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$3,500 Flat Fee for Sellers
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Mortgage Savings Calculator

Perhaps you want to live debt free. Maybe you want your home paid off before retirement. These are two good reasons why making an extra monthly payment might make sense.

For some paying off their mortgage early is part of their investment plan. It is a no risk way to save money. Other no risk options such as a savings account probably have a much lower rate than your mortgage.

If your savings account is your emergency money, consider opening up a Home Equity Line of Credit (HELOC). This will give you some comfort to not keep as large a balance in your savings, and instead use your extra savings to pay down the higher interest rate mortgage. Should you need the money for an emergency, you can always withdraw it from the HELOC, but remember to start paying that back right away too.

Keep in mind there is no required amount you have to add per month. The more you add, the faster your mortgage goes away, and the more interest you save. However, the best strategy is to add what you are comfortable with.

Loan Details

Offer:

Percent Down:

Amount Down: $23,500

Interest Rate:

Extra Monthly Payment:

Years:

Short Cuts: Year 5, Year 10, Year 15, Year 20, Year 25, End of Loan

Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Total Saved	Balance
1	904.29	356.15	548.14	548.14	211,143.85	1,004.29	456.15	548.14	548.14	0.00	211,043.85
2	904.29	357.07	547.21	1,095.35	210,786.77	1,004.29	457.33	546.96	1,095.09	0.26	210,586.52
3	904.29	358.00	546.29	1,641.64	210,428.77	1,004.29	458.52	545.77	1,640.86	0.78	210,128.00
4	904.29	358.93	545.36	2,187.00	210,069.85	1,004.29	459.71	544.58	2,185.44	1.56	209,668.29
5	904.29	359.86	544.43	2,731.43	209,709.99	1,004.29	460.90	543.39	2,728.83	2.60	209,207.39
6	904.29	360.79	543.50	3,274.93	209,349.20	1,004.29	462.09	542.20	3,271.03	3.90	208,745.30
7	904.29	361.73	542.56	3,817.50	208,987.47	1,004.29	463.29	541.00	3,812.03	5.47	208,282.01
8	904.29	362.66	541.63	4,359.12	208,624.81	1,004.29	464.49	539.80	4,351.83	7.29	207,817.52
9	904.29	363.60	540.69	4,899.81	208,261.21	1,004.29	465.70	538.59	4,890.42	9.39	207,351.82
10	904.29	364.55	539.74	5,439.55	207,896.66	1,004.29	466.90	537.39	5,427.81	11.74	206,884.92
11	904.29	365.49	538.80	5,978.35	207,531.17	1,004.29	468.11	536.18	5,963.98	14.37	206,416.81
12	904.29	366.44	537.85	6,516.20	207,164.73	1,004.29	469.33	534.96	6,498.95	17.25	205,947.48
Year 1 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
13	904.29	367.39	536.90	7,053.10	206,797.35	1,004.29	470.54	533.75	7,032.69	20.41	205,476.94
14	904.29	368.34	535.95	7,589.05	206,429.01	1,004.29	471.76	532.53	7,565.22	23.83	205,005.18
15	904.29	369.29	535.00	8,124.05	206,059.72	1,004.29	472.98	531.31	8,096.53	27.52	204,532.19
16	904.29	370.25	534.04	8,658.09	205,689.46	1,004.29	474.21	530.08	8,626.61	31.48	204,057.99
17	904.29	371.21	533.08	9,191.16	205,318.25	1,004.29	475.44	528.85	9,155.46	35.71	203,582.55
18	904.29	372.17	532.12	9,723.28	204,946.08	1,004.29	476.67	527.62	9,683.08	40.21	203,105.88
19	904.29	373.14	531.15	10,254.43	204,572.94	1,004.29	477.91	526.38	10,209.46	44.98	202,627.97
20	904.29	374.10	530.18	10,784.62	204,198.84	1,004.29	479.14	525.14	10,734.60	50.02	202,148.83
21	904.29	375.07	529.22	11,313.83	203,823.77	1,004.29	480.39	523.90	11,258.50	55.33	201,668.44
22	904.29	376.05	528.24	11,842.08	203,447.72	1,004.29	481.63	522.66	11,781.16	60.91	201,186.81
23	904.29	377.02	527.27	12,369.35	203,070.70	1,004.29	482.88	521.41	12,302.57	66.77	200,703.93
24	904.29	378.00	526.29	12,895.64	202,692.70	1,004.29	484.13	520.16	12,822.73	72.91	200,219.80
Year 2 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
25	904.29	378.98	525.31	13,420.95	202,313.73	1,004.29	485.39	518.90	13,341.63	79.32	199,734.41
26	904.29	379.96	524.33	13,945.28	201,933.77	1,004.29	486.64	517.65	13,859.28	86.00	199,247.77
27	904.29	380.94	523.35	14,468.62	201,552.82	1,004.29	487.91	516.38	14,375.66	92.96	198,759.86
28	904.29	381.93	522.36	14,990.98	201,170.89	1,004.29	489.17	515.12	14,890.78	100.20	198,270.69
