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Mortgage Payment Schedule for a $98,000 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 May 18, 2017. Check Lending Tree to see current rates from multiple lenders.

Mortgage Parameters


Less than 20% ($19,600) may require pre-mortgage insurance


4.02% is current rate for 30-year fixed
3.27% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$375 360 $56,671 $135,071

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $98,000
Down Payment $19,600$78,400
Year 1 - 1 ($375)$263$113$78,287
2 ($375)$262$113$78,175
3 ($375)$262$113$78,061
4 ($375)$262$114$77,948
5 ($375)$261$114$77,833
6 ($375)$261$114$77,719
7 ($375)$260$115$77,604
8 ($375)$260$115$77,489
9 ($375)$260$116$77,373
10 ($375)$259$116$77,257
11 ($375)$259$116$77,141
12 ($375)$258$117$77,024
Year 2 - 13 ($375)$258$117$76,907
14 ($375)$258$118$76,789
15 ($375)$257$118$76,671
16 ($375)$257$118$76,553
17 ($375)$256$119$76,434
18 ($375)$256$119$76,315
19 ($375)$256$120$76,196
20 ($375)$255$120$76,076
21 ($375)$255$120$75,955
22 ($375)$254$121$75,835
23 ($375)$254$121$75,713
24 ($375)$254$122$75,592
Year 3 - 25 ($375)$253$122$75,470
26 ($375)$253$122$75,348
27 ($375)$252$123$75,225
28 ($375)$252$123$75,102
29 ($375)$252$124$74,978
30 ($375)$251$124$74,854
31 ($375)$251$124$74,730
32 ($375)$250$125$74,605
33 ($375)$250$125$74,479
34 ($375)$250$126$74,354
35 ($375)$249$126$74,228
36 ($375)$249$127$74,101
Year 4 - 37 ($375)$248$127$73,974
38 ($375)$248$127$73,847
39 ($375)$247$128$73,719
40 ($375)$247$128$73,591
41 ($375)$247$129$73,462
42 ($375)$246$129$73,333
43 ($375)$246$130$73,203
44 ($375)$245$130$73,073
45 ($375)$245$130$72,943
46 ($375)$244$131$72,812
47 ($375)$244$131$72,681
48 ($375)$243$132$72,549
Year 5 - 49 ($375)$243$132$72,417
50 ($375)$243$133$72,284
51 ($375)$242$133$72,151
52 ($375)$242$133$72,018
53 ($375)$241$134$71,884
54 ($375)$241$134$71,750
55 ($375)$240$135$71,615
56 ($375)$240$135$71,479
57 ($375)$239$136$71,344
58 ($375)$239$136$71,207
59 ($375)$239$137$71,071
60 ($375)$238$137$70,934
Year 6 - 61 ($375)$238$138$70,796
62 ($375)$237$138$70,658
63 ($375)$237$138$70,520
64 ($375)$236$139$70,381
65 ($375)$236$139$70,241
66 ($375)$235$140$70,101
67 ($375)$235$140$69,961
68 ($375)$234$141$69,820
69 ($375)$234$141$69,679
70 ($375)$233$142$69,537
71 ($375)$233$142$69,395
72 ($375)$232$143$69,252
Year 7 - 73 ($375)$232$143$69,109
74 ($375)$232$144$68,965
75 ($375)$231$144$68,821
76 ($375)$231$145$68,676
77 ($375)$230$145$68,531
78 ($375)$230$146$68,386
79 ($375)$229$146$68,240
80 ($375)$229$147$68,093
81 ($375)$228$147$67,946
82 ($375)$228$148$67,798
83 ($375)$227$148$67,650
84 ($375)$227$149$67,502
Year 8 - 85 ($375)$226$149$67,353
86 ($375)$226$150$67,203
87 ($375)$225$150$67,053
88 ($375)$225$151$66,902
89 ($375)$224$151$66,751
90 ($375)$224$152$66,600
91 ($375)$223$152$66,448
92 ($375)$223$153$66,295
93 ($375)$222$153$66,142
94 ($375)$222$154$65,988
95 ($375)$221$154$65,834
96 ($375)$221$155$65,680
Year 9 - 97 ($375)$220$155$65,524
98 ($375)$220$156$65,369
99 ($375)$219$156$65,212
100 ($375)$218$157$65,056
101 ($375)$218$157$64,898
102 ($375)$217$158$64,741
103 ($375)$217$158$64,582
104 ($375)$216$159$64,424
105 ($375)$216$159$64,264
106 ($375)$215$160$64,104
107 ($375)$215$160$63,944
108 ($375)$214$161$63,783
Year 10 - 109 ($375)$214$162$63,621
