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Mortgage Payment Schedule for a $99,000 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 April 20, 2017. Check Lending Tree to see current rates from multiple lenders.

Mortgage Parameters


Less than 20% ($19,800) may require pre-mortgage insurance


3.97% is current rate for 30-year fixed
3.23% is current rate for 15-year fixed

Mortgage Summary

Monthly PaymentNumber of PaymentsTotal InterestTotal Paid
$377 360 $56,428 $135,628

Mortgage Payment Schedule

PaymentInterestPrincipalBalance
Home Purchase  $99,000
Down Payment $19,800$79,200
Year 1 - 1 ($377)$262$115$79,085
2 ($377)$262$115$78,970
3 ($377)$261$115$78,855
4 ($377)$261$116$78,739
5 ($377)$260$116$78,623
6 ($377)$260$117$78,506
7 ($377)$260$117$78,389
8 ($377)$259$117$78,272
9 ($377)$259$118$78,154
10 ($377)$259$118$78,036
11 ($377)$258$119$77,917
12 ($377)$258$119$77,798
Year 2 - 13 ($377)$257$119$77,679
14 ($377)$257$120$77,559
15 ($377)$257$120$77,439
16 ($377)$256$121$77,318
17 ($377)$256$121$77,197
18 ($377)$255$121$77,076
19 ($377)$255$122$76,954
20 ($377)$255$122$76,832
21 ($377)$254$123$76,709
22 ($377)$254$123$76,586
23 ($377)$253$123$76,463
24 ($377)$253$124$76,339
Year 3 - 25 ($377)$253$124$76,215
26 ($377)$252$125$76,090
27 ($377)$252$125$75,965
28 ($377)$251$125$75,840
29 ($377)$251$126$75,714
30 ($377)$250$126$75,588
31 ($377)$250$127$75,461
32 ($377)$250$127$75,334
33 ($377)$249$128$75,207
34 ($377)$249$128$75,079
35 ($377)$248$128$74,950
36 ($377)$248$129$74,822
Year 4 - 37 ($377)$248$129$74,692
38 ($377)$247$130$74,563
39 ($377)$247$130$74,433
40 ($377)$246$130$74,302
41 ($377)$246$131$74,171
42 ($377)$245$131$74,040
43 ($377)$245$132$73,908
44 ($377)$245$132$73,776
45 ($377)$244$133$73,643
46 ($377)$244$133$73,510
47 ($377)$243$134$73,377
48 ($377)$243$134$73,243
Year 5 - 49 ($377)$242$134$73,108
50 ($377)$242$135$72,973
51 ($377)$241$135$72,838
52 ($377)$241$136$72,702
53 ($377)$241$136$72,566
54 ($377)$240$137$72,429
55 ($377)$240$137$72,292
56 ($377)$239$138$72,155
57 ($377)$239$138$72,017
58 ($377)$238$138$71,878
59 ($377)$238$139$71,739
60 ($377)$237$139$71,600
Year 6 - 61 ($377)$237$140$71,460
62 ($377)$236$140$71,319
63 ($377)$236$141$71,179
64 ($377)$235$141$71,037
65 ($377)$235$142$70,896
66 ($377)$235$142$70,753
67 ($377)$234$143$70,611
68 ($377)$234$143$70,468
69 ($377)$233$144$70,324
70 ($377)$233$144$70,180
71 ($377)$232$145$70,035
72 ($377)$232$145$69,890
Year 7 - 73 ($377)$231$146$69,745
74 ($377)$231$146$69,599
75 ($377)$230$146$69,452
76 ($377)$230$147$69,305
77 ($377)$229$147$69,158
78 ($377)$229$148$69,010
79 ($377)$228$148$68,862
80 ($377)$228$149$68,713
81 ($377)$227$149$68,563
82 ($377)$227$150$68,413
83 ($377)$226$150$68,263
84 ($377)$226$151$68,112
Year 8 - 85 ($377)$225$151$67,961
86 ($377)$225$152$67,809
87 ($377)$224$152$67,656
88 ($377)$224$153$67,503
89 ($377)$223$153$67,350
90 ($377)$223$154$67,196
91 ($377)$222$154$67,042
92 ($377)$222$155$66,887
93 ($377)$221$155$66,731
94 ($377)$221$156$66,575
95 ($377)$220$156$66,419
96 ($377)$220$157$66,262
Year 9 - 97 ($377)$219$158$66,104
98 ($377)$219$158$65,946
99 ($377)$218$159$65,787
100 ($377)$218$159$65,628
101 ($377)$217$160$65,469
102 ($377)$217$160$65,309
103 ($377)$216$161$65,148
104 ($377)$216$161$64,987
105 ($377)$215$162$64,825
106 ($377)$214$162$64,663
107 ($377)$214$163$64,500
