Home Mortgage Calculator

© 2007-2018 Vertex42 LLC

Borrower: Lender: Home Mortgage Calculator
[Address, City, ST ZIP] [Address, City, ST ZIP]
Phone: [Phone] Phone: [Phone]

Mortgage Information Balance at a Specified Year

Loan Amount 150,000.00 Balance at Year … 5
Annual Interest Rate 5.50% Date 12/1/2022
Term Length (in Years) 30 Interest Paid 39,791.91
First Payment Date 1/1/2018 Principal Paid 11,308.89
Compound Period Monthly Outstanding Balance 138,691.11
Payment Frequency Monthly [42]

Monthly Payment 851.68 Summary

Years Until Paid Off 30
Home Value or Price 150,000.00 Number of Payments 360
Yearly Property Taxes 2,700.00 Last Payment Date 12/1/2047
Yearly H.O. Insurance 600.00 Total Payments 306,607.75
Monthly PMI 80.00 Total Interest 156,607.75
PITI Payment 1,206.68
Fixed-Rate or ARM
Extra Payments Variable or Fixed Rate Fixed Rate
Start at Payment No 1 Years Rate Remains Fixed 3
Extra Payment $ - Interest Rate Cap 12.00%
Payment Interval 1 Interest Rate Minimum 4.00%
Extra Annual Payment $ - Periods Between Adjustments 12
Payment # (1-12) 1 Estimated Adjustment 0.25%
Total Extra Payments - Highest Monthly Payment 854.63
Interest Savings 0.00

6.0% Interest Rate History

160,000 No Extra Payments
Balance
5.0%
140,000 4.0%
120,000 Totals Assuming No Extra Payments 3.0%

100,000 Total Payments $306,608 2.0%

Total Interest $156,608 1.0% Payment #
80,000 0.0%
Periods Per Year 12
60,000 0 50 100 150 200 250 300 350 400

40,000
20,000
0
Tax Deduction
Tax Bracket 25.00%
9/1/2024

1/1/2038
1/1/2018
9/1/2019
5/1/2021
1/1/2023

5/1/2026
1/1/2028
9/1/2029
5/1/2031
1/1/2033
9/1/2034
5/1/2036

9/1/2039
5/1/2041
1/1/2043
9/1/2044
5/1/2046

Effective Rate 4.125%

Tax Returned 39,152

Payment Schedule [42]

Payment Interest Interest Payment Extra Additional Principal Cmltv Tax
No. Date Year Rate Due Due Payments Payment Paid Balance Tax Returned Returned
0 $150,000.00
1 1/1/2018 5.500% 687.50 851.68 0.00 164.18 149,835.82 171.88 171.88
2 2/1/2018 5.500% 686.75 851.68 0.00 164.93 149,670.89 171.69 343.56
3 3/1/2018 5.500% 685.99 851.68 0.00 165.69 149,505.20 171.50 515.06
4 4/1/2018 5.500% 685.23 851.68 0.00 166.45 149,338.75 171.31 686.37
5 5/1/2018 5.500% 684.47 851.68 0.00 167.21 149,171.54 171.12 857.49
6 6/1/2018 5.500% 683.70 851.68 0.00 167.98 149,003.56 170.93 1,028.41
7 7/1/2018 5.500% 682.93 851.68 0.00 168.75 148,834.81 170.73 1,199.14
8 8/1/2018 5.500% 682.16 851.68 0.00 169.52 148,665.29 170.54 1,369.68
9 9/1/2018 5.500% 681.38 851.68 0.00 170.30 148,494.99 170.35 1,540.03
10 10/1/2018 5.500% 680.60 851.68 0.00 171.08 148,323.91 170.15 1,710.18
11 11/1/2018 5.500% 679.82 851.68 0.00 171.86 148,152.05 169.96 1,880.13
12 12/1/2018 1 5.500% 679.03 851.68 0.00 172.65 147,979.40 169.76 2,049.89
13 1/1/2019 5.500% 678.24 851.68 0.00 173.44 147,805.96 169.56 2,219.45
14 2/1/2019 5.500% 677.44 851.68 0.00 174.24 147,631.72 169.36 2,388.81
15 3/1/2019 5.500% 676.65 851.68 0.00 175.03 147,456.69 169.16 2,557.97
16 4/1/2019 5.500% 675.84 851.68 0.00 175.84 147,280.85 168.96 2,726.93
17 5/1/2019 5.500% 675.04 851.68 0.00 176.64 147,104.21 168.76 2,895.69
18 6/1/2019 5.500% 674.23 851.68 0.00 177.45 146,926.76 168.56 3,064.25
19 7/1/2019 5.500% 673.41 851.68 0.00 178.27 146,748.49 168.35 3,232.60
20 8/1/2019 5.500% 672.60 851.68 0.00 179.08 146,569.41 168.15 3,400.75
21 9/1/2019 5.500% 671.78 851.68 0.00 179.90 146,389.51 167.95 3,568.70
22 10/1/2019 5.500% 670.95 851.68 0.00 180.73 146,208.78 167.74 3,736.44
23 11/1/2019 5.500% 670.12 851.68 0.00 181.56 146,027.22 167.53 3,903.97
24 12/1/2019 2 5.500% 669.29 851.68 0.00 182.39 145,844.83 167.32 4,071.29
25 1/1/2020 5.500% 668.46 851.68 0.00 183.22 145,661.61 167.12 4,238.40
26 2/1/2020 5.500% 667.62 851.68 0.00 184.06 145,477.55 166.91 4,405.31
27 3/1/2020 5.500% 666.77 851.68 0.00 184.91 145,292.64 166.69 4,572.00
28 4/1/2020 5.500% 665.92 851.68 0.00 185.76 145,106.88 166.48 4,738.48