29	904.29	382.92	521.37	15,512.35	200,787.97	1,004.29	490.44	513.85	15,404.63	107.72	197,780.25
30	904.29	383.91	520.38	16,032.72	200,404.06	1,004.29	491.71	512.58	15,917.21	115.51	197,288.55
31	904.29	384.91	519.38	16,552.10	200,019.15	1,004.29	492.98	511.31	16,428.52	123.59	196,795.56
32	904.29	385.91	518.38	17,070.49	199,633.25	1,004.29	494.26	510.03	16,938.55	131.94	196,301.30
33	904.29	386.91	517.38	17,587.87	199,246.34	1,004.29	495.54	508.75	17,447.29	140.58	195,805.76
34	904.29	387.91	516.38	18,104.25	198,858.43	1,004.29	496.83	507.46	17,954.76	149.49	195,308.94
35	904.29	388.91	515.37	18,619.63	198,469.52	1,004.29	498.11	506.18	18,460.93	158.69	194,810.82
36	904.29	389.92	514.37	19,133.99	198,079.59	1,004.29	499.40	504.88	18,965.82	168.18	194,311.42
Year 3 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
37	904.29	390.93	513.36	19,647.35	197,688.66	1,004.29	500.70	503.59	19,469.41	177.94	193,810.72
38	904.29	391.95	512.34	20,159.69	197,296.72	1,004.29	502.00	502.29	19,971.70	187.99	193,308.72
39	904.29	392.96	511.33	20,671.02	196,903.75	1,004.29	503.30	500.99	20,472.69	198.33	192,805.43
40	904.29	393.98	510.31	21,181.33	196,509.77	1,004.29	504.60	499.69	20,972.38	208.95	192,300.83
41	904.29	395.00	509.29	21,690.62	196,114.77	1,004.29	505.91	498.38	21,470.76	219.86	191,794.92
42	904.29	396.02	508.26	22,198.88	195,718.75	1,004.29	507.22	497.07	21,967.83	231.05	191,287.70
43	904.29	397.05	507.24	22,706.12	195,321.70	1,004.29	508.53	495.75	22,463.58	242.54	190,779.16
44	904.29	398.08	506.21	23,212.33	194,923.62	1,004.29	509.85	494.44	22,958.02	254.31	190,269.31
45	904.29	399.11	505.18	23,717.50	194,524.51	1,004.29	511.17	493.11	23,451.13	266.37	189,758.13
46	904.29	400.15	504.14	24,221.65	194,124.36	1,004.29	512.50	491.79	23,942.92	278.72	189,245.64
47	904.29	401.18	503.11	24,724.75	193,723.18	1,004.29	513.83	490.46	24,433.38	291.37	188,731.81
48	904.29	402.22	502.07	25,226.82	193,320.95	1,004.29	515.16	489.13	24,922.51	304.30	188,216.65
Year 4 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
49	904.29	403.27	501.02	25,727.84	192,917.69	1,004.29	516.49	487.79	25,410.31	317.53	187,700.16
50	904.29	404.31	499.98	26,227.82	192,513.38	1,004.29	517.83	486.46	25,896.76	331.05	187,182.32
51	904.29	405.36	498.93	26,726.75	192,108.02	1,004.29	519.17	485.11	26,381.88	344.87	186,663.15
52	904.29	406.41	497.88	27,224.63	191,701.61	1,004.29	520.52	483.77	26,865.65	358.98	186,142.63
53	904.29	407.46	496.83	27,721.46	191,294.15	1,004.29	521.87	482.42	27,348.07	373.39	185,620.76
54	904.29	408.52	495.77	28,217.23	190,885.63	1,004.29	523.22	481.07	27,829.13	388.09	185,097.54
55	904.29	409.58	494.71	28,711.94	190,476.05	1,004.29	524.58	479.71	28,308.85	403.09	184,572.96
56	904.29	410.64	493.65	29,205.59	190,065.41	1,004.29	525.94	478.35	28,787.20	418.39	184,047.02
57	904.29	411.70	492.59	29,698.18	189,653.71	1,004.29	527.30	476.99	29,264.19	433.99	183,519.72
58	904.29	412.77	491.52	30,189.70	189,240.94	1,004.29	528.67	475.62	29,739.81	449.89	182,991.06
59	904.29	413.84	490.45	30,680.14	188,827.10	1,004.29	530.04	474.25	30,214.06	466.08	182,461.02
60	904.29	414.91	489.38	31,169.52	188,412.19	1,004.29	531.41	472.88	30,686.94	482.58	181,929.61
Year 5 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
61	904.29	415.99	488.30	31,657.82	187,996.20	1,004.29	532.79	471.50	31,158.44	499.38	181,396.82
62	904.29	417.07	487.22	32,145.05	187,579.14	1,004.29	534.17	470.12	31,628.56	516.49	180,862.65
63	904.29	418.15	486.14	32,631.19	187,160.99	1,004.29	535.55	468.74	32,097.29	533.89	180,327.10
64	904.29	419.23	485.06	33,116.25	186,741.76	1,004.29	536.94	467.35	32,564.64	551.61	179,790.16
65	904.29	420.32	483.97	33,600.22	186,321.45	1,004.29	538.33	465.96	33,030.60	569.62	179,251.82
66	904.29	421.41	482.88	34,083.10	185,900.04	1,004.29	539.73	464.56	33,495.16	587.94	178,712.10
67	904.29	422.50	481.79	34,564.89	185,477.54	1,004.29	541.13	463.16	33,958.32	606.57	178,170.97
68	904.29	423.59	480.70	35,045.59	185,053.95	1,004.29	542.53	461.76	34,420.08	625.51	177,628.44
69	904.29	424.69	479.60	35,525.19	184,629.26	1,004.29	543.94	460.35	34,880.43	644.75	177,084.51