108 ($377)$213$163$64,337
Year 10 - 109 ($377)$213$164$64,173
110 ($377)$212$164$64,008
111 ($377)$212$165$63,843
112 ($377)$211$166$63,678
113 ($377)$211$166$63,512
114 ($377)$210$167$63,345
115 ($377)$210$167$63,178
116 ($377)$209$168$63,010
117 ($377)$208$168$62,842
118 ($377)$208$169$62,673
119 ($377)$207$169$62,504
120 ($377)$207$170$62,334
Year 11 - 121 ($377)$206$171$62,163
122 ($377)$206$171$61,992
123 ($377)$205$172$61,820
124 ($377)$205$172$61,648
125 ($377)$204$173$61,475
126 ($377)$203$173$61,302
127 ($377)$203$174$61,128
128 ($377)$202$175$60,953
129 ($377)$202$175$60,778
130 ($377)$201$176$60,603
131 ($377)$200$176$60,426
132 ($377)$200$177$60,250
Year 12 - 133 ($377)$199$177$60,072
134 ($377)$199$178$59,894
135 ($377)$198$179$59,716
136 ($377)$198$179$59,536
137 ($377)$197$180$59,357
138 ($377)$196$180$59,176
139 ($377)$196$181$58,995
140 ($377)$195$182$58,814
141 ($377)$195$182$58,632
142 ($377)$194$183$58,449
143 ($377)$193$183$58,265
144 ($377)$193$184$58,081
Year 13 - 145 ($377)$192$185$57,897
146 ($377)$192$185$57,712
147 ($377)$191$186$57,526
148 ($377)$190$186$57,339
149 ($377)$190$187$57,152
150 ($377)$189$188$56,965
151 ($377)$188$188$56,776
152 ($377)$188$189$56,587
153 ($377)$187$190$56,398
154 ($377)$187$190$56,208
155 ($377)$186$191$56,017
156 ($377)$185$191$55,826
Year 14 - 157 ($377)$185$192$55,634
158 ($377)$184$193$55,441
159 ($377)$183$193$55,247
160 ($377)$183$194$55,054
161 ($377)$182$195$54,859
162 ($377)$181$195$54,664
163 ($377)$181$196$54,468
164 ($377)$180$197$54,271
165 ($377)$180$197$54,074
166 ($377)$179$198$53,876
167 ($377)$178$199$53,678
168 ($377)$178$199$53,479
Year 15 - 169 ($377)$177$200$53,279
170 ($377)$176$200$53,078
171 ($377)$176$201$52,877
172 ($377)$175$202$52,675
173 ($377)$174$202$52,473
174 ($377)$174$203$52,270
175 ($377)$173$204$52,066
176 ($377)$172$204$51,861
177 ($377)$172$205$51,656
178 ($377)$171$206$51,450
179 ($377)$170$207$51,244
180 ($377)$170$207$51,037
Year 16 - 181 ($377)$169$208$50,829
182 ($377)$168$209$50,620
183 ($377)$167$209$50,411
184 ($377)$167$210$50,201
185 ($377)$166$211$49,990
186 ($377)$165$211$49,779
187 ($377)$165$212$49,567
188 ($377)$164$213$49,354
189 ($377)$163$213$49,141
190 ($377)$163$214$48,926
191 ($377)$162$215$48,711
192 ($377)$161$216$48,496
Year 17 - 193 ($377)$160$216$48,280
194 ($377)$160$217$48,063
195 ($377)$159$218$47,845
196 ($377)$158$218$47,626
197 ($377)$158$219$47,407
198 ($377)$157$220$47,187
199 ($377)$156$221$46,967
200 ($377)$155$221$46,745
201 ($377)$155$222$46,523
202 ($377)$154$223$46,300
203 ($377)$153$224$46,077
204 ($377)$152$224$45,852
Year 18 - 205 ($377)$152$225$45,627
206 ($377)$151$226$45,402
207 ($377)$150$227$45,175
208 ($377)$149$227$44,948
209 ($377)$149$228$44,720
210 ($377)$148$229$44,491
211 ($377)$147$230$44,261
212 ($377)$146$230$44,031
213 ($377)$146$231$43,800
214 ($377)$145$232$43,568
215 ($377)$144$233$43,336
216 ($377)$143$233$43,102
Year 19 - 217 ($377)$143$234$42,868
218 ($377)$142$235$42,633
219 ($377)$141$236$42,397
220 ($377)$140$236$42,161
221 ($377)$139$237$41,924
222 ($377)$139$238$41,686
223 ($377)$138$239$41,447
224 ($377)$137$240$41,207
225 ($377)$136$240$40,967
226 ($377)$136$241$40,726
227 ($377)$135$242$40,484
228 ($377)$134$243$40,241
Year 20 - 229 ($377)$133$244$39,997
230 ($377)$132$244$39,753
231 ($377)$132$245$39,507
232 ($377)$131$246$39,261