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 Payment Interest Interest Payment Extra Additional Principal Cmltv Tax
No. Date Year Rate Due Due Payments Payment Paid Balance Tax Returned Returned
29 5/1/2020 5.500% 665.07 851.68 0.00 186.61 144,920.27 166.27 4,904.75
30 6/1/2020 5.500% 664.22 851.68 0.00 187.46 144,732.81 166.06 5,070.80
31 7/1/2020 5.500% 663.36 851.68 0.00 188.32 144,544.49 165.84 5,236.64
32 8/1/2020 5.500% 662.50 851.68 0.00 189.18 144,355.31 165.63 5,402.27
33 9/1/2020 5.500% 661.63 851.68 0.00 190.05 144,165.26 165.41 5,567.68
34 10/1/2020 5.500% 660.76 851.68 0.00 190.92 143,974.34 165.19 5,732.87
35 11/1/2020 5.500% 659.88 851.68 0.00 191.80 143,782.54 164.97 5,897.84
36 12/1/2020 3 5.500% 659.00 851.68 0.00 192.68 143,589.86 164.75 6,062.59
37 1/1/2021 5.500% 658.12 851.68 0.00 193.56 143,396.30 164.53 6,227.12
38 2/1/2021 5.500% 657.23 851.68 0.00 194.45 143,201.85 164.31 6,391.42
39 3/1/2021 5.500% 656.34 851.68 0.00 195.34 143,006.51 164.09 6,555.51
40 4/1/2021 5.500% 655.45 851.68 0.00 196.23 142,810.28 163.86 6,719.37
41 5/1/2021 5.500% 654.55 851.68 0.00 197.13 142,613.15 163.64 6,883.01
42 6/1/2021 5.500% 653.64 851.68 0.00 198.04 142,415.11 163.41 7,046.42
43 7/1/2021 5.500% 652.74 851.68 0.00 198.94 142,216.17 163.19 7,209.60
44 8/1/2021 5.500% 651.82 851.68 0.00 199.86 142,016.31 162.96 7,372.56
45 9/1/2021 5.500% 650.91 851.68 0.00 200.77 141,815.54 162.73 7,535.29
46 10/1/2021 5.500% 649.99 851.68 0.00 201.69 141,613.85 162.50 7,697.78
47 11/1/2021 5.500% 649.06 851.68 0.00 202.62 141,411.23 162.27 7,860.05
48 12/1/2021 4 5.500% 648.13 851.68 0.00 203.55 141,207.68 162.03 8,022.08
49 1/1/2022 5.500% 647.20 851.68 0.00 204.48 141,003.20 161.80 8,183.88
50 2/1/2022 5.500% 646.26 851.68 0.00 205.42 140,797.78 161.57 8,345.45
51 3/1/2022 5.500% 645.32 851.68 0.00 206.36 140,591.42 161.33 8,506.78
52 4/1/2022 5.500% 644.38 851.68 0.00 207.30 140,384.12 161.10 8,667.87
53 5/1/2022 5.500% 643.43 851.68 0.00 208.25 140,175.87 160.86 8,828.73
54 6/1/2022 5.500% 642.47 851.68 0.00 209.21 139,966.66 160.62 8,989.35
55 7/1/2022 5.500% 641.51 851.68 0.00 210.17 139,756.49 160.38 9,149.72
56 8/1/2022 5.500% 640.55 851.68 0.00 211.13 139,545.36 160.14 9,309.86
57 9/1/2022 5.500% 639.58 851.68 0.00 212.10 139,333.26 159.90 9,469.76
58 10/1/2022 5.500% 638.61 851.68 0.00 213.07 139,120.19 159.65 9,629.41
59 11/1/2022 5.500% 637.63 851.68 0.00 214.05 138,906.14 159.41 9,788.82
60 12/1/2022 5 5.500% 636.65 851.68 0.00 215.03 138,691.11 159.16 9,947.98
61 1/1/2023 5.500% 635.67 851.68 0.00 216.01 138,475.10 158.92 10,106.90
62 2/1/2023 5.500% 634.68 851.68 0.00 217.00 138,258.10 158.67 10,265.57
63 3/1/2023 5.500% 633.68 851.68 0.00 218.00 138,040.10 158.42 10,423.99
64 4/1/2023 5.500% 632.68 851.68 0.00 219.00 137,821.10 158.17 10,582.16
65 5/1/2023 5.500% 631.68 851.68 0.00 220.00 137,601.10 157.92 10,740.08
66 6/1/2023 5.500% 630.67 851.68 0.00 221.01 137,380.09 157.67 10,897.74
67 7/1/2023 5.500% 629.66 851.68 0.00 222.02 137,158.07 157.42 11,055.16
68 8/1/2023 5.500% 628.64 851.68 0.00 223.04 136,935.03 157.16 11,212.32
69 9/1/2023 5.500% 627.62 851.68 0.00 224.06 136,710.97 156.91 11,369.22
70 10/1/2023 5.500% 626.59 851.68 0.00 225.09 136,485.88 156.65 11,525.87
71 11/1/2023 5.500% 625.56 851.68 0.00 226.12 136,259.76 156.39 11,682.26
72 12/1/2023 6 5.500% 624.52 851.68 0.00 227.16 136,032.60 156.13 11,838.39
73 1/1/2024 5.500% 623.48 851.68 0.00 228.20 135,804.40 155.87 11,994.26
74 2/1/2024 5.500% 622.44 851.68 0.00 229.24 135,575.16 155.61 12,149.87
75 3/1/2024 5.500% 621.39 851.68 0.00 230.29 135,344.87 155.35 12,305.22
76 4/1/2024 5.500% 620.33 851.68 0.00 231.35 135,113.52 155.08 12,460.30
77 5/1/2024 5.500% 619.27 851.68 0.00 232.41 134,881.11 154.82 12,615.12
78 6/1/2024 5.500% 618.21 851.68 0.00 233.47 134,647.64 154.55 12,769.67
79 7/1/2024 5.500% 617.14 851.68 0.00 234.54 134,413.10 154.29 12,923.96
80 8/1/2024 5.500% 616.06 851.68 0.00 235.62 134,177.48 154.02 13,077.97
81 9/1/2024 5.500% 614.98 851.68 0.00 236.70 133,940.78 153.75 13,231.72
82 10/1/2024 5.500% 613.90 851.68 0.00 237.78 133,703.00 153.48 13,385.19
83 11/1/2024 5.500% 612.81 851.68 0.00 238.87 133,464.13 153.20 13,538.39
84 12/1/2024 7 5.500% 611.71 851.68 0.00 239.97 133,224.16 152.93 13,691.32
85 1/1/2025 5.500% 610.61 851.68 0.00 241.07 132,983.09 152.65 13,843.97
86 2/1/2025 5.500% 609.51 851.68 0.00 242.17 132,740.92 152.38 13,996.35
87 3/1/2025 5.500% 608.40 851.68 0.00 243.28 132,497.64 152.10 14,148.45
88 4/1/2025 5.500% 607.28 851.68 0.00 244.40 132,253.24 151.82 14,300.27
89 5/1/2025 5.500% 606.16 851.68 0.00 245.52 132,007.72 151.54 14,451.81
90 6/1/2025 5.500% 605.04 851.68 0.00 246.64 131,761.08 151.26 14,603.07
91 7/1/2025 5.500% 603.90 851.68 0.00 247.78 131,513.30 150.98 14,754.05
92 8/1/2025 5.500% 602.77 851.68 0.00 248.91 131,264.39 150.69 14,904.74
93 9/1/2025 5.500% 601.63 851.68 0.00 250.05 131,014.34 150.41 15,055.15
94 10/1/2025 5.500% 600.48 851.68 0.00 251.20 130,763.14 150.12 15,205.27
95 11/1/2025 5.500% 599.33 851.68 0.00 252.35 130,510.79 149.83 15,355.10
96 12/1/2025 8 5.500% 598.17 851.68 0.00 253.51 130,257.28 149.54 15,504.64
97 1/1/2026 5.500% 597.01 851.68 0.00 254.67 130,002.61 149.25 15,653.89
98 2/1/2026 5.500% 595.85 851.68 0.00 255.83 129,746.78 148.96 15,802.86
99 3/1/2026 5.500% 594.67 851.68 0.00 257.01 129,489.77 148.67 15,951.52
100 4/1/2026 5.500% 593.49 851.68 0.00 258.19 129,231.58 148.37 16,099.90
101 5/1/2026 5.500% 592.31 851.68 0.00 259.37 128,972.21 148.08 16,247.97
102 6/1/2026 5.500% 591.12 851.68 0.00 260.56 128,711.65 147.78 16,395.75
103 7/1/2026 5.500% 589.93 851.68 0.00 261.75 128,449.90 147.48 16,543.24
104 8/1/2026 5.500% 588.73 851.68 0.00 262.95 128,186.95 147.18 16,690.42
105 9/1/2026 5.500% 587.52 851.68 0.00 264.16 127,922.79 146.88 16,837.30
106 10/1/2026 5.500% 586.31 851.68 0.00 265.37 127,657.42 146.58 16,983.88
107 11/1/2026 5.500% 585.10 851.68 0.00 266.58 127,390.84 146.28 17,130.15
108 12/1/2026 9 5.500% 583.87 851.68 0.00 267.81 127,123.03 145.97 17,276.12
109 1/1/2027 5.500% 582.65 851.68 0.00 269.03 126,854.00 145.66 17,421.78