70	904.29	425.79	478.50	36,003.69	184,203.47	1,004.29	545.34	458.94	35,339.38	664.31	176,539.16
71	904.29	426.89	477.39	36,481.08	183,776.57	1,004.29	546.76	457.53	35,796.91	684.17	175,992.40
72	904.29	428.00	476.29	36,957.37	183,348.57	1,004.29	548.18	456.11	36,253.02	704.34	175,444.23
Year 6 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
73	904.29	429.11	475.18	37,432.55	182,919.46	1,004.29	549.60	454.69	36,707.72	724.83	174,894.63
74	904.29	430.22	474.07	37,906.61	182,489.24	1,004.29	551.02	453.27	37,160.98	745.63	174,343.61
75	904.29	431.34	472.95	38,379.56	182,057.90	1,004.29	552.45	451.84	37,612.83	766.74	173,791.16
76	904.29	432.46	471.83	38,851.40	181,625.45	1,004.29	553.88	450.41	38,063.23	788.16	173,237.28
77	904.29	433.58	470.71	39,322.11	181,191.87	1,004.29	555.32	448.97	38,512.21	809.90	172,681.97
78	904.29	434.70	469.59	39,791.70	180,757.17	1,004.29	556.75	447.53	38,959.74	831.96	172,125.21
79	904.29	435.83	468.46	40,260.16	180,321.34	1,004.29	558.20	446.09	39,405.83	854.33	171,567.01
80	904.29	436.96	467.33	40,727.49	179,884.39	1,004.29	559.64	444.64	39,850.48	877.02	171,007.37
81	904.29	438.09	466.20	41,193.69	179,446.30	1,004.29	561.09	443.19	40,293.67	900.02	170,446.28
82	904.29	439.22	465.06	41,658.76	179,007.07	1,004.29	562.55	441.74	40,735.41	923.35	169,883.73
83	904.29	440.36	463.93	42,122.69	178,566.71	1,004.29	564.01	440.28	41,175.69	946.99	169,319.72
84	904.29	441.50	462.79	42,585.47	178,125.21	1,004.29	565.47	438.82	41,614.51	970.96	168,754.25
Year 7 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
85	904.29	442.65	461.64	43,047.11	177,682.56	1,004.29	566.93	437.35	42,051.87	995.24	168,187.32
86	904.29	443.79	460.49	43,507.61	177,238.77	1,004.29	568.40	435.89	42,487.75	1,019.85	167,618.91
87	904.29	444.95	459.34	43,966.95	176,793.82	1,004.29	569.88	434.41	42,922.17	1,044.78	167,049.04
88	904.29	446.10	458.19	44,425.14	176,347.72	1,004.29	571.35	432.94	43,355.10	1,070.04	166,477.68
89	904.29	447.25	457.03	44,882.18	175,900.47	1,004.29	572.83	431.45	43,786.56	1,095.62	165,904.85
90	904.29	448.41	455.88	45,338.05	175,452.06	1,004.29	574.32	429.97	44,216.53	1,121.52	165,330.53
91	904.29	449.58	454.71	45,792.76	175,002.48	1,004.29	575.81	428.48	44,645.01	1,147.76	164,754.72
92	904.29	450.74	453.55	46,246.31	174,551.74	1,004.29	577.30	426.99	45,072.00	1,174.31	164,177.42
93	904.29	451.91	452.38	46,698.69	174,099.83	1,004.29	578.80	425.49	45,497.49	1,201.20	163,598.63
94	904.29	453.08	451.21	47,149.90	173,646.75	1,004.29	580.30	423.99	45,921.48	1,228.42	163,018.33
95	904.29	454.25	450.03	47,599.94	173,192.50	1,004.29	581.80	422.49	46,343.97	1,255.96	162,436.53
96	904.29	455.43	448.86	48,048.79	172,737.06	1,004.29	583.31	420.98	46,764.95	1,283.84	161,853.23
Year 8 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
97	904.29	456.61	447.68	48,496.47	172,280.45	1,004.29	584.82	419.47	47,184.42	1,312.05	161,268.41
98	904.29	457.80	446.49	48,942.96	171,822.66	1,004.29	586.33	417.95	47,602.38	1,340.59	160,682.07
99	904.29	458.98	445.31	49,388.27	171,363.67	1,004.29	587.85	416.43	48,018.81	1,369.46	160,094.22
100	904.29	460.17	444.12	49,832.39	170,903.50	1,004.29	589.38	414.91	48,433.72	1,398.66	159,504.84
101	904.29	461.36	442.92	50,275.31	170,442.14	1,004.29	590.91	413.38	48,847.11	1,428.21	158,913.93
102	904.29	462.56	441.73	50,717.04	169,979.58	1,004.29	592.44	411.85	49,258.96	1,458.08	158,321.50
103	904.29	463.76	440.53	51,157.57	169,515.82	1,004.29	593.97	410.32	49,669.27	1,488.30	157,727.52
104	904.29	464.96	439.33	51,596.90	169,050.86	1,004.29	595.51	408.78	50,078.05	1,518.85	157,132.01
105	904.29	466.17	438.12	52,035.02	168,584.70	1,004.29	597.06	407.23	50,485.29	1,549.74	156,534.96
106	904.29	467.37	436.92	52,471.94	168,117.32	1,004.29	598.60	405.69	50,890.97	1,580.97	155,936.36
107	904.29	468.58	435.70	52,907.64	167,648.74	1,004.29	600.15	404.14	51,295.11	1,612.54	155,336.20
108	904.29	469.80	434.49	53,342.13	167,178.94	1,004.29	601.71	402.58	51,697.69	1,644.45	154,734.49
Year 9 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
