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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 January 11, 2018. 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


3.99% is current rate for 30-year fixed
3.44% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$370 360 $55,610 $133,210

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,192 or less (zip code: 20149)


NMLS #: 134407 | State Lic #: MC-5378
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.875% | Rate: 3.875% | Fees: $0 | 45 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 #: 447490
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.888% | Rate: 3.875% | Fees: $400 | 30 day rate lock

NMLS #: 101475 | State Lic #: MC-6729
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.891% | Rate: 3.875% | Fees: $477 | 30 day rate lock

NMLS #: 66247 | State Lic #: MC-1825
$1,174 /mo
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30 yr fixed mtg, 0 points | APR: 3.892% | Rate: 3.865% | Fees: $820 | 30 day rate lock

NMLS #: 1256692 | 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 #: 244476 | State Lic #: MC-5877
$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 #: 7706
$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 #: 3232 | State Lic #: MC-1532
$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.008% | Rate: 4.000% | Fees: $245 | 40 day rate lock

NMLS #: 181005
$1,212 /mo
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30 yr fixed mtg, 0 points | APR: 4.154% | Rate: 4.125% | Fees: $865 | 45 day rate lock

NMLS #: 35959 | State Lic #: MC-2967
$1,230 /mo
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30 yr fixed mtg, 0 points | APR: 4.250% | Rate: 4.250% | Fees: $0 | 30 day rate lock

NMLS #: 2925 | State Lic #: MC-1875
$1,230 /mo
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30 yr fixed mtg, 0 points | APR: 4.260% | Rate: 4.250% | Fees: $299 | 45 day rate lock

NMLS #: 412915
$1,230 /mo
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30 yr fixed mtg, 0 points | APR: 4.308% | Rate: 4.250% | Fees: $1,710 | 60 day rate lock

$1,265 /mo
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30 yr fixed mtg, 0 points | APR: 4.490% | Rate: 4.490% | Fees: $0 | 30 day rate lock

NMLS #: 1071 | State Lic #: MC-1772
$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 #: 40508 | State Lic #: MC-2840
$1,176 /mo
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30 yr fixed mtg, 0 points | APR: 3.904% | Rate: 3.875% | Fees: $885 | 30 day rate lock

$1,192 /mo
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30 yr fixed mtg, 0 points | APR: 3.990% | Rate: 3.990% | Fees: $0 | 30 day rate lock

$1,194 /mo
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30 yr fixed mtg, 0 points | APR: 4.043% | Rate: 4.000% | Fees: $1,295 | 30 day rate lock

