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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 November 16, 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


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

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$368 360 $54,967 $132,567

Mortgage Providers

Choose a lender below and lock in your estimated payment of $1,186 or less (zip code: 20149)


NMLS #: 168163 | State Lic #: MC3254
$1,123 /mo
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30 yr fixed mtg, 0 points | APR: 3.561% | Rate: 3.500% | Fees: $1,895 | 30 day rate lock

NMLS #: 134407 | State Lic #: MC-5378
$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 #: 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 #: 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 #: 2890 | State Lic #: MC-3098
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.766% | Rate: 3.750% | Fees: $490 | 30 day rate lock

NMLS #: 66247 | State Lic #: MC-1825
$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.766% | Rate: 3.750% | Fees: $487 | 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 #: 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 #: 424182
$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 #: 244476 | State Lic #: MC-5877
$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 #: 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

NMLS #: 417490
$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

NMLS #: 227765 | 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 #: 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 #: 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

$1,248 /mo
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30 yr fixed mtg, 0 points | APR: 4.375% | Rate: 4.375% | Fees: $0 | 30 day rate lock

$1,158 /mo
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30 yr fixed mtg, 0 points | APR: 3.753% | Rate: 3.750% | Fees: $101 | 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 ($368)$255$113$77,487
2 ($368)$255$113$77,374
3 ($368)$255$114$77,260
4 ($368)$254$114$77,147
5 ($368)$254$114$77,032
6 ($368)$254$115$76,918
7 ($368)$253$115$76,803
8 ($368)$253$115$76,687
9 ($368)$252$116$76,571
10 ($368)$252$116$76,455
11 ($368)$252$117$76,338
12 ($368)$251$117$76,222
Year 2 - 13 ($368)$251$117$76,104
14 ($368)$251$118$75,986
15 ($368)$250$118$75,868
16 ($368)$250$119$75,750
17 ($368)$249$119$75,631
18 ($368)$249$119$75,512
19 ($368)$249$120$75,392
20 ($368)$248$120$75,272
21 ($368)$248$120$75,151
22 ($368)$247$121$75,031
23 ($368)$247$121$74,909
24 ($368)$247$122$74,788
Year 3 - 25 ($368)$246$122$74,666
26 ($368)$246$122$74,543
27 ($368)$245$123$74,420
28 ($368)$245$123$74,297
29 ($368)$245$124$74,173
30 ($368)$244$124$74,049
31 ($368)$244$124$73,925
32 ($368)$243$125$73,800
33 ($368)$243$125$73,674
34 ($368)$243$126$73,549
35 ($368)$242$126$73,423
36 ($368)$242$127$73,296
Year 4 - 37 ($368)$241$127$73,169
38 ($368)$241$127$73,042
39 ($368)$240$128$72,914
40 ($368)$240$128$72,786
41 ($368)$240$129$72,657
42 ($368)$239$129$72,528
43 ($368)$239$130$72,398
44 ($368)$238$130$72,268
45 ($368)$238$130$72,138
46 ($368)$237$131$72,007
47 ($368)$237$131$71,876
48 ($368)$237$132$71,744
Year 5 - 49 ($368)$236$132$71,612
50 ($368)$236$133$71,480
51 ($368)$235$133$71,347
52 ($368)$235$133$71,213
53 ($368)$234$134$71,080
54 ($368)$234$134$70,945
55 ($368)$234$135$70,811
56 ($368)$233$135$70,676
57 ($368)$233$136$70,540
58 ($368)$232$136$70,404
59 ($368)$232$136$70,267
60 ($368)$231$137$70,130
Year 6 - 61 ($368)$231$137$69,993
62 ($368)$230$138$69,855
63 ($368)$230$138$69,717
64 ($368)$229$139$69,578
65 ($368)$229$139$69,439
66 ($368)$229$140$69,299
67 ($368)$228$140$69,159
68 ($368)$228$141$69,019
69 ($368)$227$141$68,877
70 ($368)$227$142$68,736
71 ($368)$226$142$68,594
72 ($368)$226$142$68,452