109	904.29	471.02	433.27	53,775.40	166,707.92	1,004.29	603.27	401.02	52,098.71	1,676.70	154,131.22
110	904.29	472.24	432.05	54,207.46	166,235.68	1,004.29	604.83	399.46	52,498.16	1,709.29	153,526.39
111	904.29	473.46	430.83	54,638.28	165,762.22	1,004.29	606.40	397.89	52,896.05	1,742.23	152,919.99
112	904.29	474.69	429.60	55,067.88	165,287.53	1,004.29	607.97	396.32	53,292.37	1,775.51	152,312.02
113	904.29	475.92	428.37	55,496.25	164,811.62	1,004.29	609.55	394.74	53,687.11	1,809.14	151,702.47
114	904.29	477.15	427.14	55,923.39	164,334.46	1,004.29	611.13	393.16	54,080.27	1,843.12	151,091.35
115	904.29	478.39	425.90	56,349.29	163,856.07	1,004.29	612.71	391.58	54,471.85	1,877.44	150,478.64
116	904.29	479.63	424.66	56,773.95	163,376.45	1,004.29	614.30	389.99	54,861.84	1,912.11	149,864.34
117	904.29	480.87	423.42	57,197.37	162,895.57	1,004.29	615.89	388.40	55,250.24	1,947.13	149,248.45
118	904.29	482.12	422.17	57,619.54	162,413.46	1,004.29	617.49	386.80	55,637.04	1,982.50	148,630.96
119	904.29	483.37	420.92	58,040.46	161,930.09	1,004.29	619.09	385.20	56,022.25	2,018.22	148,011.87
120	904.29	484.62	419.67	58,460.13	161,445.47	1,004.29	620.69	383.60	56,405.84	2,054.29	147,391.18
Year 10 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
121	904.29	485.88	418.41	58,878.54	160,959.59	1,004.29	622.30	381.99	56,787.83	2,090.71	146,768.88
122	904.29	487.14	417.15	59,295.70	160,472.46	1,004.29	623.91	380.38	57,168.21	2,127.49	146,144.97
123	904.29	488.40	415.89	59,711.59	159,984.06	1,004.29	625.53	378.76	57,546.97	2,164.62	145,519.44
124	904.29	489.66	414.63	60,126.21	159,494.40	1,004.29	627.15	377.14	57,924.11	2,202.11	144,892.29
125	904.29	490.93	413.36	60,539.57	159,003.46	1,004.29	628.78	375.51	58,299.62	2,239.95	144,263.51
126	904.29	492.20	412.08	60,951.65	158,511.26	1,004.29	630.41	373.88	58,673.50	2,278.15	143,633.11
127	904.29	493.48	410.81	61,362.46	158,017.78	1,004.29	632.04	372.25	59,045.75	2,316.71	143,001.07
128	904.29	494.76	409.53	61,771.99	157,523.02	1,004.29	633.68	370.61	59,416.36	2,355.63	142,367.39
129	904.29	496.04	408.25	62,180.24	157,026.98	1,004.29	635.32	368.97	59,785.33	2,394.91	141,732.07
130	904.29	497.33	406.96	62,587.20	156,529.65	1,004.29	636.97	367.32	60,152.65	2,434.55	141,095.10
131	904.29	498.62	405.67	62,992.87	156,031.03	1,004.29	638.62	365.67	60,518.32	2,474.55	140,456.49
132	904.29	499.91	404.38	63,397.25	155,531.13	1,004.29	640.27	364.02	60,882.34	2,514.91	139,816.21
Year 11 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
133	904.29	501.20	403.08	63,800.34	155,029.92	1,004.29	641.93	362.36	61,244.70	2,555.64	139,174.28
134	904.29	502.50	401.79	64,202.12	154,527.42	1,004.29	643.60	360.69	61,605.39	2,596.73	138,530.69
135	904.29	503.81	400.48	64,602.61	154,023.61	1,004.29	645.26	359.03	61,964.42	2,638.19	137,885.42
136	904.29	505.11	399.18	65,001.79	153,518.50	1,004.29	646.94	357.35	62,321.77	2,680.02	137,238.49
137	904.29	506.42	397.87	65,399.65	153,012.08	1,004.29	648.61	355.68	62,677.45	2,722.21	136,589.87
138	904.29	507.73	396.56	65,796.21	152,504.35	1,004.29	650.29	354.00	63,031.44	2,764.77	135,939.58
139	904.29	509.05	395.24	66,191.45	151,995.30	1,004.29	651.98	352.31	63,383.75	2,807.70	135,287.60
140	904.29	510.37	393.92	66,585.37	151,484.93	1,004.29	653.67	350.62	63,734.37	2,851.00	134,633.93
141	904.29	511.69	392.60	66,977.97	150,973.24	1,004.29	655.36	348.93	64,083.30	2,894.67	133,978.57
142	904.29	513.02	391.27	67,369.24	150,460.23	1,004.29	657.06	347.23	64,430.53	2,938.72	133,321.51
143	904.29	514.35	389.94	67,759.19	149,945.88	1,004.29	658.76	345.52	64,776.05	2,983.14	132,662.75
144	904.29	515.68	388.61	68,147.80	149,430.20	1,004.29	660.47	343.82	65,119.87	3,027.93	132,002.27
Year 12 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
145	904.29	517.02	387.27	68,535.07	148,913.19	1,004.29	662.18	342.11	65,461.97	3,073.09	131,340.09
146	904.29	518.36	385.93	68,921.00	148,394.83	1,004.29	663.90	340.39	65,802.36	3,118.64	130,676.19
147	904.29	519.70	384.59	69,305.59	147,875.13	1,004.29	665.62	338.67	66,141.03	3,164.56	130,010.57
148	904.29	521.05	383.24	69,688.83	147,354.09	1,004.29	667.34	336.94	66,477.98	3,210.86	129,343.23
