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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 July 20, 2017. Check LendingTree to see current rates from multiple lenders.

Mortgage Parameters


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


3.96% is current rate for 30-year fixed
3.23% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$372 360 $55,696 $134,096

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $98,000
Down Payment $19,600$78,400
Year 1 - 1 ($372)$259$114$78,286
2 ($372)$258$114$78,172
3 ($372)$258$115$78,058
4 ($372)$258$115$77,943
5 ($372)$257$115$77,827
6 ($372)$257$116$77,712
7 ($372)$256$116$77,596
8 ($372)$256$116$77,479
9 ($372)$256$117$77,362
10 ($372)$255$117$77,245
11 ($372)$255$118$77,128
12 ($372)$255$118$77,010
Year 2 - 13 ($372)$254$118$76,891
14 ($372)$254$119$76,773
15 ($372)$253$119$76,653
16 ($372)$253$120$76,534
17 ($372)$253$120$76,414
18 ($372)$252$120$76,294
19 ($372)$252$121$76,173
20 ($372)$251$121$76,052
21 ($372)$251$122$75,930
22 ($372)$251$122$75,808
23 ($372)$250$122$75,686
24 ($372)$250$123$75,563
Year 3 - 25 ($372)$249$123$75,440
26 ($372)$249$124$75,317
27 ($372)$249$124$75,193
28 ($372)$248$124$75,068
29 ($372)$248$125$74,944
30 ($372)$247$125$74,819
31 ($372)$247$126$74,693
32 ($372)$246$126$74,567
33 ($372)$246$126$74,440
34 ($372)$246$127$74,314
35 ($372)$245$127$74,186
36 ($372)$245$128$74,059
Year 4 - 37 ($372)$244$128$73,931
38 ($372)$244$129$73,802
39 ($372)$244$129$73,673
40 ($372)$243$129$73,544
41 ($372)$243$130$73,414
42 ($372)$242$130$73,284
43 ($372)$242$131$73,153
44 ($372)$241$131$73,022
45 ($372)$241$132$72,891
46 ($372)$241$132$72,759
47 ($372)$240$132$72,626
48 ($372)$240$133$72,493
Year 5 - 49 ($372)$239$133$72,360
50 ($372)$239$134$72,226
51 ($372)$238$134$72,092
52 ($372)$238$135$71,958
53 ($372)$237$135$71,823
54 ($372)$237$135$71,687
55 ($372)$237$136$71,551
56 ($372)$236$136$71,415
57 ($372)$236$137$71,278
58 ($372)$235$137$71,141
59 ($372)$235$138$71,003
60 ($372)$234$138$70,865
Year 6 - 61 ($372)$234$139$70,726
62 ($372)$233$139$70,587
63 ($372)$233$140$70,448
64 ($372)$232$140$70,308
65 ($372)$232$140$70,167
66 ($372)$232$141$70,026
67 ($372)$231$141$69,885
68 ($372)$231$142$69,743
69 ($372)$230$142$69,601
70 ($372)$230$143$69,458
71 ($372)$229$143$69,315
72 ($372)$229$144$69,171
Year 7 - 73 ($372)$228$144$69,027
74 ($372)$228$145$68,882
75 ($372)$227$145$68,737
76 ($372)$227$146$68,591
77 ($372)$226$146$68,445
78 ($372)$226$147$68,298
79 ($372)$225$147$68,151
80 ($372)$225$148$68,004
81 ($372)$224$148$67,856
82 ($372)$224$149$67,707
83 ($372)$223$149$67,558
84 ($372)$223$150$67,408
Year 8 - 85 ($372)$222$150$67,258
86 ($372)$222$151$67,108
87 ($372)$221$151$66,957
88 ($372)$221$152$66,805
89 ($372)$220$152$66,653
90 ($372)$220$153$66,501
91 ($372)$219$153$66,348
92 ($372)$219$154$66,194
93 ($372)$218$154$66,040
94 ($372)$218$155$65,885
95 ($372)$217$155$65,730
96 ($372)$217$156$65,575
Year 9 - 97 ($372)$216$156$65,419
98 ($372)$216$157$65,262
99 ($372)$215$157$65,105
100 ($372)$215$158$64,947
101 ($372)$214$158$64,789
102 ($372)$214$159$64,631
103 ($372)$213$159$64,471
104 ($372)$213$160$64,312
105 ($372)$212$160$64,151
106 ($372)$212$161$63,991
107 ($372)$211$161$63,829
108 ($372)$211$162$63,667
Year 10 - 109 ($372)$210$162$63,505
110 ($372)$210$163$63,342