Year 7 - 73 ($368)$225$143$68,309
74 ($368)$225$143$68,165
75 ($368)$224$144$68,021
76 ($368)$224$144$67,877
77 ($368)$223$145$67,732
78 ($368)$223$145$67,587
79 ($368)$222$146$67,441
80 ($368)$222$146$67,295
81 ($368)$222$147$67,148
82 ($368)$221$147$67,001
83 ($368)$221$148$66,853
84 ($368)$220$148$66,705
Year 8 - 85 ($368)$220$149$66,556
86 ($368)$219$149$66,407
87 ($368)$219$150$66,258
88 ($368)$218$150$66,107
89 ($368)$218$151$65,957
90 ($368)$217$151$65,806
91 ($368)$217$152$65,654
92 ($368)$216$152$65,502
93 ($368)$216$153$65,349
94 ($368)$215$153$65,196
95 ($368)$215$154$65,043
96 ($368)$214$154$64,888
Year 9 - 97 ($368)$214$155$64,734
98 ($368)$213$155$64,579
99 ($368)$213$156$64,423
100 ($368)$212$156$64,267
101 ($368)$212$157$64,110
102 ($368)$211$157$63,953
103 ($368)$211$158$63,795
104 ($368)$210$158$63,637
105 ($368)$209$159$63,478
106 ($368)$209$159$63,319
107 ($368)$208$160$63,159
108 ($368)$208$160$62,999
Year 10 - 109 ($368)$207$161$62,838
110 ($368)$207$161$62,676
111 ($368)$206$162$62,514
112 ($368)$206$162$62,352
113 ($368)$205$163$62,189
114 ($368)$205$164$62,025
115 ($368)$204$164$61,861
116 ($368)$204$165$61,697
117 ($368)$203$165$61,532
118 ($368)$203$166$61,366
119 ($368)$202$166$61,200
120 ($368)$201$167$61,033
Year 11 - 121 ($368)$201$167$60,865
122 ($368)$200$168$60,698
123 ($368)$200$168$60,529
124 ($368)$199$169$60,360
125 ($368)$199$170$60,191
126 ($368)$198$170$60,020
127 ($368)$198$171$59,850
128 ($368)$197$171$59,679
129 ($368)$196$172$59,507
130 ($368)$196$172$59,334
131 ($368)$195$173$59,161
132 ($368)$195$174$58,988
Year 12 - 133 ($368)$194$174$58,814
134 ($368)$194$175$58,639
135 ($368)$193$175$58,464
136 ($368)$192$176$58,288
137 ($368)$192$176$58,112
138 ($368)$191$177$57,935
139 ($368)$191$178$57,757
140 ($368)$190$178$57,579
141 ($368)$190$179$57,401
142 ($368)$189$179$57,221
143 ($368)$188$180$57,041
144 ($368)$188$180$56,861
Year 13 - 145 ($368)$187$181$56,680
146 ($368)$187$182$56,498
147 ($368)$186$182$56,316
148 ($368)$185$183$56,133
149 ($368)$185$183$55,950
150 ($368)$184$184$55,765
151 ($368)$184$185$55,581
152 ($368)$183$185$55,395
153 ($368)$182$186$55,210
154 ($368)$182$187$55,023
155 ($368)$181$187$54,836
156 ($368)$181$188$54,648
Year 14 - 157 ($368)$180$188$54,460
158 ($368)$179$189$54,271
159 ($368)$179$190$54,081
160 ($368)$178$190$53,891
161 ($368)$177$191$53,700
162 ($368)$177$191$53,509
163 ($368)$176$192$53,317
164 ($368)$176$193$53,124
165 ($368)$175$193$52,931
166 ($368)$174$194$52,736
167 ($368)$174$195$52,542
168 ($368)$173$195$52,347
Year 15 - 169 ($368)$172$196$52,151
170 ($368)$172$197$51,954
171 ($368)$171$197$51,757
172 ($368)$170$198$51,559
173 ($368)$170$199$51,360
174 ($368)$169$199$51,161
175 ($368)$168$200$50,961
176 ($368)$168$200$50,761
177 ($368)$167$201$50,560
178 ($368)$166$202$50,358
179 ($368)$166$202$50,155
180 ($368)$165$203$49,952
Year 16 - 181 ($368)$164$204$49,749
182 ($368)$164$204$49,544
183 ($368)$163$205$49,339
184 ($368)$162$206$49,133
185 ($368)$162$207$48,927
186 ($368)$161$207$48,719
187 ($368)$160$208$48,511
188 ($368)$160$209$48,303
189 ($368)$159$209$48,094
190 ($368)$158$210$47,884
191 ($368)$158$211$47,673
192 ($368)$157$211$47,462
Year 17 - 193 ($368)$156$212$47,250
194 ($368)$156$213$47,037
195 ($368)$155$213$46,824
196 ($368)$154$214$46,610
197 ($368)$153$215$46,395
198 ($368)$153$216$46,179
199 ($368)$152$216$45,963
200 ($368)$151$217$45,746
201 ($368)$151$218$45,528
202 ($368)$150$218$45,310
203 ($368)$149$219$45,091
204 ($368)$148$220$44,871
Year 18 - 205 ($368)$148$221$44,651
206 ($368)$147$221$44,429
207 ($368)$146$222$44,207
208 ($368)$146$223$43,985
209 ($368)$145$223$43,761
210 ($368)$144$224$43,537
211 ($368)$143$225$43,312
212 ($368)$143$226$43,086
213 ($368)$142$226$42,860
214 ($368)$141$227$42,633
215 ($368)$140$228$42,405