149	904.29	522.40	381.89	70,070.73	146,831.69	1,004.29	669.07	335.21	66,813.19	3,257.54	128,674.15
150	904.29	523.75	380.54	70,451.27	146,307.94	1,004.29	670.81	333.48	67,146.67	3,304.59	128,003.35
151	904.29	525.11	379.18	70,830.45	145,782.83	1,004.29	672.55	331.74	67,478.41	3,352.03	127,330.80
152	904.29	526.47	377.82	71,208.27	145,256.36	1,004.29	674.29	330.00	67,808.41	3,399.86	126,656.51
153	904.29	527.83	376.46	71,584.72	144,728.53	1,004.29	676.04	328.25	68,136.66	3,448.06	125,980.47
154	904.29	529.20	375.09	71,959.81	144,199.33	1,004.29	677.79	326.50	68,463.16	3,496.65	125,302.68
155	904.29	530.57	373.72	72,333.53	143,668.76	1,004.29	679.55	324.74	68,787.91	3,545.62	124,623.14
156	904.29	531.95	372.34	72,705.87	143,136.81	1,004.29	681.31	322.98	69,110.89	3,594.98	123,941.83
Year 13 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
157	904.29	533.33	370.96	73,076.83	142,603.49	1,004.29	683.07	321.22	69,432.10	3,644.73	123,258.76
158	904.29	534.71	369.58	73,446.41	142,068.78	1,004.29	684.84	319.45	69,751.55	3,694.86	122,573.91
159	904.29	536.09	368.19	73,814.61	141,532.68	1,004.29	686.62	317.67	70,069.22	3,745.39	121,887.29
160	904.29	537.48	366.81	74,181.41	140,995.20	1,004.29	688.40	315.89	70,385.11	3,796.30	121,198.90
161	904.29	538.88	365.41	74,546.83	140,456.32	1,004.29	690.18	314.11	70,699.22	3,847.61	120,508.72
162	904.29	540.27	364.02	74,910.84	139,916.05	1,004.29	691.97	312.32	71,011.54	3,899.31	119,816.75
163	904.29	541.67	362.62	75,273.46	139,374.38	1,004.29	693.76	310.53	71,322.06	3,951.40	119,122.98
164	904.29	543.08	361.21	75,634.67	138,831.30	1,004.29	695.56	308.73	71,630.79	4,003.88	118,427.42
165	904.29	544.48	359.80	75,994.48	138,286.82	1,004.29	697.36	306.92	71,937.71	4,056.76	117,730.06
166	904.29	545.90	358.39	76,352.87	137,740.92	1,004.29	699.17	305.12	72,242.83	4,110.04	117,030.88
167	904.29	547.31	356.98	76,709.85	137,193.61	1,004.29	700.98	303.31	72,546.14	4,163.71	116,329.90
168	904.29	548.73	355.56	77,065.41	136,644.88	1,004.29	702.80	301.49	72,847.62	4,217.78	115,627.10
Year 14 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
169	904.29	550.15	354.14	77,419.55	136,094.73	1,004.29	704.62	299.67	73,147.29	4,272.25	114,922.48
170	904.29	551.58	352.71	77,772.26	135,543.16	1,004.29	706.45	297.84	73,445.13	4,327.13	114,216.03
171	904.29	553.01	351.28	78,123.54	134,990.15	1,004.29	708.28	296.01	73,741.14	4,382.40	113,507.75
172	904.29	554.44	349.85	78,473.39	134,435.71	1,004.29	710.11	294.17	74,035.32	4,438.07	112,797.64
173	904.29	555.88	348.41	78,821.80	133,879.83	1,004.29	711.95	292.33	74,327.65	4,494.15	112,085.68
174	904.29	557.32	346.97	79,168.77	133,322.52	1,004.29	713.80	290.49	74,618.14	4,550.64	111,371.88
175	904.29	558.76	345.53	79,514.30	132,763.75	1,004.29	715.65	288.64	74,906.78	4,607.52	110,656.23
176	904.29	560.21	344.08	79,858.38	132,203.55	1,004.29	717.50	286.78	75,193.56	4,664.82	109,938.73
177	904.29	561.66	342.63	80,201.01	131,641.88	1,004.29	719.36	284.92	75,478.49	4,722.52	109,219.36
178	904.29	563.12	341.17	80,542.18	131,078.77	1,004.29	721.23	283.06	75,761.55	4,780.63	108,498.13
179	904.29	564.58	339.71	80,881.89	130,514.19	1,004.29	723.10	281.19	76,042.74	4,839.16	107,775.03
180	904.29	566.04	338.25	81,220.14	129,948.15	1,004.29	724.97	279.32	76,322.05	4,898.09	107,050.06
Year 15 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
181	904.29	567.51	336.78	81,556.92	129,380.64	1,004.29	726.85	277.44	76,599.49	4,957.43	106,323.21
182	904.29	568.98	335.31	81,892.24	128,811.67	1,004.29	728.73	275.55	76,875.05	5,017.19	105,594.48
183	904.29	570.45	333.84	82,226.07	128,241.22	1,004.29	730.62	273.67	77,148.71	5,077.36	104,863.85
184	904.29	571.93	332.36	82,558.43	127,669.29	1,004.29	732.52	271.77	77,420.48	5,137.95	104,131.34
185	904.29	573.41	330.88	82,889.31	127,095.87	1,004.29	734.42	269.87	77,690.36	5,198.95	103,396.92
186	904.29	574.90	329.39	83,218.70	126,520.97	1,004.29	736.32	267.97	77,958.33	5,260.37	102,660.60
187	904.29	576.39	327.90	83,546.60	125,944.59	1,004.29	738.23	266.06	78,224.39	5,322.21	101,922.38
188	904.29	577.88	326.41	83,873.00	125,366.70	1,004.29	740.14	264.15	78,488.54	5,384.47	101,182.24