111 ($372)$209$163$63,179
112 ($372)$208$164$63,015
113 ($372)$208$165$62,850
114 ($372)$207$165$62,685
115 ($372)$207$166$62,519
116 ($372)$206$166$62,353
117 ($372)$206$167$62,186
118 ($372)$205$167$62,019
119 ($372)$205$168$61,851
120 ($372)$204$168$61,683
Year 11 - 121 ($372)$204$169$61,514
122 ($372)$203$169$61,345
123 ($372)$202$170$61,175
124 ($372)$202$171$61,004
125 ($372)$201$171$60,833
126 ($372)$201$172$60,661
127 ($372)$200$172$60,489
128 ($372)$200$173$60,316
129 ($372)$199$173$60,142
130 ($372)$198$174$59,968
131 ($372)$198$175$59,794
132 ($372)$197$175$59,619
Year 12 - 133 ($372)$197$176$59,443
134 ($372)$196$176$59,266
135 ($372)$196$177$59,090
136 ($372)$195$177$58,912
137 ($372)$194$178$58,734
138 ($372)$194$179$58,555
139 ($372)$193$179$58,376
140 ($372)$193$180$58,196
141 ($372)$192$180$58,016
142 ($372)$191$181$57,835
143 ($372)$191$182$57,653
144 ($372)$190$182$57,471
Year 13 - 145 ($372)$190$183$57,288
146 ($372)$189$183$57,105
147 ($372)$188$184$56,921
148 ($372)$188$185$56,736
149 ($372)$187$185$56,551
150 ($372)$187$186$56,365
151 ($372)$186$186$56,178
152 ($372)$185$187$55,991
153 ($372)$185$188$55,804
154 ($372)$184$188$55,615
155 ($372)$184$189$55,426
156 ($372)$183$190$55,237
Year 14 - 157 ($372)$182$190$55,046
158 ($372)$182$191$54,856
159 ($372)$181$191$54,664
160 ($372)$180$192$54,472
161 ($372)$180$193$54,279
162 ($372)$179$193$54,086
163 ($372)$178$194$53,892
164 ($372)$178$195$53,697
165 ($372)$177$195$53,502
166 ($372)$177$196$53,306
167 ($372)$176$197$53,109
168 ($372)$175$197$52,912
Year 15 - 169 ($372)$175$198$52,714
170 ($372)$174$199$52,516
171 ($372)$173$199$52,317
172 ($372)$173$200$52,117
173 ($372)$172$201$51,916
174 ($372)$171$201$51,715
175 ($372)$171$202$51,513
176 ($372)$170$202$51,311
177 ($372)$169$203$51,108
178 ($372)$169$204$50,904
179 ($372)$168$205$50,699
180 ($372)$167$205$50,494
Year 16 - 181 ($372)$167$206$50,288
182 ($372)$166$207$50,082
183 ($372)$165$207$49,875
184 ($372)$165$208$49,667
185 ($372)$164$209$49,458
186 ($372)$163$209$49,249
187 ($372)$163$210$49,039
188 ($372)$162$211$48,828
189 ($372)$161$211$48,617
190 ($372)$160$212$48,405
191 ($372)$160$213$48,192
192 ($372)$159$213$47,979
Year 17 - 193 ($372)$158$214$47,764
194 ($372)$158$215$47,550
195 ($372)$157$216$47,334
196 ($372)$156$216$47,118
197 ($372)$155$217$46,901
198 ($372)$155$218$46,683
199 ($372)$154$218$46,465
200 ($372)$153$219$46,245
201 ($372)$153$220$46,025
202 ($372)$152$221$45,805
203 ($372)$151$221$45,584
204 ($372)$150$222$45,361
Year 18 - 205 ($372)$150$223$45,139
206 ($372)$149$224$44,915
207 ($372)$148$224$44,691
208 ($372)$147$225$44,466
209 ($372)$147$226$44,240
210 ($372)$146$226$44,014
211 ($372)$145$227$43,786
212 ($372)$144$228$43,558
213 ($372)$144$229$43,330
214 ($372)$143$230$43,100
215 ($372)$142$230$42,870
216 ($372)$141$231$42,639
Year 19 - 217 ($372)$141$232$42,407
218 ($372)$140$233$42,175
219 ($372)$139$233$41,941
220 ($372)$138$234$41,707
221 ($372)$138$235$41,472
222 ($372)$137$236$41,237
223 ($372)$136$236$41,000
224 ($372)$135$237$40,763
225 ($372)$135$238$40,525
226 ($372)$134$239$40,286
227 ($372)$133$240$40,047
228 ($372)$132$240$39,806
Year 20 - 229 ($372)$131$241$39,565
230 ($372)$131$242$39,323
231 ($372)$130$243$39,081
232 ($372)$129$244$38,837
233 ($372)$128$244$38,593
234 ($372)$127$245$38,348
