280
228 ($363)$125$238$39,043
Year 20 - 229 ($363)$125$238$38,804
230 ($363)$124$239$38,565
231 ($363)$123$240$38,325
232 ($363)$122$241$38,085
233 ($363)$122$241$37,843
234 ($363)$121$242$37,601
235 ($363)$120$243$37,358
236 ($363)$119$244$37,115
237 ($363)$118$244$36,870
238 ($363)$118$245$36,625
239 ($363)$117$246$36,379
240 ($363)$116$247$36,132
Year 21 - 241 ($363)$115$248$35,885
242 ($363)$115$248$35,636
243 ($363)$114$249$35,387
244 ($363)$113$250$35,137
245 ($363)$112$251$34,886
246 ($363)$111$252$34,635
247 ($363)$111$252$34,382
248 ($363)$110$253$34,129
249 ($363)$109$254$33,875
250 ($363)$108$255$33,621
251 ($363)$107$256$33,365
252 ($363)$106$256$33,109
Year 22 - 253 ($363)$106$257$32,851
254 ($363)$105$258$32,593
255 ($363)$104$259$32,334
256 ($363)$103$260$32,075
257 ($363)$102$261$31,814
258 ($363)$102$261$31,553
259 ($363)$101$262$31,291
260 ($363)$100$263$31,027
261 ($363)$99$264$30,764
262 ($363)$98$265$30,499
263 ($363)$97$266$30,233
264 ($363)$96$266$29,967
Year 23 - 265 ($363)$96$267$29,700
266 ($363)$95$268$29,431
267 ($363)$94$269$29,163
268 ($363)$93$270$28,893
269 ($363)$92$271$28,622
270 ($363)$91$272$28,350
271 ($363)$90$272$28,078
272 ($363)$90$273$27,805
273 ($363)$89$274$27,531
274 ($363)$88$275$27,256
275 ($363)$87$276$26,980
276 ($363)$86$277$26,703
Year 24 - 277 ($363)$85$278$26,425
278 ($363)$84$279$26,147
279 ($363)$83$279$25,867
280 ($363)$83$280$25,587
281 ($363)$82$281$25,305
282 ($363)$81$282$25,023
283 ($363)$80$283$24,740
284 ($363)$79$284$24,456
285 ($363)$78$285$24,172
286 ($363)$77$286$23,886
287 ($363)$76$287$23,599
288 ($363)$75$288$23,311
Year 25 - 289 ($363)$74$289$23,023
290 ($363)$73$289$22,734
291 ($363)$73$290$22,443
292 ($363)$72$291$22,152
293 ($363)$71$292$21,860
294 ($363)$70$293$21,567
295 ($363)$69$294$21,272
296 ($363)$68$295$20,977
297 ($363)$67$296$20,682
298 ($363)$66$297$20,385
299 ($363)$65$298$20,087
300 ($363)$64$299$19,788
Year 26 - 301 ($363)$63$300$19,488
302 ($363)$62$301$19,188
303 ($363)$61$302$18,886
304 ($363)$60$303$18,583
305 ($363)$59$304$18,280
306 ($363)$58$305$17,975
307 ($363)$57$306$17,669
308 ($363)$56$307$17,363
309 ($363)$55$307$17,055
310 ($363)$54$308$16,747
311 ($363)$53$309$16,438
312 ($363)$52$310$16,127
Year 27 - 313 ($363)$51$311$15,816
314 ($363)$50$312$15,503
315 ($363)$49$313$15,190
316 ($363)$48$314$14,875
317 ($363)$47$315$14,560
318 ($363)$46$316$14,244
319 ($363)$45$317$13,926
320 ($363)$44$318$13,608
321 ($363)$43$319$13,288
322 ($363)$42$320$12,968
323 ($363)$41$322$12,646
324 ($363)$40$323$12,324
Year 28 - 325 ($363)$39$324$12,000
326 ($363)$38$325$11,675
327 ($363)$37$326$11,350
328 ($363)$36$327$11,023
329 ($363)$35$328$10,695
330 ($363)$34$329$10,367
331 ($363)$33$330$10,037
332 ($363)$32$331$9,706
333 ($363)$31$332$9,374
334 ($363)$30$333$9,041
335 ($363)$29$334$8,707
336 ($363)$28$335$8,372
Year 29 - 337 ($363)$27$336$8,036
338 ($363)$26$337$7,698
339 ($363)$25$338$7,360
340 ($363)$23$339$7,021
341 ($363)$22$341$6,680
342 ($363)$21$342$6,338
343 ($363)$20$343$5,996
344 ($363)$19$344$5,652
345 ($363)$18$345$5,307
346 ($363)$17$346$4,961
347 ($363)$16$347$4,614
348 ($363)$15$348$4,266
Year 30 - 349 ($363)$14$349$3,917
350 ($363)$13$350$3,566
351 ($363)$11$352$3,215
352 ($363)$10$353$2,862
353 ($363)$9$354$2,508
354 ($363)$8$355$2,153
355 ($363)$7$356$1,797
356 ($363)$6$357$1,440
357 ($363)$5$358$1,082
358 ($363)$3$359$722
359 ($363)$2$361$362
360 ($363)$1$362$0
TOTALS$53,047$77,600$130,647

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.