216 ($368)$140$229$42,176
Year 19 - 217 ($368)$139$229$41,947
218 ($368)$138$230$41,717
219 ($368)$137$231$41,486
220 ($368)$137$232$41,254
221 ($368)$136$232$41,021
222 ($368)$135$233$40,788
223 ($368)$134$234$40,554
224 ($368)$133$235$40,320
225 ($368)$133$236$40,084
226 ($368)$132$236$39,848
227 ($368)$131$237$39,611
228 ($368)$130$238$39,373
Year 20 - 229 ($368)$130$239$39,134
230 ($368)$129$239$38,895
231 ($368)$128$240$38,655
232 ($368)$127$241$38,414
233 ($368)$126$242$38,172
234 ($368)$126$243$37,929
235 ($368)$125$243$37,686
236 ($368)$124$244$37,442
237 ($368)$123$245$37,197
238 ($368)$122$246$36,951
239 ($368)$122$247$36,704
240 ($368)$121$247$36,457
Year 21 - 241 ($368)$120$248$36,208
242 ($368)$119$249$35,959
243 ($368)$118$250$35,710
244 ($368)$118$251$35,459
245 ($368)$117$252$35,207
246 ($368)$116$252$34,955
247 ($368)$115$253$34,702
248 ($368)$114$254$34,448
249 ($368)$113$255$34,193
250 ($368)$113$256$33,937
251 ($368)$112$257$33,681
252 ($368)$111$257$33,423
Year 22 - 253 ($368)$110$258$33,165
254 ($368)$109$259$32,906
255 ($368)$108$260$32,646
256 ($368)$107$261$32,385
257 ($368)$107$262$32,124
258 ($368)$106$263$31,861
259 ($368)$105$263$31,598
260 ($368)$104$264$31,334
261 ($368)$103$265$31,069
262 ($368)$102$266$30,803
263 ($368)$101$267$30,536
264 ($368)$101$268$30,268
Year 23 - 265 ($368)$100$269$29,999
266 ($368)$99$269$29,730
267 ($368)$98$270$29,459
268 ($368)$97$271$29,188
269 ($368)$96$272$28,916
270 ($368)$95$273$28,643
271 ($368)$94$274$28,369
272 ($368)$93$275$28,094
273 ($368)$92$276$27,818
274 ($368)$92$277$27,542
275 ($368)$91$278$27,264
276 ($368)$90$278$26,986
Year 24 - 277 ($368)$89$279$26,706
278 ($368)$88$280$26,426
279 ($368)$87$281$26,145
280 ($368)$86$282$25,862
281 ($368)$85$283$25,579
282 ($368)$84$284$25,295
283 ($368)$83$285$25,010
284 ($368)$82$286$24,724
285 ($368)$81$287$24,438
286 ($368)$80$288$24,150
287 ($368)$79$289$23,861
288 ($368)$79$290$23,571
Year 25 - 289 ($368)$78$291$23,281
290 ($368)$77$292$22,989
291 ($368)$76$293$22,696
292 ($368)$75$294$22,403
293 ($368)$74$294$22,108
294 ($368)$73$295$21,813
295 ($368)$72$296$21,517
296 ($368)$71$297$21,219
297 ($368)$70$298$20,921
298 ($368)$69$299$20,621
299 ($368)$68$300$20,321
300 ($368)$67$301$20,020
Year 26 - 301 ($368)$66$302$19,717
302 ($368)$65$303$19,414
303 ($368)$64$304$19,110
304 ($368)$63$305$18,804
305 ($368)$62$306$18,498
306 ($368)$61$307$18,191
307 ($368)$60$308$17,882
308 ($368)$59$309$17,573
309 ($368)$58$310$17,262
310 ($368)$57$311$16,951
311 ($368)$56$312$16,639
312 ($368)$55$313$16,325
Year 27 - 313 ($368)$54$315$16,011
314 ($368)$53$316$15,695
315 ($368)$52$317$15,379
316 ($368)$51$318$15,061
317 ($368)$50$319$14,742
318 ($368)$49$320$14,423
319 ($368)$47$321$14,102
320 ($368)$46$322$13,780
321 ($368)$45$323$13,457
322 ($368)$44$324$13,133
323 ($368)$43$325$12,808
324 ($368)$42$326$12,482
Year 28 - 325 ($368)$41$327$12,155
326 ($368)$40$328$11,827
327 ($368)$39$329$11,497
328 ($368)$38$330$11,167
329 ($368)$37$331$10,835
330 ($368)$36$333$10,503
331 ($368)$35$334$10,169
332 ($368)$33$335$9,834
333 ($368)$32$336$9,499
334 ($368)$31$337$9,162
335 ($368)$30$338$8,823
336 ($368)$29$339$8,484
Year 29 - 337 ($368)$28$340$8,144
338 ($368)$27$341$7,803
339 ($368)$26$343$7,460
340 ($368)$25$344$7,116
341 ($368)$23$345$6,771
342 ($368)$22$346$6,426
343 ($368)$21$347$6,078
344 ($368)$20$348$5,730
345 ($368)$19$349$5,381
346 ($368)$18$351$5,030
347 ($368)$17$352$4,679
348 ($368)$15$353$4,326
Year 30 - 349 ($368)$14$354$3,972
350 ($368)$13$355$3,617
351 ($368)$12$356$3,260
352 ($368)$11$358$2,903
353 ($368)$10$359$2,544
354 ($368)$8$360$2,184
355 ($368)$7$361$1,823
356 ($368)$6$362$1,461
357 ($368)$5$363$1,097
358 ($368)$4$365$733
359 ($368)$2$366$367
360 ($368)$1$367$0
TOTALS$54,967$77,600$132,567

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.