233 ($377)$130$247$39,015
234 ($377)$129$248$38,767
235 ($377)$128$248$38,518
236 ($377)$127$249$38,269
237 ($377)$127$250$38,019
238 ($377)$126$251$37,768
239 ($377)$125$252$37,516
240 ($377)$124$253$37,264
Year 21 - 241 ($377)$123$253$37,010
242 ($377)$122$254$36,756
243 ($377)$122$255$36,501
244 ($377)$121$256$36,245
245 ($377)$120$257$35,988
246 ($377)$119$258$35,730
247 ($377)$118$259$35,472
248 ($377)$117$259$35,212
249 ($377)$116$260$34,952
250 ($377)$116$261$34,691
251 ($377)$115$262$34,429
252 ($377)$114$263$34,166
Year 22 - 253 ($377)$113$264$33,902
254 ($377)$112$265$33,638
255 ($377)$111$265$33,372
256 ($377)$110$266$33,106
257 ($377)$110$267$32,839
258 ($377)$109$268$32,571
259 ($377)$108$269$32,302
260 ($377)$107$270$32,032
261 ($377)$106$271$31,761
262 ($377)$105$272$31,489
263 ($377)$104$273$31,217
264 ($377)$103$273$30,943
Year 23 - 265 ($377)$102$274$30,669
266 ($377)$101$275$30,394
267 ($377)$101$276$30,117
268 ($377)$100$277$29,840
269 ($377)$99$278$29,562
270 ($377)$98$279$29,283
271 ($377)$97$280$29,003
272 ($377)$96$281$28,723
273 ($377)$95$282$28,441
274 ($377)$94$283$28,158
275 ($377)$93$284$27,875
276 ($377)$92$285$27,590
Year 24 - 277 ($377)$91$285$27,305
278 ($377)$90$286$27,018
279 ($377)$89$287$26,731
280 ($377)$88$288$26,443
281 ($377)$87$289$26,153
282 ($377)$87$290$25,863
283 ($377)$86$291$25,572
284 ($377)$85$292$25,280
285 ($377)$84$293$24,987
286 ($377)$83$294$24,693
287 ($377)$82$295$24,398
288 ($377)$81$296$24,102
Year 25 - 289 ($377)$80$297$23,805
290 ($377)$79$298$23,507
291 ($377)$78$299$23,208
292 ($377)$77$300$22,908
293 ($377)$76$301$22,607
294 ($377)$75$302$22,305
295 ($377)$74$303$22,002
296 ($377)$73$304$21,698
297 ($377)$72$305$21,393
298 ($377)$71$306$21,087
299 ($377)$70$307$20,780
300 ($377)$69$308$20,472
Year 26 - 301 ($377)$68$309$20,163
302 ($377)$67$310$19,853
303 ($377)$66$311$19,542
304 ($377)$65$312$19,230
305 ($377)$64$313$18,917
306 ($377)$63$314$18,602
307 ($377)$62$315$18,287
308 ($377)$61$316$17,971
309 ($377)$59$317$17,654
310 ($377)$58$318$17,335
311 ($377)$57$319$17,016
312 ($377)$56$320$16,695
Year 27 - 313 ($377)$55$322$16,374
314 ($377)$54$323$16,051
315 ($377)$53$324$15,728
316 ($377)$52$325$15,403
317 ($377)$51$326$15,077
318 ($377)$50$327$14,750
319 ($377)$49$328$14,422
320 ($377)$48$329$14,093
321 ($377)$47$330$13,763
322 ($377)$46$331$13,432
323 ($377)$44$332$13,100
324 ($377)$43$333$12,766
Year 28 - 325 ($377)$42$335$12,432
326 ($377)$41$336$12,096
327 ($377)$40$337$11,760
328 ($377)$39$338$11,422
329 ($377)$38$339$11,083
330 ($377)$37$340$10,743
331 ($377)$36$341$10,401
332 ($377)$34$342$10,059
333 ($377)$33$343$9,716
334 ($377)$32$345$9,371
335 ($377)$31$346$9,025
336 ($377)$30$347$8,678
Year 29 - 337 ($377)$29$348$8,330
338 ($377)$28$349$7,981
339 ($377)$26$350$7,631
340 ($377)$25$351$7,279
341 ($377)$24$353$6,927
342 ($377)$23$354$6,573
343 ($377)$22$355$6,218
344 ($377)$21$356$5,862
345 ($377)$19$357$5,504
346 ($377)$18$359$5,146
347 ($377)$17$360$4,786
348 ($377)$16$361$4,425
Year 30 - 349 ($377)$15$362$4,063
350 ($377)$13$363$3,700
351 ($377)$12$365$3,335
352 ($377)$11$366$2,970
353 ($377)$10$367$2,603
354 ($377)$9$368$2,235
355 ($377)$7$369$1,865
356 ($377)$6$371$1,495
357 ($377)$5$372$1,123
358 ($377)$4$373$750
359 ($377)$2$374$376
360 ($377)$1$376$0
TOTALS$56,428$79,200$135,628

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.