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 Payment Interest Interest Payment Extra Additional Principal Cmltv Tax
No. Date Year Rate Due Due Payments Payment Paid Balance Tax Returned Returned
110 2/1/2027 5.500% 581.41 851.68 0.00 270.27 126,583.73 145.35 17,567.13
111 3/1/2027 5.500% 580.18 851.68 0.00 271.50 126,312.23 145.05 17,712.18
112 4/1/2027 5.500% 578.93 851.68 0.00 272.75 126,039.48 144.73 17,856.91
113 5/1/2027 5.500% 577.68 851.68 0.00 274.00 125,765.48 144.42 18,001.33
114 6/1/2027 5.500% 576.43 851.68 0.00 275.25 125,490.23 144.11 18,145.44
115 7/1/2027 5.500% 575.16 851.68 0.00 276.52 125,213.71 143.79 18,289.23
116 8/1/2027 5.500% 573.90 851.68 0.00 277.78 124,935.93 143.48 18,432.70
117 9/1/2027 5.500% 572.62 851.68 0.00 279.06 124,656.87 143.16 18,575.86
118 10/1/2027 5.500% 571.34 851.68 0.00 280.34 124,376.53 142.84 18,718.69
119 11/1/2027 5.500% 570.06 851.68 0.00 281.62 124,094.91 142.52 18,861.21
120 12/1/2027 10 5.500% 568.77 851.68 0.00 282.91 123,812.00 142.19 19,003.40
121 1/1/2028 5.500% 567.47 851.68 0.00 284.21 123,527.79 141.87 19,145.27
122 2/1/2028 5.500% 566.17 851.68 0.00 285.51 123,242.28 141.54 19,286.81
123 3/1/2028 5.500% 564.86 851.68 0.00 286.82 122,955.46 141.22 19,428.03
124 4/1/2028 5.500% 563.55 851.68 0.00 288.13 122,667.33 140.89 19,568.91
125 5/1/2028 5.500% 562.23 851.68 0.00 289.45 122,377.88 140.56 19,709.47
126 6/1/2028 5.500% 560.90 851.68 0.00 290.78 122,087.10 140.23 19,849.70
127 7/1/2028 5.500% 559.57 851.68 0.00 292.11 121,794.99 139.89 19,989.59
128 8/1/2028 5.500% 558.23 851.68 0.00 293.45 121,501.54 139.56 20,129.15
129 9/1/2028 5.500% 556.88 851.68 0.00 294.80 121,206.74 139.22 20,268.37
130 10/1/2028 5.500% 555.53 851.68 0.00 296.15 120,910.59 138.88 20,407.25
131 11/1/2028 5.500% 554.17 851.68 0.00 297.51 120,613.08 138.54 20,545.79
132 12/1/2028 11 5.500% 552.81 851.68 0.00 298.87 120,314.21 138.20 20,683.99
133 1/1/2029 5.500% 551.44 851.68 0.00 300.24 120,013.97 137.86 20,821.85
134 2/1/2029 5.500% 550.06 851.68 0.00 301.62 119,712.35 137.52 20,959.37
135 3/1/2029 5.500% 548.68 851.68 0.00 303.00 119,409.35 137.17 21,096.54
136 4/1/2029 5.500% 547.29 851.68 0.00 304.39 119,104.96 136.82 21,233.36
137 5/1/2029 5.500% 545.90 851.68 0.00 305.78 118,799.18 136.48 21,369.84
138 6/1/2029 5.500% 544.50 851.68 0.00 307.18 118,492.00 136.13 21,505.96
139 7/1/2029 5.500% 543.09 851.68 0.00 308.59 118,183.41 135.77 21,641.73
140 8/1/2029 5.500% 541.67 851.68 0.00 310.01 117,873.40 135.42 21,777.15
141 9/1/2029 5.500% 540.25 851.68 0.00 311.43 117,561.97 135.06 21,912.21
142 10/1/2029 5.500% 538.83 851.68 0.00 312.85 117,249.12 134.71 22,046.92
143 11/1/2029 5.500% 537.39 851.68 0.00 314.29 116,934.83 134.35 22,181.27
144 12/1/2029 12 5.500% 535.95 851.68 0.00 315.73 116,619.10 133.99 22,315.26
145 1/1/2030 5.500% 534.50 851.68 0.00 317.18 116,301.92 133.63 22,448.88
146 2/1/2030 5.500% 533.05 851.68 0.00 318.63 115,983.29 133.26 22,582.14
147 3/1/2030 5.500% 531.59 851.68 0.00 320.09 115,663.20 132.90 22,715.04
148 4/1/2030 5.500% 530.12 851.68 0.00 321.56 115,341.64 132.53 22,847.57
149 5/1/2030 5.500% 528.65 851.68 0.00 323.03 115,018.61 132.16 22,979.73
150 6/1/2030 5.500% 527.17 851.68 0.00 324.51 114,694.10 131.79 23,111.53
151 7/1/2030 5.500% 525.68 851.68 0.00 326.00 114,368.10 131.42 23,242.95
152 8/1/2030 5.500% 524.19 851.68 0.00 327.49 114,040.61 131.05 23,373.99
153 9/1/2030 5.500% 522.69 851.68 0.00 328.99 113,711.62 130.67 23,504.67
154 10/1/2030 5.500% 521.18 851.68 0.00 330.50 113,381.12 130.30 23,634.96
155 11/1/2030 5.500% 519.66 851.68 0.00 332.02 113,049.10 129.92 23,764.88
156 12/1/2030 13 5.500% 518.14 851.68 0.00 333.54 112,715.56 129.54 23,894.41
157 1/1/2031 5.500% 516.61 851.68 0.00 335.07 112,380.49 129.15 24,023.56
158 2/1/2031 5.500% 515.08 851.68 0.00 336.60 112,043.89 128.77 24,152.33
159 3/1/2031 5.500% 513.53 851.68 0.00 338.15 111,705.74 128.38 24,280.72
160 4/1/2031 5.500% 511.98 851.68 0.00 339.70 111,366.04 128.00 24,408.71
161 5/1/2031 5.500% 510.43 851.68 0.00 341.25 111,024.79 127.61 24,536.32
162 6/1/2031 5.500% 508.86 851.68 0.00 342.82 110,681.97 127.22 24,663.53
163 7/1/2031 5.500% 507.29 851.68 0.00 344.39 110,337.58 126.82 24,790.36
164 8/1/2031 5.500% 505.71 851.68 0.00 345.97 109,991.61 126.43 24,916.78
165 9/1/2031 5.500% 504.13 851.68 0.00 347.55 109,644.06 126.03 25,042.82
166 10/1/2031 5.500% 502.54 851.68 0.00 349.14 109,294.92 125.64 25,168.45
167 11/1/2031 5.500% 500.94 851.68 0.00 350.74 108,944.18 125.24 25,293.69
168 12/1/2031 14 5.500% 499.33 851.68 0.00 352.35 108,591.83 124.83 25,418.52
169 1/1/2032 5.500% 497.71 851.68 0.00 353.97 108,237.86 124.43 25,542.95
170 2/1/2032 5.500% 496.09 851.68 0.00 355.59 107,882.27 124.02 25,666.97
171 3/1/2032 5.500% 494.46 851.68 0.00 357.22 107,525.05 123.62 25,790.58
172 4/1/2032 5.500% 492.82 851.68 0.00 358.86 107,166.19 123.21 25,913.79
173 5/1/2032 5.500% 491.18 851.68 0.00 360.50 106,805.69 122.80 26,036.58
174 6/1/2032 5.500% 489.53 851.68 0.00 362.15 106,443.54 122.38 26,158.97
175 7/1/2032 5.500% 487.87 851.68 0.00 363.81 106,079.73 121.97 26,280.93
176 8/1/2032 5.500% 486.20 851.68 0.00 365.48 105,714.25 121.55 26,402.48
177 9/1/2032 5.500% 484.52 851.68 0.00 367.16 105,347.09 121.13 26,523.61
178 10/1/2032 5.500% 482.84 851.68 0.00 368.84 104,978.25 120.71 26,644.32
179 11/1/2032 5.500% 481.15 851.68 0.00 370.53 104,607.72 120.29 26,764.61
180 12/1/2032 15 5.500% 479.45 851.68 0.00 372.23 104,235.49 119.86 26,884.47
181 1/1/2033 5.500% 477.75 851.68 0.00 373.93 103,861.56 119.44 27,003.91
182 2/1/2033 5.500% 476.03 851.68 0.00 375.65 103,485.91 119.01 27,122.92
183 3/1/2033 5.500% 474.31 851.68 0.00 377.37 103,108.54 118.58 27,241.50
184 4/1/2033 5.500% 472.58 851.68 0.00 379.10 102,729.44 118.15 27,359.64
185 5/1/2033 5.500% 470.84 851.68 0.00 380.84 102,348.60 117.71 27,477.35
186 6/1/2033 5.500% 469.10 851.68 0.00 382.58 101,966.02 117.28 27,594.63
187 7/1/2033 5.500% 467.34 851.68 0.00 384.34 101,581.68 116.84 27,711.46
188 8/1/2033 5.500% 465.58 851.68 0.00 386.10 101,195.58 116.40 27,827.86
189 9/1/2033 5.500% 463.81 851.68 0.00 387.87 100,807.71 115.95 27,943.81
190 10/1/2033 5.500% 462.04 851.68 0.00 389.64 100,418.07 115.51 28,059.32