NMLS #: 277676 | State Lic #: MC-4238
$1,304 /mo
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30 yr fixed mtg, 0 points | APR: 4.789% | Rate: 4.750% | Fees: $1,120 | 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 ($370)$258$112$77,488
2 ($370)$258$112$77,376
3 ($370)$257$113$77,263
4 ($370)$257$113$77,150
5 ($370)$257$114$77,036
6 ($370)$256$114$76,922
7 ($370)$256$114$76,808
8 ($370)$255$115$76,693
9 ($370)$255$115$76,578
10 ($370)$255$115$76,463
11 ($370)$254$116$76,347
12 ($370)$254$116$76,231
Year 2 - 13 ($370)$253$117$76,115
14 ($370)$253$117$75,998
15 ($370)$253$117$75,880
16 ($370)$252$118$75,762
17 ($370)$252$118$75,644
18 ($370)$252$119$75,526
19 ($370)$251$119$75,407
20 ($370)$251$119$75,288
21 ($370)$250$120$75,168
22 ($370)$250$120$75,048
23 ($370)$250$120$74,927
24 ($370)$249$121$74,806
Year 3 - 25 ($370)$249$121$74,685
26 ($370)$248$122$74,563
27 ($370)$248$122$74,441
28 ($370)$248$123$74,319
29 ($370)$247$123$74,196
30 ($370)$247$123$74,073
31 ($370)$246$124$73,949
32 ($370)$246$124$73,825
33 ($370)$245$125$73,700
34 ($370)$245$125$73,575
35 ($370)$245$125$73,450
36 ($370)$244$126$73,324
Year 4 - 37 ($370)$244$126$73,198
38 ($370)$243$127$73,071
39 ($370)$243$127$72,944
40 ($370)$243$127$72,817
41 ($370)$242$128$72,689
42 ($370)$242$128$72,560
43 ($370)$241$129$72,432
44 ($370)$241$129$72,302
45 ($370)$240$130$72,173
46 ($370)$240$130$72,043
47 ($370)$240$130$71,912
48 ($370)$239$131$71,781
Year 5 - 49 ($370)$239$131$71,650
50 ($370)$238$132$71,518
51 ($370)$238$132$71,386
52 ($370)$237$133$71,253
53 ($370)$237$133$71,120
54 ($370)$236$134$70,987
55 ($370)$236$134$70,853
56 ($370)$236$134$70,718
57 ($370)$235$135$70,583
58 ($370)$235$135$70,448
59 ($370)$234$136$70,312
60 ($370)$234$136$70,176
Year 6 - 61 ($370)$233$137$70,039
62 ($370)$233$137$69,902
63 ($370)$232$138$69,764
64 ($370)$232$138$69,626
65 ($370)$232$139$69,488
66 ($370)$231$139$69,349
67 ($370)$231$139$69,209
68 ($370)$230$140$69,070
69 ($370)$230$140$68,929
70 ($370)$229$141$68,788
71 ($370)$229$141$68,647
72 ($370)$228$142$68,505
Year 7 - 73 ($370)$228$142$68,363
74 ($370)$227$143$68,220
75 ($370)$227$143$68,077
76 ($370)$226$144$67,933
77 ($370)$226$144$67,789
78 ($370)$225$145$67,645
79 ($370)$225$145$67,500
80 ($370)$224$146$67,354
81 ($370)$224$146$67,208
82 ($370)$223$147$67,061
83 ($370)$223$147$66,914
84 ($370)$222$148$66,767
Year 8 - 85 ($370)$222$148$66,619
86 ($370)$222$149$66,470
87 ($370)$221$149$66,321
88 ($370)$221$150$66,172
89 ($370)$220$150$66,022
90 ($370)$220$151$65,871
91 ($370)$219$151$65,720
92 ($370)$219$152$65,569
93 ($370)$218$152$65,417
94 ($370)$218$153$65,264
95 ($370)$217$153$65,111
96 ($370)$216$154$64,958
Year 9 - 97 ($370)$216$154$64,804
98 ($370)$215$155$64,649
99 ($370)$215$155$64,494
100 ($370)$214$156$64,338
101 ($370)$214$156$64,182
102 ($370)$213$157$64,026
103 ($370)$213$157$63,868
104 ($370)$212$158$63,711
105 ($370)$212$158$63,553
106 ($370)$211$159$63,394
107 ($370)$211$159$63,235
108 ($370)$210$160$63,075
Year 10 - 109 ($370)$210$160$62,915
110 ($370)$209$161$62,754
111 ($370)$209$161$62,592
112 ($370)$208$162$62,430
113 ($370)$208$162$62,268
114 ($370)$207$163$62,105
115 ($370)$206$164$61,942
116 ($370)$206$164$61,777
117 ($370)$205$165$61,613