189	904.29	579.38	324.91	84,197.91	124,787.32	1,004.29	742.06	262.23	78,750.77	5,447.14	100,440.18
190	904.29	580.88	323.41	84,521.32	124,206.44	1,004.29	743.98	260.31	79,011.08	5,510.24	99,696.20
191	904.29	582.39	321.90	84,843.22	123,624.05	1,004.29	745.91	258.38	79,269.46	5,573.77	98,950.29
192	904.29	583.90	320.39	85,163.61	123,040.16	1,004.29	747.84	256.45	79,525.90	5,637.71	98,202.45
Year 16 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
193	904.29	585.41	318.88	85,482.49	122,454.75	1,004.29	749.78	254.51	79,780.41	5,702.08	97,452.66
194	904.29	586.93	317.36	85,799.86	121,867.82	1,004.29	751.72	252.56	80,032.98	5,766.88	96,700.94
195	904.29	588.45	315.84	86,115.70	121,279.37	1,004.29	753.67	250.62	80,283.59	5,832.10	95,947.27
196	904.29	589.97	314.32	86,430.01	120,689.40	1,004.29	755.63	248.66	80,532.26	5,897.76	95,191.64
197	904.29	591.50	312.79	86,742.80	120,097.90	1,004.29	757.58	246.71	80,778.96	5,963.84	94,434.06
198	904.29	593.04	311.25	87,054.05	119,504.86	1,004.29	759.55	244.74	81,023.70	6,030.35	93,674.51
199	904.29	594.57	309.72	87,363.77	118,910.29	1,004.29	761.52	242.77	81,266.47	6,097.29	92,913.00
200	904.29	596.11	308.18	87,671.94	118,314.18	1,004.29	763.49	240.80	81,507.27	6,164.67	92,149.51
201	904.29	597.66	306.63	87,978.58	117,716.52	1,004.29	765.47	238.82	81,746.10	6,232.48	91,384.04
202	904.29	599.21	305.08	88,283.66	117,117.31	1,004.29	767.45	236.84	81,982.93	6,300.73	90,616.59
203	904.29	600.76	303.53	88,587.19	116,516.55	1,004.29	769.44	234.85	82,217.78	6,369.41	89,847.15
204	904.29	602.32	301.97	88,889.16	115,914.24	1,004.29	771.43	232.85	82,450.63	6,438.52	89,075.71
Year 17 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
205	904.29	603.88	300.41	89,189.57	115,310.36	1,004.29	773.43	230.85	82,681.49	6,508.08	88,302.28
206	904.29	605.44	298.85	89,488.42	114,704.92	1,004.29	775.44	228.85	82,910.34	6,578.08	87,526.84
207	904.29	607.01	297.28	89,785.69	114,097.90	1,004.29	777.45	226.84	83,137.18	6,648.51	86,749.39
208	904.29	608.59	295.70	90,081.40	113,489.32	1,004.29	779.46	224.83	83,362.00	6,719.39	85,969.93
209	904.29	610.16	294.13	90,375.52	112,879.16	1,004.29	781.48	222.81	83,584.81	6,790.71	85,188.44
210	904.29	611.74	292.55	90,668.07	112,267.41	1,004.29	783.51	220.78	83,805.59	6,862.48	84,404.93
211	904.29	613.33	290.96	90,959.03	111,654.08	1,004.29	785.54	218.75	84,024.34	6,934.69	83,619.39
212	904.29	614.92	289.37	91,248.40	111,039.16	1,004.29	787.58	216.71	84,241.05	7,007.34	82,831.82
213	904.29	616.51	287.78	91,536.17	110,422.65	1,004.29	789.62	214.67	84,455.73	7,080.45	82,042.20
214	904.29	618.11	286.18	91,822.35	109,804.54	1,004.29	791.66	212.63	84,668.35	7,154.00	81,250.54
215	904.29	619.71	284.58	92,106.93	109,184.83	1,004.29	793.71	210.57	84,878.93	7,228.00	80,456.83
216	904.29	621.32	282.97	92,389.90	108,563.51	1,004.29	795.77	208.52	85,087.44	7,302.46	79,661.05
Year 18 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
217	904.29	622.93	281.36	92,671.26	107,940.58	1,004.29	797.83	206.45	85,293.90	7,377.36	78,863.22
218	904.29	624.54	279.75	92,951.01	107,316.04	1,004.29	799.90	204.39	85,498.29	7,452.72	78,063.32
219	904.29	626.16	278.13	93,229.13	106,689.88	1,004.29	801.97	202.31	85,700.60	7,528.53	77,261.34
220	904.29	627.78	276.50	93,505.64	106,062.09	1,004.29	804.05	200.24	85,900.84	7,604.80	76,457.29
221	904.29	629.41	274.88	93,780.52	105,432.68	1,004.29	806.14	198.15	86,098.99	7,681.53	75,651.15
222	904.29	631.04	273.25	94,053.76	104,801.64	1,004.29	808.23	196.06	86,295.05	7,758.71	74,842.93
223	904.29	632.68	271.61	94,325.37	104,168.96	1,004.29	810.32	193.97	86,489.02	7,836.36	74,032.61
224	904.29	634.32	269.97	94,595.35	103,534.65	1,004.29	812.42	191.87	86,680.89	7,914.46	73,220.19
225	904.29	635.96	268.33	94,863.67	102,898.68	1,004.29	814.53	189.76	86,870.65	7,993.02	72,405.66
226	904.29	637.61	266.68	95,130.35	102,261.07	1,004.29	816.64	187.65	87,058.30	8,072.05	71,589.02
227	904.29	639.26	265.03	95,395.38	101,621.81	1,004.29	818.75	185.53	87,243.83	8,151.54	70,770.27
228	904.29	640.92	263.37	95,658.75	100,980.89	1,004.29	820.88	183.41	87,427.25	8,231.50	69,949.39