110 ($375)$213$162$63,459
111 ($375)$213$163$63,297
112 ($375)$212$163$63,133
113 ($375)$211$164$62,970
114 ($375)$211$164$62,805
115 ($375)$210$165$62,641
116 ($375)$210$165$62,475
117 ($375)$209$166$62,309
118 ($375)$209$166$62,143
119 ($375)$208$167$61,976
120 ($375)$208$168$61,808
Year 11 - 121 ($375)$207$168$61,640
122 ($375)$206$169$61,472
123 ($375)$206$169$61,302
124 ($375)$205$170$61,132
125 ($375)$205$170$60,962
126 ($375)$204$171$60,791
127 ($375)$204$172$60,619
128 ($375)$203$172$60,447
129 ($375)$202$173$60,275
130 ($375)$202$173$60,101
131 ($375)$201$174$59,928
132 ($375)$201$174$59,753
Year 12 - 133 ($375)$200$175$59,578
134 ($375)$200$176$59,402
135 ($375)$199$176$59,226
136 ($375)$198$177$59,049
137 ($375)$198$177$58,872
138 ($375)$197$178$58,694
139 ($375)$197$179$58,516
140 ($375)$196$179$58,336
141 ($375)$195$180$58,157
142 ($375)$195$180$57,976
143 ($375)$194$181$57,795
144 ($375)$194$182$57,614
Year 13 - 145 ($375)$193$182$57,431
146 ($375)$192$183$57,249
147 ($375)$192$183$57,065
148 ($375)$191$184$56,881
149 ($375)$191$185$56,697
150 ($375)$190$185$56,511
151 ($375)$189$186$56,325
152 ($375)$189$187$56,139
153 ($375)$188$187$55,952
154 ($375)$187$188$55,764
155 ($375)$187$188$55,576
156 ($375)$186$189$55,387
Year 14 - 157 ($375)$186$190$55,197
158 ($375)$185$190$55,007
159 ($375)$184$191$54,816
160 ($375)$184$192$54,624
161 ($375)$183$192$54,432
162 ($375)$182$193$54,239
163 ($375)$182$193$54,046
164 ($375)$181$194$53,851
165 ($375)$180$195$53,657
166 ($375)$180$195$53,461
167 ($375)$179$196$53,265
168 ($375)$178$197$53,068
Year 15 - 169 ($375)$178$197$52,871
170 ($375)$177$198$52,673
171 ($375)$176$199$52,474
172 ($375)$176$199$52,275
173 ($375)$175$200$52,075
174 ($375)$174$201$51,874
175 ($375)$174$201$51,672
176 ($375)$173$202$51,470
177 ($375)$172$203$51,268
178 ($375)$172$203$51,064
179 ($375)$171$204$50,860
180 ($375)$170$205$50,655
Year 16 - 181 ($375)$170$206$50,450
182 ($375)$169$206$50,243
183 ($375)$168$207$50,037
184 ($375)$168$208$49,829
185 ($375)$167$208$49,621
186 ($375)$166$209$49,412
187 ($375)$166$210$49,202
188 ($375)$165$210$48,992
189 ($375)$164$211$48,781
190 ($375)$163$212$48,569
191 ($375)$163$212$48,356
192 ($375)$162$213$48,143
Year 17 - 193 ($375)$161$214$47,929
194 ($375)$161$215$47,715
195 ($375)$160$215$47,499
196 ($375)$159$216$47,283
197 ($375)$158$217$47,066
198 ($375)$158$218$46,849
199 ($375)$157$218$46,631
200 ($375)$156$219$46,412
201 ($375)$155$220$46,192
202 ($375)$155$220$45,971
203 ($375)$154$221$45,750
204 ($375)$153$222$45,528
Year 18 - 205 ($375)$153$223$45,306
206 ($375)$152$223$45,082
207 ($375)$151$224$44,858
208 ($375)$150$225$44,633
209 ($375)$150$226$44,407
210 ($375)$149$226$44,181
211 ($375)$148$227$43,954
212 ($375)$147$228$43,726
213 ($375)$146$229$43,497
214 ($375)$146$229$43,268
215 ($375)$145$230$43,037
216 ($375)$144$231$42,806
Year 19 - 217 ($375)$143$232$42,575
218 ($375)$143$233$42,342
219 ($375)$142$233$42,109
220 ($375)$141$234$41,875
221 ($375)$140$235$41,640
222 ($375)$139$236$41,404
223 ($375)$139$236$41,167
224 ($375)$138$237$40,930
225 ($375)$137$238$40,692
226 ($375)$136$239$40,453
227 ($375)$136$240$40,214
228 ($375)$135$240$39,973
Year 20 - 229 ($375)$134$241$39,732
230 ($375)$133$242$39,490
231 ($375)$132$243$39,247
232 ($375)$131$244$39,003
233 ($375)$131$245$38,758