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 Payment Interest Interest Payment Extra Additional Principal Cmltv Tax
No. Date Year Rate Due Due Payments Payment Paid Balance Tax Returned Returned
191 11/1/2033 5.500% 460.25 851.68 0.00 391.43 100,026.64 115.06 28,174.38
192 12/1/2033 16 5.500% 458.46 851.68 0.00 393.22 99,633.42 114.62 28,289.00
193 1/1/2034 5.500% 456.65 851.68 0.00 395.03 99,238.39 114.16 28,403.16
194 2/1/2034 5.500% 454.84 851.68 0.00 396.84 98,841.55 113.71 28,516.87
195 3/1/2034 5.500% 453.02 851.68 0.00 398.66 98,442.89 113.26 28,630.12
196 4/1/2034 5.500% 451.20 851.68 0.00 400.48 98,042.41 112.80 28,742.92
197 5/1/2034 5.500% 449.36 851.68 0.00 402.32 97,640.09 112.34 28,855.26
198 6/1/2034 5.500% 447.52 851.68 0.00 404.16 97,235.93 111.88 28,967.14
199 7/1/2034 5.500% 445.66 851.68 0.00 406.02 96,829.91 111.42 29,078.56
200 8/1/2034 5.500% 443.80 851.68 0.00 407.88 96,422.03 110.95 29,189.51
201 9/1/2034 5.500% 441.93 851.68 0.00 409.75 96,012.28 110.48 29,299.99
202 10/1/2034 5.500% 440.06 851.68 0.00 411.62 95,600.66 110.02 29,410.01
203 11/1/2034 5.500% 438.17 851.68 0.00 413.51 95,187.15 109.54 29,519.55
204 12/1/2034 17 5.500% 436.27 851.68 0.00 415.41 94,771.74 109.07 29,628.62
205 1/1/2035 5.500% 434.37 851.68 0.00 417.31 94,354.43 108.59 29,737.21
206 2/1/2035 5.500% 432.46 851.68 0.00 419.22 93,935.21 108.12 29,845.32
207 3/1/2035 5.500% 430.54 851.68 0.00 421.14 93,514.07 107.64 29,952.96
208 4/1/2035 5.500% 428.61 851.68 0.00 423.07 93,091.00 107.15 30,060.11
209 5/1/2035 5.500% 426.67 851.68 0.00 425.01 92,665.99 106.67 30,166.78
210 6/1/2035 5.500% 424.72 851.68 0.00 426.96 92,239.03 106.18 30,272.96
211 7/1/2035 5.500% 422.76 851.68 0.00 428.92 91,810.11 105.69 30,378.65
212 8/1/2035 5.500% 420.80 851.68 0.00 430.88 91,379.23 105.20 30,483.85
213 9/1/2035 5.500% 418.82 851.68 0.00 432.86 90,946.37 104.71 30,588.55
214 10/1/2035 5.500% 416.84 851.68 0.00 434.84 90,511.53 104.21 30,692.76
215 11/1/2035 5.500% 414.84 851.68 0.00 436.84 90,074.69 103.71 30,796.47
216 12/1/2035 18 5.500% 412.84 851.68 0.00 438.84 89,635.85 103.21 30,899.68
217 1/1/2036 5.500% 410.83 851.68 0.00 440.85 89,195.00 102.71 31,002.39
218 2/1/2036 5.500% 408.81 851.68 0.00 442.87 88,752.13 102.20 31,104.59
219 3/1/2036 5.500% 406.78 851.68 0.00 444.90 88,307.23 101.70 31,206.29
220 4/1/2036 5.500% 404.74 851.68 0.00 446.94 87,860.29 101.19 31,307.47
221 5/1/2036 5.500% 402.69 851.68 0.00 448.99 87,411.30 100.67 31,408.15
222 6/1/2036 5.500% 400.64 851.68 0.00 451.04 86,960.26 100.16 31,508.31
223 7/1/2036 5.500% 398.57 851.68 0.00 453.11 86,507.15 99.64 31,607.95
224 8/1/2036 5.500% 396.49 851.68 0.00 455.19 86,051.96 99.12 31,707.07
225 9/1/2036 5.500% 394.40 851.68 0.00 457.28 85,594.68 98.60 31,805.67
226 10/1/2036 5.500% 392.31 851.68 0.00 459.37 85,135.31 98.08 31,903.75
227 11/1/2036 5.500% 390.20 851.68 0.00 461.48 84,673.83 97.55 32,001.30
228 12/1/2036 19 5.500% 388.09 851.68 0.00 463.59 84,210.24 97.02 32,098.32
229 1/1/2037 5.500% 385.96 851.68 0.00 465.72 83,744.52 96.49 32,194.81