Year 19 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
229	904.29	642.58	261.71	95,920.46	100,338.31	1,004.29	823.00	181.29	87,608.53	8,311.92	69,126.39
230	904.29	644.25	260.04	96,180.50	99,694.07	1,004.29	825.14	179.15	87,787.68	8,392.82	68,301.25
231	904.29	645.92	258.37	96,438.87	99,048.15	1,004.29	827.27	177.01	87,964.70	8,474.18	67,473.98
232	904.29	647.59	256.70	96,695.57	98,400.56	1,004.29	829.42	174.87	88,139.57	8,556.00	66,644.56
233	904.29	649.27	255.02	96,950.60	97,751.30	1,004.29	831.57	172.72	88,312.29	8,638.31	65,812.99
234	904.29	650.95	253.34	97,203.93	97,100.35	1,004.29	833.72	170.57	88,482.85	8,721.08	64,979.27
235	904.29	652.64	251.65	97,455.59	96,447.71	1,004.29	835.88	168.40	88,651.26	8,804.33	64,143.38
236	904.29	654.33	249.96	97,705.55	95,793.38	1,004.29	838.05	166.24	88,817.50	8,888.05	63,305.33
237	904.29	656.02	248.26	97,953.81	95,137.36	1,004.29	840.22	164.07	88,981.56	8,972.25	62,465.11
238	904.29	657.72	246.56	98,200.37	94,479.63	1,004.29	842.40	161.89	89,143.45	9,056.92	61,622.71
239	904.29	659.43	244.86	98,445.23	93,820.20	1,004.29	844.58	159.71	89,303.16	9,142.08	60,778.13
240	904.29	661.14	243.15	98,688.39	93,159.06	1,004.29	846.77	157.52	89,460.67	9,227.71	59,931.35
Year 20 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
241	904.29	662.85	241.44	98,929.82	92,496.21	1,004.29	848.97	155.32	89,616.00	9,313.83	59,082.39
242	904.29	664.57	239.72	99,169.54	91,831.64	1,004.29	851.17	153.12	89,769.12	9,400.42	58,231.22
243	904.29	666.29	238.00	99,407.54	91,165.35	1,004.29	853.37	150.92	89,920.03	9,487.50	57,377.85
244	904.29	668.02	236.27	99,643.81	90,497.33	1,004.29	855.58	148.70	90,068.74	9,575.07	56,522.26
245	904.29	669.75	234.54	99,878.35	89,827.58	1,004.29	857.80	146.49	90,215.23	9,663.12	55,664.46
246	904.29	671.49	232.80	100,111.15	89,156.10	1,004.29	860.03	144.26	90,359.49	9,751.66	54,804.44
247	904.29	673.23	231.06	100,342.21	88,482.87	1,004.29	862.25	142.03	90,501.52	9,840.69	53,942.18
248	904.29	674.97	229.32	100,571.53	87,807.90	1,004.29	864.49	139.80	90,641.32	9,930.21	53,077.69
249	904.29	676.72	227.57	100,799.10	87,131.18	1,004.29	866.73	137.56	90,778.88	10,020.22	52,210.96
250	904.29	678.47	225.81	101,024.92	86,452.71	1,004.29	868.98	135.31	90,914.20	10,110.72	51,341.99
251	904.29	680.23	224.06	101,248.97	85,772.47	1,004.29	871.23	133.06	91,047.26	10,201.71	50,470.76
252	904.29	682.00	222.29	101,471.27	85,090.48	1,004.29	873.49	130.80	91,178.06	10,293.20	49,597.27
Year 21 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
253	904.29	683.76	220.53	101,691.79	84,406.72	1,004.29	875.75	128.54	91,306.60	10,385.19	48,721.53
254	904.29	685.53	218.75	101,910.55	83,721.18	1,004.29	878.02	126.27	91,432.87	10,477.67	47,843.51
255	904.29	687.31	216.98	102,127.52	83,033.87	1,004.29	880.29	123.99	91,556.87	10,570.66	46,963.21
256	904.29	689.09	215.20	102,342.72	82,344.78	1,004.29	882.58	121.71	91,678.58	10,664.14	46,080.64
257	904.29	690.88	213.41	102,556.13	81,653.90	1,004.29	884.86	119.43	91,798.00	10,758.13	45,195.77
258	904.29	692.67	211.62	102,767.75	80,961.23	1,004.29	887.16	117.13	91,915.14	10,852.61	44,308.62
259	904.29	694.46	209.82	102,977.57	80,266.77	1,004.29	889.46	114.83	92,029.97	10,947.60	43,419.16
260	904.29	696.26	208.02	103,185.60	79,570.50	1,004.29	891.76	112.53	92,142.50	11,043.10	42,527.40
261	904.29	698.07	206.22	103,391.82	78,872.43	1,004.29	894.07	110.22	92,252.72	11,139.10	41,633.33
262	904.29	699.88	204.41	103,596.23	78,172.55	1,004.29	896.39	107.90	92,360.61	11,235.62	40,736.94
263	904.29	701.69	202.60	103,798.83	77,470.86	1,004.29	898.71	105.58	92,466.19	11,332.64	39,838.23
264	904.29	703.51	200.78	103,999.61	76,767.35	1,004.29	901.04	103.25	92,569.44	11,430.17	38,937.19
Year 22 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
265	904.29	705.33	198.96	104,198.56	76,062.02	1,004.29	903.38	100.91	92,670.35	11,528.21	38,033.81
266	904.29	707.16	197.13	104,395.69	75,354.86	1,004.29	905.72	98.57	92,768.92	11,626.77	37,128.09
267	904.29	708.99	195.29	104,590.98	74,645.86	1,004.29	908.07	96.22	92,865.15	11,725.84	36,220.03
