# APPENDIX: Monthly Payment Schedules

The following schedule shows monthly payments per thousand dollars financed. To calculate your monthly payment:

1. Find your interest rate in the first column.

2. Move across to the appropriate column for your term.

3. Multiply that number by the number of thousand dollars financed.

## EXAMPLE

If you are borrowing \$150,000 at 6.50 percent interest for a 30- year term:

\$6.32 × 150 (thousands) — \$948.00 principal and interest payment

Thus, your monthly payment for both principal and interest is \$948.

 Rate 40 years 30 years 25 years 20 years 15 years 10 years 2.500 \$3.30 \$3.95 \$4.49 \$5.30 \$6.67 \$ 9.43 2.625 \$3.37 \$4.02 \$4.55 \$5.36 \$6.73 \$ 9.48 2.750 \$3.44 \$4.08 \$4.61 \$5.42 \$6.79 \$ 9.54 2.875 \$3.51 \$4.15 \$4.68 \$5.48 \$6.85 \$ 9.60 3.000 \$3.58 \$4.22 \$4.74 \$5.55 \$6.91 \$ 9.66 3.125 \$3.65 \$4.28 \$4.81 \$5.61 \$6.97 \$ 9.71 3.250 \$3.73 \$4.35 \$4.87 \$5.67 \$7.03 \$ 9.77 3.375 \$3.80 \$4.42 \$4.94 \$5.74 \$7.09 \$ 9.83 3.500 \$3.87 \$4.49 \$5.01 \$5.80 \$7.15 \$ 9.89 3.625 \$3.95 \$4.56 \$5.07 \$5.86 \$7.21 \$ 9.95 3.750 \$4.03 \$4.63 \$5.14 \$5.93 \$7.27 \$10.01 3.875 \$4.10 \$4.70 \$5.21 \$5.99 \$7.33 \$10.07 4.000 \$4.18 \$4.77 \$5.28 \$6.06 \$7.40 \$10.12 4.125 \$4.26 \$4.85 \$5.35 \$6.13 \$7.46 \$10.18 4.250 \$4.34 \$4.92 \$5.42 \$6.19 \$7.52 \$10.24 4.375 \$4.42 \$4.99 \$5.49 \$6.26 \$7.59 \$10.30 4.500 \$4.50 \$5.07 \$5.56 \$6.33 \$7.65 \$10.36 4.625 \$4.58 \$5.14 \$5.63 \$6.39 \$7.71 \$10.42 4.750 \$4.66 \$5.22 \$5.70 \$6.46 \$7.78 \$10.48 4.875 \$4.74 \$5.29 \$5.77 \$6.53 \$7.84 \$10.55 5.000 \$4.82 \$5.37 \$5.85 \$6.60 \$7.91 \$10.61 5.125 \$4.91 \$5.44 \$5.92 \$6.67 \$7.97 \$10.67 5.250 \$4.99 \$5.52 \$5.99 \$6.74 \$8.04 \$10.73 5.375 \$5.07 \$5.60 \$6.07 \$6.81 \$8.10 \$10.79 5.500 \$5.16 \$5.68 \$6.14 \$6.88 \$8.17 \$10.85 5.625 \$5.24 \$5.76 \$6.22 \$6.95 \$8.24 \$10.91 5.750 \$5.33 \$5.84 \$6.29 \$7.02 \$ 8.30 \$10.98 5.875 \$5.42 \$5.92 \$6.37 \$7.09 \$ 8.37 \$11.04 6.000 \$5.50 \$6.00 \$6.44 \$7.16 \$ 8.44 \$11.10 6.125 \$5.59 \$6.08 \$6.52 \$7.24 \$ 8.51 \$11.16 6.250 \$5.68 \$6.16 \$6.60 \$7.31 \$ 8.57 \$11.23 6.375 \$5.77 \$6.24 \$6.67 \$7.38 \$ 8.64 \$11.29 6.500 \$5.85 \$6.32 \$6.75 \$7.46 \$ 8.71 \$11.35 6.625 \$5.94 \$6.40 \$6.83 \$7.53 \$ 8.78 \$11.42 6.750 \$6.03 \$6.49 \$6.91 \$7.60 \$ 8.85 \$11.48 6.875 \$6.12 \$6.57 \$6.99 \$7.68 \$ 8.92 \$11.55 7.000 \$6.21 \$6.65 \$7.07 \$7.75 \$ 8.99 \$11.61 7.125 \$6.31 \$6.74 \$7.15 \$7.83 \$ 9.06 \$11.68 7.250 \$6.40 \$6.82 \$7.23 \$7.90 \$ 9.13 \$11.74 7.375 \$6.49 \$6.91 \$7.31 \$7.98 \$ 9.20 \$11.81 7.500 \$6.58 \$6.99 \$7.39 \$8.06 \$ 9.27 \$11.87 7.625 \$6.67 \$7.08 \$7.47 \$8.13 \$ 9.34 \$11.94 7.750 \$6.77 \$7.16 \$7.55 \$8.21 \$ 9.41 \$12.00 7.875 \$6.86 \$7.25 \$7.64 \$8.29 \$ 9.48 \$12.07 8.000 \$6.95 \$7.34 \$7.72 \$8.36 \$ 9.56 \$12.13 8.125 \$7.05 \$7.42 \$7.80 \$8.44 \$ 9.63 \$12.20 8.250 \$7.14 \$7.51 \$7.88 \$8.52 \$ 9.70 \$12.27 8.375 \$7.24 \$7.60 \$7.97 \$8.60 \$ 9.77 \$12.33 8.500 \$7.33 \$7.69 \$8.05 \$8.68 \$ 9.85 \$12.40 8.625 \$7.43 \$7.78 \$8.14 \$8.76 \$ 9.92 \$12.47 8.750 \$7.52 \$7.87 \$8.22 \$8.84 \$ 9.99 \$12.53 8.875 \$7.62 \$7.96 \$8.31 \$8.92 \$10.07 \$12.60 9.000 \$7.71 \$8.05 \$8.39 \$9.00 \$10.14 \$12.67 9.125 \$7.81 \$8.14 \$8.48 \$9.08 \$10.22 \$12.74 9.250 \$7.91 \$8.23 \$8.56 \$9.16 \$10.29 \$12.80 9.375 \$ 8.00 \$ 8.32 \$ 8.65 \$ 9.24 \$10.37 \$12.87 9.500 \$ 8.10 \$ 8.41 \$ 8.74 \$ 9.32 \$10.44 \$12.94 9.625 \$ 8.20 \$ 8.50 \$ 8.82 \$ 9.40 \$10.52 \$13.01 9.750 \$ 8.30 \$ 8.59 \$ 8.91 \$ 9.49 \$10.59 \$13.08 9.875 \$ 8.39 \$ 8.68 \$ 9.00 \$ 9.57 \$10.67 \$13.15 10.000 \$ 8.49 \$ 8.78 \$ 9.09 \$ 9.65 \$10.75 \$13.22 10.125 \$ 8.59 \$ 8.87 \$ 9.18 \$ 9.73 \$10.82 \$13.28 10.250 \$ 8.69 \$ 8.96 \$ 9.26 \$ 9.82 \$10.90 \$13.35 10.375 \$ 8.79 \$ 9.05 \$ 9.35 \$ 9.90 \$10.98 \$13.42 10.500 \$ 8.89 \$ 9.15 \$ 9.44 \$ 9.98 \$11.05 \$13.49 10.625 \$ 8.98 \$ 9.24 \$ 9.53 \$10.07 \$11.13 \$13.56 10.750 \$ 9.08 \$ 9.33 \$ 9.62 \$10.15 \$11.21 \$13.63 10.875 \$ 9.18 \$ 9.43 \$ 9.71 \$10.24 \$11.29 \$13.70 11.000 \$ 9.28 \$ 9.52 \$ 9.80 \$10.32 \$11.37 \$13.78 11.125 \$ 9.38 \$ 9.62 \$ 9.89 \$10.41 \$11.44 \$13.85 11.250 \$ 9.48 \$ 9.71 \$ 9.98 \$10.49 \$11.52 \$13.92 11.375 \$ 9.58 \$ 9.81 \$10.07 \$10.58 \$11.60 \$13.99 11.500 \$ 9.68 \$ 9.90 \$10.16 \$10.66 \$11.68 \$14.06 11.625 \$ 9.78 \$10.00 \$10.26 \$10.75 \$11.76 \$14.13 11.750 \$ 9.88 \$10.09 \$10.35 \$10.84 \$11.84 \$14.20 11.875 \$ 9.98 \$10.19 \$10.44 \$10.92 \$11.92 \$14.27 12.000 \$10.08 \$10.29 \$10.53 \$11.01 \$12.00 \$14.35 12.125 \$10.19 \$10.38 \$10.62 \$11.10 \$12.08 \$14.42 12.250 \$10.29 \$10.48 \$10.72 \$11.19 \$12.16 \$14.49 12.375 \$10.39 \$10.58 \$10.81 \$11.27 \$12.24 \$14.56 12.500 \$10.49 \$10.67 \$10.90 \$11.36 \$12.33 \$14.64 12.625 \$10.59 \$10.77 \$11.00 \$11.45 \$12.41 \$14.71 12.750 \$10.69 \$10.87 \$11.09 \$11.54 \$12.49 \$14.78 12.875 \$10.79 \$10.96 \$11.18 \$11.63 \$12.57 \$14.86 13.000 \$10.90 \$11.06 \$11.28 \$11.72 \$12.65 \$14.93 13.125 \$11.00 \$11.16 \$11.37 \$11.80 \$12.73 \$15.00 13.250 \$11.10 \$11.26 \$11.47 \$11.89 \$12.82 \$15.08 13.375 \$11.20 \$11.36 \$11.56 \$11.98 \$12.90 \$15.15 13.500 \$11.30 \$11.45 \$11.66 \$12.07 \$12.98 \$15.23 13.625 \$11.40 \$11.55 \$11.75 \$12.16 \$13.07 \$15.30 13.750 \$11.51 \$11.65 \$11.85 \$12.25 \$13.15 \$15.38 13.875 \$11.61 \$11.75 \$11.94 \$12.34 \$13.23 \$15.45 14.000 \$11.71 \$11.85 \$12.04 \$12.44 \$13.32 \$15.53 14.125 \$11.81 \$11.95 \$12.13 \$12.53 \$13.40 \$15.60 14.250 \$11.92 \$12.05 \$12.23 \$12.62 \$13.49 \$15.68 14.375 \$12.02 \$12.15 \$12.33 \$12.71 \$13.57 \$15.75 14.500 \$12.12 \$12.25 \$12.42 \$12.80 \$13.66 \$15.83 14.625 \$12.22 \$12.35 \$12.52 \$12.89 \$13.74 \$15.90 14.750 \$12.33 \$12.44 \$12.61 \$12.98 \$13.83 \$15.9 14.875 \$12.43 \$12.54 \$12.71 \$13.08 \$13.91 \$16.06 15.000 \$12.53 \$12.64 \$12.81 \$13.17 \$14.00 \$16.13 15.125 \$12.64 \$12.74 \$12.91 \$13.26 \$14.08 \$16.21 15.250 \$12.74 \$12.84 \$13.00 \$13.35 \$14.17 \$16.29 15.375 \$12.84 \$12.94 \$13.10 \$13.45 \$14.25 \$16.36 15.500 \$12.94 \$13.05 \$13.20 \$13.54 \$14.34 \$16.44 15.625 \$13.05 \$13.15 \$13.30 \$13.63 \$14.43 \$16.52 15.750 \$13.15 \$13.25 \$13.39 \$13.73 \$14.51 \$16.60 15.875 \$13.25 \$13.35 \$13.49 \$13.82 \$14.60 \$16.67 16.000 \$13.36 \$13.45 \$13.59 \$13.91 \$14.69 \$16.75 16.125 \$13.46 \$13.55 \$13.69 \$14.01 \$14.77 \$16.83 16.250 \$13.56 \$13.65 \$13.79 \$14.10 \$14.86 \$16.91 16.375 \$13.67 \$13.75 \$13.88 \$14.19 \$14.95 \$16.99 16.500 \$13.77 \$13.85 \$13.98 \$14.29 \$15.04 \$17.06 16.625 \$13.87 \$13.95 \$14.08 \$14.38 \$15.13 \$17.14 16.750 \$13.98 \$14.05 \$14.18 \$14.48 \$15.21 \$17.22 16.875 \$14.08 \$14.16 \$14.28 \$14.57 \$15.30 \$17.30 17.000 \$14.18 \$14.26 \$14.38 \$14.67 \$15.39 \$17.38 17.125 \$14.29 \$14.36 \$14.48 \$14.76 \$15.48 \$17.46 17.250 \$14.39 \$14.46 \$14.58 \$14.86 \$15.57 \$17.54 17.375 \$14.49 \$14.56 \$14.68 \$14.95 \$15.66 \$17.62 17.500 \$14.60 \$14.66 \$14.78 \$15.05 \$15.75 \$17.70 17.625 \$14.70 \$14.77 \$14.87 \$15.15 \$15.84 \$17.78 17.750 \$14.80 \$14.87 \$14.97 \$15.24 \$15.92 \$17.86 17.875 \$14.91 \$14.97 \$15.07 \$15.34 \$16.01 \$17.94 18.000 \$15.01 \$15.07 \$15.17 \$15.43 \$16.10 \$18.02

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