235 ($372)$127$246$38,102
236 ($372)$126$247$37,855
237 ($372)$125$248$37,607
238 ($372)$124$248$37,359
239 ($372)$123$249$37,110
240 ($372)$122$250$36,860
Year 21 - 241 ($372)$122$251$36,609
242 ($372)$121$252$36,357
243 ($372)$120$253$36,105
244 ($372)$119$253$35,851
245 ($372)$118$254$35,597
246 ($372)$117$255$35,342
247 ($372)$117$256$35,086
248 ($372)$116$257$34,830
249 ($372)$115$258$34,572
250 ($372)$114$258$34,314
251 ($372)$113$259$34,055
252 ($372)$112$260$33,794
Year 22 - 253 ($372)$112$261$33,533
254 ($372)$111$262$33,272
255 ($372)$110$263$33,009
256 ($372)$109$264$32,745
257 ($372)$108$264$32,481
258 ($372)$107$265$32,216
259 ($372)$106$266$31,949
260 ($372)$105$267$31,682
261 ($372)$105$268$31,414
262 ($372)$104$269$31,146
263 ($372)$103$270$30,876
264 ($372)$102$271$30,605
Year 23 - 265 ($372)$101$271$30,334
266 ($372)$100$272$30,061
267 ($372)$99$273$29,788
268 ($372)$98$274$29,514
269 ($372)$97$275$29,239
270 ($372)$96$276$28,963
271 ($372)$96$277$28,686
272 ($372)$95$278$28,408
273 ($372)$94$279$28,129
274 ($372)$93$280$27,850
275 ($372)$92$281$27,569
276 ($372)$91$282$27,288
Year 24 - 277 ($372)$90$282$27,005
278 ($372)$89$283$26,722
279 ($372)$88$284$26,438
280 ($372)$87$285$26,152
281 ($372)$86$286$25,866
282 ($372)$85$287$25,579
283 ($372)$84$288$25,291
284 ($372)$83$289$25,002
285 ($372)$83$290$24,712
286 ($372)$82$291$24,421
287 ($372)$81$292$24,129
288 ($372)$80$293$23,836
Year 25 - 289 ($372)$79$294$23,542
290 ($372)$78$295$23,248
291 ($372)$77$296$22,952
292 ($372)$76$297$22,655
293 ($372)$75$298$22,357
294 ($372)$74$299$22,059
295 ($372)$73$300$21,759
296 ($372)$72$301$21,458
297 ($372)$71$302$21,157
298 ($372)$70$303$20,854
299 ($372)$69$304$20,550
300 ($372)$68$305$20,246
Year 26 - 301 ($372)$67$306$19,940
302 ($372)$66$307$19,633
303 ($372)$65$308$19,326
304 ($372)$64$309$19,017
305 ($372)$63$310$18,707
306 ($372)$62$311$18,396
307 ($372)$61$312$18,085
308 ($372)$60$313$17,772
309 ($372)$59$314$17,458
310 ($372)$58$315$17,143
311 ($372)$57$316$16,827
312 ($372)$56$317$16,510
Year 27 - 313 ($372)$54$318$16,192
314 ($372)$53$319$15,873
315 ($372)$52$320$15,553
316 ($372)$51$321$15,232
317 ($372)$50$322$14,910
318 ($372)$49$323$14,586
319 ($372)$48$324$14,262
320 ($372)$47$325$13,937
321 ($372)$46$326$13,610
322 ($372)$45$328$13,282
323 ($372)$44$329$12,954
324 ($372)$43$330$12,624
Year 28 - 325 ($372)$42$331$12,293
326 ($372)$41$332$11,961
327 ($372)$39$333$11,628
328 ($372)$38$334$11,294
329 ($372)$37$335$10,959
330 ($372)$36$336$10,623
331 ($372)$35$337$10,285
332 ($372)$34$339$9,947
333 ($372)$33$340$9,607
334 ($372)$32$341$9,266
335 ($372)$31$342$8,924
336 ($372)$29$343$8,581
Year 29 - 337 ($372)$28$344$8,237
338 ($372)$27$345$7,892
339 ($372)$26$346$7,545
340 ($372)$25$348$7,198
341 ($372)$24$349$6,849
342 ($372)$23$350$6,499
343 ($372)$21$351$6,148
344 ($372)$20$352$5,796
345 ($372)$19$353$5,443
346 ($372)$18$355$5,088
347 ($372)$17$356$4,732
348 ($372)$16$357$4,375
Year 30 - 349 ($372)$14$358$4,017
350 ($372)$13$359$3,658
351 ($372)$12$360$3,298
352 ($372)$11$362$2,936
353 ($372)$10$363$2,573
354 ($372)$8$364$2,209
355 ($372)$7$365$1,844
356 ($372)$6$366$1,478
357 ($372)$5$368$1,110
358 ($372)$4$369$741
359 ($372)$2$370$371
360 ($372)$1$371$0
TOTALS$55,696$78,400$134,096

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.