230 2/1/2037 5.500% 383.83 851.68 0.00 467.85 83,276.67 95.96 32,290.77
231 3/1/2037 5.500% 381.68 851.68 0.00 470.00 82,806.67 95.42 32,386.19
232 4/1/2037 5.500% 379.53 851.68 0.00 472.15 82,334.52 94.88 32,481.07
233 5/1/2037 5.500% 377.37 851.68 0.00 474.31 81,860.21 94.34 32,575.41
234 6/1/2037 5.500% 375.19 851.68 0.00 476.49 81,383.72 93.80 32,669.21
235 7/1/2037 5.500% 373.01 851.68 0.00 478.67 80,905.05 93.25 32,762.46
236 8/1/2037 5.500% 370.81 851.68 0.00 480.87 80,424.18 92.70 32,855.17
237 9/1/2037 5.500% 368.61 851.68 0.00 483.07 79,941.11 92.15 32,947.32
238 10/1/2037 5.500% 366.40 851.68 0.00 485.28 79,455.83 91.60 33,038.92
239 11/1/2037 5.500% 364.17 851.68 0.00 487.51 78,968.32 91.04 33,129.96
240 12/1/2037 20 5.500% 361.94 851.68 0.00 489.74 78,478.58 90.49 33,220.45
241 1/1/2038 5.500% 359.69 851.68 0.00 491.99 77,986.59 89.92 33,310.37
242 2/1/2038 5.500% 357.44 851.68 0.00 494.24 77,492.35 89.36 33,399.73
243 3/1/2038 5.500% 355.17 851.68 0.00 496.51 76,995.84 88.79 33,488.52
244 4/1/2038 5.500% 352.90 851.68 0.00 498.78 76,497.06 88.23 33,576.75
245 5/1/2038 5.500% 350.61 851.68 0.00 501.07 75,995.99 87.65 33,664.40
246 6/1/2038 5.500% 348.31 851.68 0.00 503.37 75,492.62 87.08 33,751.48
247 7/1/2038 5.500% 346.01 851.68 0.00 505.67 74,986.95 86.50 33,837.98
248 8/1/2038 5.500% 343.69 851.68 0.00 507.99 74,478.96 85.92 33,923.90
249 9/1/2038 5.500% 341.36 851.68 0.00 510.32 73,968.64 85.34 34,009.24
250 10/1/2038 5.500% 339.02 851.68 0.00 512.66 73,455.98 84.76 34,094.00
251 11/1/2038 5.500% 336.67 851.68 0.00 515.01 72,940.97 84.17 34,178.16
252 12/1/2038 21 5.500% 334.31 851.68 0.00 517.37 72,423.60 83.58 34,261.74
253 1/1/2039 5.500% 331.94 851.68 0.00 519.74 71,903.86 82.99 34,344.73
254 2/1/2039 5.500% 329.56 851.68 0.00 522.12 71,381.74 82.39 34,427.12
255 3/1/2039 5.500% 327.17 851.68 0.00 524.51 70,857.23 81.79 34,508.91
256 4/1/2039 5.500% 324.76 851.68 0.00 526.92 70,330.31 81.19 34,590.10
257 5/1/2039 5.500% 322.35 851.68 0.00 529.33 69,800.98 80.59 34,670.69
258 6/1/2039 5.500% 319.92 851.68 0.00 531.76 69,269.22 79.98 34,750.67
259 7/1/2039 5.500% 317.48 851.68 0.00 534.20 68,735.02 79.37 34,830.04
260 8/1/2039 5.500% 315.04 851.68 0.00 536.64 68,198.38 78.76 34,908.80
261 9/1/2039 5.500% 312.58 851.68 0.00 539.10 67,659.28 78.15 34,986.94
262 10/1/2039 5.500% 310.11 851.68 0.00 541.57 67,117.71 77.53 35,064.47
263 11/1/2039 5.500% 307.62 851.68 0.00 544.06 66,573.65 76.91 35,141.37
264 12/1/2039 22 5.500% 305.13 851.68 0.00 546.55 66,027.10 76.28 35,217.66
265 1/1/2040 5.500% 302.62 851.68 0.00 549.06 65,478.04 75.66 35,293.31
266 2/1/2040 5.500% 300.11 851.68 0.00 551.57 64,926.47 75.03 35,368.34
267 3/1/2040 5.500% 297.58 851.68 0.00 554.10 64,372.37 74.40 35,442.73
268 4/1/2040 5.500% 295.04 851.68 0.00 556.64 63,815.73 73.76 35,516.49
269 5/1/2040 5.500% 292.49 851.68 0.00 559.19 63,256.54 73.12 35,589.62
270 6/1/2040 5.500% 289.93 851.68 0.00 561.75 62,694.79 72.48 35,662.10
271 7/1/2040 5.500% 287.35 851.68 0.00 564.33 62,130.46 71.84 35,733.94