234 ($375)$130$245$38,513
235 ($375)$129$246$38,267
236 ($375)$128$247$38,020
237 ($375)$127$248$37,772
238 ($375)$127$249$37,523
239 ($375)$126$249$37,274
240 ($375)$125$250$37,024
Year 21 - 241 ($375)$124$251$36,772
242 ($375)$123$252$36,520
243 ($375)$122$253$36,268
244 ($375)$121$254$36,014
245 ($375)$121$255$35,759
246 ($375)$120$255$35,504
247 ($375)$119$256$35,248
248 ($375)$118$257$34,991
249 ($375)$117$258$34,733
250 ($375)$116$259$34,474
251 ($375)$115$260$34,214
252 ($375)$115$261$33,953
Year 22 - 253 ($375)$114$261$33,692
254 ($375)$113$262$33,430
255 ($375)$112$263$33,166
256 ($375)$111$264$32,902
257 ($375)$110$265$32,637
258 ($375)$109$266$32,372
259 ($375)$108$267$32,105
260 ($375)$108$268$31,837
261 ($375)$107$269$31,569
262 ($375)$106$269$31,299
263 ($375)$105$270$31,029
264 ($375)$104$271$30,758
Year 23 - 265 ($375)$103$272$30,485
266 ($375)$102$273$30,212
267 ($375)$101$274$29,938
268 ($375)$100$275$29,663
269 ($375)$99$276$29,388
270 ($375)$98$277$29,111
271 ($375)$98$278$28,833
272 ($375)$97$279$28,555
273 ($375)$96$280$28,275
274 ($375)$95$280$27,995
275 ($375)$94$281$27,713
276 ($375)$93$282$27,431
Year 24 - 277 ($375)$92$283$27,147
278 ($375)$91$284$26,863
279 ($375)$90$285$26,578
280 ($375)$89$286$26,292
281 ($375)$88$287$26,005
282 ($375)$87$288$25,717
283 ($375)$86$289$25,428
284 ($375)$85$290$25,138
285 ($375)$84$291$24,847
286 ($375)$83$292$24,555
287 ($375)$82$293$24,262
288 ($375)$81$294$23,968
Year 25 - 289 ($375)$80$295$23,673
290 ($375)$79$296$23,377
291 ($375)$78$297$23,080
292 ($375)$77$298$22,782
293 ($375)$76$299$22,483
294 ($375)$75$300$22,183
295 ($375)$74$301$21,883
296 ($375)$73$302$21,581
297 ($375)$72$303$21,278
298 ($375)$71$304$20,974
299 ($375)$70$305$20,669
300 ($375)$69$306$20,363
Year 26 - 301 ($375)$68$307$20,056
302 ($375)$67$308$19,748
303 ($375)$66$309$19,439
304 ($375)$65$310$19,129
305 ($375)$64$311$18,818
306 ($375)$63$312$18,506
307 ($375)$62$313$18,192
308 ($375)$61$314$17,878
309 ($375)$60$315$17,563
310 ($375)$59$316$17,246
311 ($375)$58$317$16,929
312 ($375)$57$318$16,611
Year 27 - 313 ($375)$56$320$16,291
314 ($375)$55$321$15,970
315 ($375)$54$322$15,649
316 ($375)$52$323$15,326
317 ($375)$51$324$15,002
318 ($375)$50$325$14,677
319 ($375)$49$326$14,351
320 ($375)$48$327$14,024
321 ($375)$47$328$13,696
322 ($375)$46$329$13,366
323 ($375)$45$330$13,036
324 ($375)$44$332$12,704
Year 28 - 325 ($375)$43$333$12,372
326 ($375)$41$334$12,038
327 ($375)$40$335$11,703
328 ($375)$39$336$11,367
329 ($375)$38$337$11,030
330 ($375)$37$338$10,692
331 ($375)$36$339$10,352
332 ($375)$35$341$10,012
333 ($375)$34$342$9,670
334 ($375)$32$343$9,327
335 ($375)$31$344$8,983
336 ($375)$30$345$8,638
Year 29 - 337 ($375)$29$346$8,292
338 ($375)$28$347$7,945
339 ($375)$27$349$7,596
340 ($375)$25$350$7,246
341 ($375)$24$351$6,895
342 ($375)$23$352$6,543
343 ($375)$22$353$6,190
344 ($375)$21$354$5,836
345 ($375)$20$356$5,480
346 ($375)$18$357$5,123
347 ($375)$17$358$4,765
348 ($375)$16$359$4,406
Year 30 - 349 ($375)$15$360$4,045
350 ($375)$14$362$3,684
351 ($375)$12$363$3,321
352 ($375)$11$364$2,957
353 ($375)$10$365$2,592
354 ($375)$9$367$2,225
355 ($375)$7$368$1,857
356 ($375)$6$369$1,488
357 ($375)$5$370$1,118
358 ($375)$4$371$747
359 ($375)$3$373$374
360 ($375)$1$374$0
TOTALS$56,671$78,400$135,071

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.