118 ($370)$205$165$61,448
119 ($370)$204$166$61,282
120 ($370)$204$166$61,116
Year 11 - 121 ($370)$203$167$60,949
122 ($370)$203$167$60,781
123 ($370)$202$168$60,614
124 ($370)$202$168$60,445
125 ($370)$201$169$60,276
126 ($370)$200$170$60,106
127 ($370)$200$170$59,936
128 ($370)$199$171$59,766
129 ($370)$199$171$59,594
130 ($370)$198$172$59,422
131 ($370)$198$172$59,250
132 ($370)$197$173$59,077
Year 12 - 133 ($370)$196$174$58,903
134 ($370)$196$174$58,729
135 ($370)$195$175$58,554
136 ($370)$195$175$58,379
137 ($370)$194$176$58,203
138 ($370)$194$177$58,027
139 ($370)$193$177$57,849
140 ($370)$192$178$57,672
141 ($370)$192$178$57,494
142 ($370)$191$179$57,315
143 ($370)$191$179$57,135
144 ($370)$190$180$56,955
Year 13 - 145 ($370)$189$181$56,775
146 ($370)$189$181$56,593
147 ($370)$188$182$56,411
148 ($370)$188$182$56,229
149 ($370)$187$183$56,046
150 ($370)$186$184$55,862
151 ($370)$186$184$55,678
152 ($370)$185$185$55,493
153 ($370)$185$186$55,308
154 ($370)$184$186$55,121
155 ($370)$183$187$54,935
156 ($370)$183$187$54,747
Year 14 - 157 ($370)$182$188$54,559
158 ($370)$181$189$54,371
159 ($370)$181$189$54,181
160 ($370)$180$190$53,992
161 ($370)$180$191$53,801
162 ($370)$179$191$53,610
163 ($370)$178$192$53,418
164 ($370)$178$192$53,226
165 ($370)$177$193$53,033
166 ($370)$176$194$52,839
167 ($370)$176$194$52,645
168 ($370)$175$195$52,450
Year 15 - 169 ($370)$174$196$52,254
170 ($370)$174$196$52,058
171 ($370)$173$197$51,861
172 ($370)$172$198$51,663
173 ($370)$172$198$51,465
174 ($370)$171$199$51,266
175 ($370)$170$200$51,066
176 ($370)$170$200$50,866
177 ($370)$169$201$50,665
178 ($370)$168$202$50,464
179 ($370)$168$202$50,262
180 ($370)$167$203$50,059
Year 16 - 181 ($370)$166$204$49,855
182 ($370)$166$204$49,651
183 ($370)$165$205$49,446
184 ($370)$164$206$49,240
185 ($370)$164$206$49,034
186 ($370)$163$207$48,827
187 ($370)$162$208$48,619
188 ($370)$162$208$48,411
189 ($370)$161$209$48,202
190 ($370)$160$210$47,992
191 ($370)$160$210$47,782
192 ($370)$159$211$47,570
Year 17 - 193 ($370)$158$212$47,359
194 ($370)$157$213$47,146
195 ($370)$157$213$46,933
196 ($370)$156$214$46,719
197 ($370)$155$215$46,504
198 ($370)$155$215$46,289
199 ($370)$154$216$46,073
200 ($370)$153$217$45,856
201 ($370)$152$218$45,638
202 ($370)$152$218$45,420
203 ($370)$151$219$45,201
204 ($370)$150$220$44,981
Year 18 - 205 ($370)$150$220$44,761
206 ($370)$149$221$44,540
207 ($370)$148$222$44,318
208 ($370)$147$223$44,095
209 ($370)$147$223$43,872
210 ($370)$146$224$43,647
211 ($370)$145$225$43,422
212 ($370)$144$226$43,197
213 ($370)$144$226$42,970
214 ($370)$143$227$42,743
215 ($370)$142$228$42,515
216 ($370)$141$229$42,287
Year 19 - 217 ($370)$141$229$42,057
218 ($370)$140$230$41,827
219 ($370)$139$231$41,596
220 ($370)$138$232$41,364
221 ($370)$138$232$41,132
222 ($370)$137$233$40,899
223 ($370)$136$234$40,665
224 ($370)$135$235$40,430
225 ($370)$134$236$40,194
226 ($370)$134$236$39,958
227 ($370)$133$237$39,721
228 ($370)$132$238$39,483
Year 20 - 229 ($370)$131$239$39,244
230 ($370)$130$240$39,004
231 ($370)$130$240$38,764
232 ($370)$129$241$38,523
233 ($370)$128$242$38,281
234 ($370)$127$243$38,038
235 ($370)$126$244$37,795
236 ($370)$126$244$37,550
237 ($370)$125$245$37,305