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 Payment Interest Interest Payment Extra Additional Principal Cmltv Tax
No. Date Year Rate Due Due Payments Payment Paid Balance Tax Returned Returned
272 8/1/2040 5.500% 284.76 851.68 0.00 566.92 61,563.54 71.19 35,805.13
273 9/1/2040 5.500% 282.17 851.68 0.00 569.51 60,994.03 70.54 35,875.67
274 10/1/2040 5.500% 279.56 851.68 0.00 572.12 60,421.91 69.89 35,945.56
275 11/1/2040 5.500% 276.93 851.68 0.00 574.75 59,847.16 69.23 36,014.79
276 12/1/2040 23 5.500% 274.30 851.68 0.00 577.38 59,269.78 68.58 36,083.37
277 1/1/2041 5.500% 271.65 851.68 0.00 580.03 58,689.75 67.91 36,151.28
278 2/1/2041 5.500% 268.99 851.68 0.00 582.69 58,107.06 67.25 36,218.53
279 3/1/2041 5.500% 266.32 851.68 0.00 585.36 57,521.70 66.58 36,285.11
280 4/1/2041 5.500% 263.64 851.68 0.00 588.04 56,933.66 65.91 36,351.02
281 5/1/2041 5.500% 260.95 851.68 0.00 590.73 56,342.93 65.24 36,416.25
282 6/1/2041 5.500% 258.24 851.68 0.00 593.44 55,749.49 64.56 36,480.81
283 7/1/2041 5.500% 255.52 851.68 0.00 596.16 55,153.33 63.88 36,544.69
284 8/1/2041 5.500% 252.79 851.68 0.00 598.89 54,554.44 63.20 36,607.89
285 9/1/2041 5.500% 250.04 851.68 0.00 601.64 53,952.80 62.51 36,670.40
286 10/1/2041 5.500% 247.28 851.68 0.00 604.40 53,348.40 61.82 36,732.22
287 11/1/2041 5.500% 244.51 851.68 0.00 607.17 52,741.23 61.13 36,793.35
288 12/1/2041 24 5.500% 241.73 851.68 0.00 609.95 52,131.28 60.43 36,853.78
289 1/1/2042 5.500% 238.94 851.68 0.00 612.74 51,518.54 59.74 36,913.52
290 2/1/2042 5.500% 236.13 851.68 0.00 615.55 50,902.99 59.03 36,972.55
291 3/1/2042 5.500% 233.31 851.68 0.00 618.37 50,284.62 58.33 37,030.88
292 4/1/2042 5.500% 230.47 851.68 0.00 621.21 49,663.41 57.62 37,088.49
293 5/1/2042 5.500% 227.62 851.68 0.00 624.06 49,039.35 56.91 37,145.40
294 6/1/2042 5.500% 224.76 851.68 0.00 626.92 48,412.43 56.19 37,201.59
295 7/1/2042 5.500% 221.89 851.68 0.00 629.79 47,782.64 55.47 37,257.06
296 8/1/2042 5.500% 219.00 851.68 0.00 632.68 47,149.96 54.75 37,311.81
297 9/1/2042 5.500% 216.10 851.68 0.00 635.58 46,514.38 54.03 37,365.84
298 10/1/2042 5.500% 213.19 851.68 0.00 638.49 45,875.89 53.30 37,419.13
299 11/1/2042 5.500% 210.26 851.68 0.00 641.42 45,234.47 52.57 37,471.70
300 12/1/2042 25 5.500% 207.32 851.68 0.00 644.36 44,590.11 51.83 37,523.53
301 1/1/2043 5.500% 204.37 851.68 0.00 647.31 43,942.80 51.09 37,574.62
302 2/1/2043 5.500% 201.40 851.68 0.00 650.28 43,292.52 50.35 37,624.97
303 3/1/2043 5.500% 198.42 851.68 0.00 653.26 42,639.26 49.61 37,674.58
304 4/1/2043 5.500% 195.43 851.68 0.00 656.25 41,983.01 48.86 37,723.43
305 5/1/2043 5.500% 192.42 851.68 0.00 659.26 41,323.75 48.11 37,771.54
306 6/1/2043 5.500% 189.40 851.68 0.00 662.28 40,661.47 47.35 37,818.89
307 7/1/2043 5.500% 186.37 851.68 0.00 665.31 39,996.16 46.59 37,865.48
308 8/1/2043 5.500% 183.32 851.68 0.00 668.36 39,327.80 45.83 37,911.31
309 9/1/2043 5.500% 180.25 851.68 0.00 671.43 38,656.37 45.06 37,956.37
310 10/1/2043 5.500% 177.18 851.68 0.00 674.50 37,981.87 44.30 38,000.67