268	904.29	710.83	193.46	104,784.44	73,935.03	1,004.29	910.42	93.87	92,959.02	11,825.42	35,309.61
269	904.29	712.67	191.61	104,976.06	73,222.36	1,004.29	912.78	91.51	93,050.53	11,925.53	34,396.83
270	904.29	714.52	189.77	105,165.82	72,507.84	1,004.29	915.14	89.15	93,139.67	12,026.15	33,481.69
271	904.29	716.37	187.92	105,353.74	71,791.46	1,004.29	917.52	86.77	93,226.45	12,127.29	32,564.17
272	904.29	718.23	186.06	105,539.80	71,073.24	1,004.29	919.89	84.40	93,310.84	12,228.96	31,644.28
273	904.29	720.09	184.20	105,724.00	70,353.14	1,004.29	922.28	82.01	93,392.85	12,331.15	30,722.00
274	904.29	721.96	182.33	105,906.33	69,631.19	1,004.29	924.67	79.62	93,472.47	12,433.86	29,797.33
275	904.29	723.83	180.46	106,086.79	68,907.36	1,004.29	927.06	77.22	93,549.70	12,537.09	28,870.27
276	904.29	725.70	178.58	106,265.38	68,181.66	1,004.29	929.47	74.82	93,624.52	12,640.86	27,940.80
Year 23 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
277	904.29	727.58	176.70	106,442.08	67,454.07	1,004.29	931.88	72.41	93,696.93	12,745.15	27,008.93
278	904.29	729.47	174.82	106,616.90	66,724.60	1,004.29	934.29	70.00	93,766.93	12,849.97	26,074.63
279	904.29	731.36	172.93	106,789.83	65,993.24	1,004.29	936.71	67.58	93,834.51	12,955.32	25,137.92
280	904.29	733.26	171.03	106,960.86	65,259.98	1,004.29	939.14	65.15	93,899.66	13,061.20	24,198.78
281	904.29	735.16	169.13	107,129.99	64,524.83	1,004.29	941.57	62.72	93,962.37	13,167.62	23,257.21
282	904.29	737.06	167.23	107,297.22	63,787.76	1,004.29	944.01	60.27	94,022.65	13,274.57	22,313.20
283	904.29	738.97	165.32	107,462.53	63,048.79	1,004.29	946.46	57.83	94,080.48	13,382.06	21,366.73
284	904.29	740.89	163.40	107,625.94	62,307.91	1,004.29	948.91	55.38	94,135.85	13,490.08	20,417.82
285	904.29	742.81	161.48	107,787.42	61,565.10	1,004.29	951.37	52.92	94,188.77	13,598.65	19,466.45
286	904.29	744.73	159.56	107,946.97	60,820.36	1,004.29	953.84	50.45	94,239.22	13,707.75	18,512.61
287	904.29	746.66	157.63	108,104.60	60,073.70	1,004.29	956.31	47.98	94,287.20	13,817.40	17,556.30
288	904.29	748.60	155.69	108,260.29	59,325.10	1,004.29	958.79	45.50	94,332.70	13,927.59	16,597.51
Year 24 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
289	904.29	750.54	153.75	108,414.04	58,574.57	1,004.29	961.27	43.02	94,375.71	14,038.33	15,636.24
290	904.29	752.48	151.81	108,565.85	57,822.08	1,004.29	963.76	40.52	94,416.24	14,149.61	14,672.47
291	904.29	754.43	149.86	108,715.70	57,067.65	1,004.29	966.26	38.03	94,454.26	14,261.44	13,706.21
292	904.29	756.39	147.90	108,863.60	56,311.26	1,004.29	968.77	35.52	94,489.78	14,373.82	12,737.44
293	904.29	758.35	145.94	109,009.54	55,552.91	1,004.29	971.28	33.01	94,522.80	14,486.75	11,766.17
294	904.29	760.31	143.97	109,153.52	54,792.60	1,004.29	973.79	30.49	94,553.29	14,600.23	10,792.37
295	904.29	762.28	142.00	109,295.52	54,030.31	1,004.29	976.32	27.97	94,581.26	14,714.26	9,816.05
296	904.29	764.26	140.03	109,435.55	53,266.05	1,004.29	978.85	25.44	94,606.70	14,828.85	8,837.20
297	904.29	766.24	138.05	109,573.60	52,499.81	1,004.29	981.39	22.90	94,629.60	14,944.00	7,855.82
298	904.29	768.23	136.06	109,709.66	51,731.59	1,004.29	983.93	20.36	94,649.96	15,059.70	6,871.89
299	904.29	770.22	134.07	109,843.73	50,961.37	1,004.29	986.48	17.81	94,667.77	15,175.96	5,885.41
300	904.29	772.21	132.07	109,975.81	50,189.15	1,004.29	989.04	15.25	94,683.02	15,292.78	4,896.37
Year 25 Completed - Top of Page, Short Cuts
Month	Payment	Principal	Interest	Total Interest	Balance	Payment With Extra	Principal	Interest	Total Interest	Interest Saved	Balance
301	904.29	774.22	130.07	110,105.88	49,414.94	1,004.29	991.60	12.69	94,695.71	15,410.16	3,904.77
302	904.29	776.22	128.07	110,233.95	48,638.72	1,004.29	994.17	10.12	94,705.83	15,528.11	2,910.60
303	904.29	778.23	126.06	110,360.00	47,860.48	1,004.29	996.75	7.54	94,713.38	15,646.62	1,913.86
304	904.29	780.25	124.04	110,484.04	47,080.23	1,004.29	999.33	4.96	94,718.34	15,765.70	914.53
305	904.29	782.27	122.02	110,606.06	46,297.96	916.90	914.53	2.37	94,720.71	15,885.35	0.00

Loan Paid off in Year 25.

Total Interest Based on 30 Year Loan with No Extra Payment $114,043.98.

Total Interest Saved with Pre-Payment is $19,323.27