238 ($370)$124$246$37,059
239 ($370)$123$247$36,812
240 ($370)$122$248$36,565
Year 21 - 241 ($370)$122$248$36,316
242 ($370)$121$249$36,067
243 ($370)$120$250$35,817
244 ($370)$119$251$35,566
245 ($370)$118$252$35,314
246 ($370)$117$253$35,062
247 ($370)$117$253$34,808
248 ($370)$116$254$34,554
249 ($370)$115$255$34,299
250 ($370)$114$256$34,043
251 ($370)$113$257$33,786
252 ($370)$112$258$33,528
Year 22 - 253 ($370)$111$259$33,270
254 ($370)$111$259$33,010
255 ($370)$110$260$32,750
256 ($370)$109$261$32,489
257 ($370)$108$262$32,227
258 ($370)$107$263$31,964
259 ($370)$106$264$31,700
260 ($370)$105$265$31,436
261 ($370)$105$266$31,170
262 ($370)$104$266$30,904
263 ($370)$103$267$30,637
264 ($370)$102$268$30,368
Year 23 - 265 ($370)$101$269$30,099
266 ($370)$100$270$29,829
267 ($370)$99$271$29,559
268 ($370)$98$272$29,287
269 ($370)$97$273$29,014
270 ($370)$96$274$28,741
271 ($370)$96$274$28,466
272 ($370)$95$275$28,191
273 ($370)$94$276$27,914
274 ($370)$93$277$27,637
275 ($370)$92$278$27,359
276 ($370)$91$279$27,080
Year 24 - 277 ($370)$90$280$26,800
278 ($370)$89$281$26,519
279 ($370)$88$282$26,237
280 ($370)$87$283$25,954
281 ($370)$86$284$25,671
282 ($370)$85$285$25,386
283 ($370)$84$286$25,100
284 ($370)$83$287$24,814
285 ($370)$83$288$24,526
286 ($370)$82$288$24,238
287 ($370)$81$289$23,948
288 ($370)$80$290$23,658
Year 25 - 289 ($370)$79$291$23,367
290 ($370)$78$292$23,074
291 ($370)$77$293$22,781
292 ($370)$76$294$22,487
293 ($370)$75$295$22,192
294 ($370)$74$296$21,895
295 ($370)$73$297$21,598
296 ($370)$72$298$21,300
297 ($370)$71$299$21,001
298 ($370)$70$300$20,700
299 ($370)$69$301$20,399
300 ($370)$68$302$20,097
Year 26 - 301 ($370)$67$303$19,794
302 ($370)$66$304$19,490
303 ($370)$65$305$19,184
304 ($370)$64$306$18,878
305 ($370)$63$307$18,571
306 ($370)$62$308$18,263
307 ($370)$61$309$17,953
308 ($370)$60$310$17,643
309 ($370)$59$311$17,332
310 ($370)$58$312$17,019
311 ($370)$57$313$16,706
312 ($370)$56$314$16,391
Year 27 - 313 ($370)$55$316$16,076
314 ($370)$53$317$15,759
315 ($370)$52$318$15,442
316 ($370)$51$319$15,123
317 ($370)$50$320$14,803
318 ($370)$49$321$14,482
319 ($370)$48$322$14,160
320 ($370)$47$323$13,838
321 ($370)$46$324$13,514
322 ($370)$45$325$13,188
323 ($370)$44$326$12,862
324 ($370)$43$327$12,535
Year 28 - 325 ($370)$42$328$12,207
326 ($370)$41$329$11,877
327 ($370)$39$331$11,547
328 ($370)$38$332$11,215
329 ($370)$37$333$10,882
330 ($370)$36$334$10,548
331 ($370)$35$335$10,213
332 ($370)$34$336$9,877
333 ($370)$33$337$9,540
334 ($370)$32$338$9,202
335 ($370)$31$339$8,863
336 ($370)$29$341$8,522
Year 29 - 337 ($370)$28$342$8,180
338 ($370)$27$343$7,837
339 ($370)$26$344$7,493
340 ($370)$25$345$7,148
341 ($370)$24$346$6,802
342 ($370)$23$347$6,455
343 ($370)$21$349$6,106
344 ($370)$20$350$5,756
345 ($370)$19$351$5,406
346 ($370)$18$352$5,053
347 ($370)$17$353$4,700
348 ($370)$16$354$4,346
Year 30 - 349 ($370)$14$356$3,990
350 ($370)$13$357$3,633
351 ($370)$12$358$3,276
352 ($370)$11$359$2,916
353 ($370)$10$360$2,556
354 ($370)$8$362$2,195
355 ($370)$7$363$1,832
356 ($370)$6$364$1,468
357 ($370)$5$365$1,103
358 ($370)$4$366$736
359 ($370)$2$368$369
360 ($370)$1$369$0
TOTALS$55,610$77,600$133,210

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.