311 11/1/2043 5.500% 174.08 851.68 0.00 677.60 37,304.27 43.52 38,044.19
312 12/1/2043 26 5.500% 170.98 851.68 0.00 680.70 36,623.57 42.75 38,086.93
313 1/1/2044 5.500% 167.86 851.68 0.00 683.82 35,939.75 41.97 38,128.90
314 2/1/2044 5.500% 164.72 851.68 0.00 686.96 35,252.79 41.18 38,170.08
315 3/1/2044 5.500% 161.58 851.68 0.00 690.10 34,562.69 40.40 38,210.47
316 4/1/2044 5.500% 158.41 851.68 0.00 693.27 33,869.42 39.60 38,250.08
317 5/1/2044 5.500% 155.23 851.68 0.00 696.45 33,172.97 38.81 38,288.88
318 6/1/2044 5.500% 152.04 851.68 0.00 699.64 32,473.33 38.01 38,326.89
319 7/1/2044 5.500% 148.84 851.68 0.00 702.84 31,770.49 37.21 38,364.10
320 8/1/2044 5.500% 145.61 851.68 0.00 706.07 31,064.42 36.40 38,400.51
321 9/1/2044 5.500% 142.38 851.68 0.00 709.30 30,355.12 35.60 38,436.10
322 10/1/2044 5.500% 139.13 851.68 0.00 712.55 29,642.57 34.78 38,470.88
323 11/1/2044 5.500% 135.86 851.68 0.00 715.82 28,926.75 33.97 38,504.85
324 12/1/2044 27 5.500% 132.58 851.68 0.00 719.10 28,207.65 33.15 38,537.99
325 1/1/2045 5.500% 129.29 851.68 0.00 722.39 27,485.26 32.32 38,570.32
326 2/1/2045 5.500% 125.97 851.68 0.00 725.71 26,759.55 31.49 38,601.81
327 3/1/2045 5.500% 122.65 851.68 0.00 729.03 26,030.52 30.66 38,632.47
328 4/1/2045 5.500% 119.31 851.68 0.00 732.37 25,298.15 29.83 38,662.30
329 5/1/2045 5.500% 115.95 851.68 0.00 735.73 24,562.42 28.99 38,691.29
330 6/1/2045 5.500% 112.58 851.68 0.00 739.10 23,823.32 28.15 38,719.43
331 7/1/2045 5.500% 109.19 851.68 0.00 742.49 23,080.83 27.30 38,746.73
332 8/1/2045 5.500% 105.79 851.68 0.00 745.89 22,334.94 26.45 38,773.18
333 9/1/2045 5.500% 102.37 851.68 0.00 749.31 21,585.63 25.59 38,798.77
334 10/1/2045 5.500% 98.93 851.68 0.00 752.75 20,832.88 24.73 38,823.50
335 11/1/2045 5.500% 95.48 851.68 0.00 756.20 20,076.68 23.87 38,847.37
336 12/1/2045 28 5.500% 92.02 851.68 0.00 759.66 19,317.02 23.01 38,870.38
337 1/1/2046 5.500% 88.54 851.68 0.00 763.14 18,553.88 22.14 38,892.51
338 2/1/2046 5.500% 85.04 851.68 0.00 766.64 17,787.24 21.26 38,913.77
339 3/1/2046 5.500% 81.52 851.68 0.00 770.16 17,017.08 20.38 38,934.15
340 4/1/2046 5.500% 77.99 851.68 0.00 773.69 16,243.39 19.50 38,953.65
341 5/1/2046 5.500% 74.45 851.68 0.00 777.23 15,466.16 18.61 38,972.26
342 6/1/2046 5.500% 70.89 851.68 0.00 780.79 14,685.37 17.72 38,989.98
343 7/1/2046 5.500% 67.31 851.68 0.00 784.37 13,901.00 16.83 39,006.81
344 8/1/2046 5.500% 63.71 851.68 0.00 787.97 13,113.03 15.93 39,022.74
345 9/1/2046 5.500% 60.10 851.68 0.00 791.58 12,321.45 15.03 39,037.76
346 10/1/2046 5.500% 56.47 851.68 0.00 795.21 11,526.24 14.12 39,051.88
347 11/1/2046 5.500% 52.83 851.68 0.00 798.85 10,727.39 13.21 39,065.09
348 12/1/2046 29 5.500% 49.17 851.68 0.00 802.51 9,924.88 12.29 39,077.38
349 1/1/2047 5.500% 45.49 851.68 0.00 806.19 9,118.69 11.37 39,088.75
350 2/1/2047 5.500% 41.79 851.68 0.00 809.89 8,308.80 10.45 39,099.20
351 3/1/2047 5.500% 38.08 851.68 0.00 813.60 7,495.20 9.52 39,108.72
352 4/1/2047 5.500% 34.35 851.68 0.00 817.33 6,677.87 8.59 39,117.31

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 Payment Interest Interest Payment Extra Additional Principal Cmltv Tax
No. Date Year Rate Due Due Payments Payment Paid Balance Tax Returned Returned
353 5/1/2047 5.500% 30.61 851.68 0.00 821.07 5,856.80 7.65 39,124.96
354 6/1/2047 5.500% 26.84 851.68 0.00 824.84 5,031.96 6.71 39,131.67
355 7/1/2047 5.500% 23.06 851.68 0.00 828.62 4,203.34 5.77 39,137.44
356 8/1/2047 5.500% 19.27 851.68 0.00 832.41 3,370.93 4.82 39,142.25
357 9/1/2047 5.500% 15.45 851.68 0.00 836.23 2,534.70 3.86 39,146.12
358 10/1/2047 5.500% 11.62 851.68 0.00 840.06 1,694.64 2.91 39,149.02
359 11/1/2047 5.500% 7.77 851.68 0.00 843.91 850.73 1.94 39,150.96
360 12/1/2047 30 5.500% 3.90 854.63 0.00 850.73 0.00 0.98 39,151.94

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About This Template

This spreadsheet lets you analyze a fixed or variable rate home mortgage. You can set
up periodic extra payments, or add additional payments manually within the Payment
Schedule. Use the spreadsheet to compare different term lengths, rates, loan amounts,
and the savings from making extra payments. It also calculates the outstanding balance
at the end of a specified number of years and the tax returned if the interest paid is tax
deductible.

Caution: This spreadsheet should not be construed as financial advice. The results
may not be exact, and may not apply to your specific situation. Please consult a
qualified professional regarding financial decisions.

Instructions For Using This Template

1. Enter the loan amount, interest rate, term length, and first payment date.

2. Choose type of mortgage: Variable or Fixed rate.

3. Move your mouse over the cells with the red triangles for additional information and
instructions.

Edit the CLEAR (white) cells. In the Payment Schedule edit the YELLOW cells.

Try using Excel's built-in Goal Seek utility (Data > What-If Analysis > Goal Seek) to
solve for a Loan Amount that results in a specific Monthly Payment.

Note: The payment and the interest are rounded to the nearest cent. The last payment
is adjusted to bring the balance to zero.

Additional Help
The link at the top of this worksheet will take you to the web page on vertex42.com that
talks about this template.

REFERENCES

SEE ALSO Vertex42.com: Loan Amortization Schedule

SEE ALSO Vertex42.com: Personal Budget Spreadsheet

TIPS Vertex42.com: Spreadsheet Tips Workbook

07-2018 Vertex42 LLC
Home Mortgage Calculator

By Vertex42.com
https://www.vertex42.com/Calculators/home-mortgage-calculator.html

© 2007-2018 Vertex42 LLC

This spreadsheet, including all worksheets and associated content is a

copyrighted work under the United States and other copyright laws.

Do not submit copies or modifications of this template to any website or online

template gallery.

Please review the following license agreement to learn how you may or may not
use this template. Thank you.

License Agreement
https://www.vertex42.com/licensing/EULA_personaluse.html

Do not delete this worksheet