10 Year Interest-Only 5/1 ARM
Here is an example of a 5/1 ARM with a 10 year interest-only period. Homeowners who plan to move within 5 to 10 years may find the flexibility of this mortgage appealing.
Scroll down to review the amortization schedule for the stable and worst case interest rate scenarios. After reviewing this example, use the interest-only mortgage calculator to help you decide if an interest-only mortgage meets your needs.
In the worst case, the minimum monthly payment would increase $750 to $1,800 after 5 years and when the mortgage is fully amortized in year 11, the payment would increase again to $2,109. There would be adjustments between 5 and 10 years as well. If rates are stable, the minimum monthly payment would remain unchanged at $1,050 for the first 10 years and in year 11, the payment would increase more than 30% to $1,396.
| Stable | Worst | ▲ | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Month | Interest Rate |
Index Rate |
Payment | Interest | Principal | Balance | Interest Rate |
Index Rate |
Payment | Interest | Principal | Balance |
| 1 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 |
| 2 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 3 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 4 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 5 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 6 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 7 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 8 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 9 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 10 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 11 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 12 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| Year 1 | $12,600 | $12,600 | $0 | $12,600 | $12,600 | $0 | ||||||
| 13 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 14 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 15 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 16 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 17 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 18 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 19 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 20 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 21 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 22 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 23 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 24 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| Year 2 | $12,600 | $12,600 | $0 | $12,600 | $12,600 | $0 | ||||||
| 25 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 26 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 27 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 28 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 29 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 30 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 31 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 32 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 33 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 34 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 35 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 36 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| Year 3 | $12,600 | $12,600 | $0 | $12,600 | $12,600 | $0 | ||||||
| 37 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 38 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 39 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 40 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 41 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 42 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 43 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 44 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 45 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 46 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 47 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 48 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| Year 4 | $12,600 | $12,600 | $0 | $12,600 | $12,600 | $0 | ||||||
| 49 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 50 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 51 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 52 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 53 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 54 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 55 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 56 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 57 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 58 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 59 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| 60 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 7.000% | 13.000% | $1,050 | $1,050 | $0 | $180,000 |
| Year 5 | $12,600 | $12,600 | $0 | $12,600 | $12,600 | $0 | ||||||
| 61 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 12.000% | 13.000% | $1,800 | $1,800 | $0 | $180,000 |
| 62 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 12.000% | 13.000% | $1,800 | $1,800 | $0 | $180,000 |
| 63 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 12.000% | 13.000% | $1,800 | $1,800 | $0 | $180,000 |
| 64 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 12.000% | 13.000% | $1,800 | $1,800 | $0 | $180,000 |
| 65 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 12.000% | 13.000% | $1,800 | $1,800 | $0 | $180,000 |
| 66 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 12.000% | 13.000% | $1,800 | $1,800 | $0 | $180,000 |
| 67 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 12.000% | 13.000% | $1,800 | $1,800 | $0 | $180,000 |
| 68 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 12.000% | 13.000% | $1,800 | $1,800 | $0 | $180,000 |
| 69 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 12.000% | 13.000% | $1,800 | $1,800 | $0 | $180,000 |
| 70 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 12.000% | 13.000% | $1,800 | $1,800 | $0 | $180,000 |
| 71 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 12.000% | 13.000% | $1,800 | $1,800 | $0 | $180,000 |
| 72 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 12.000% | 13.000% | $1,800 | $1,800 | $0 | $180,000 |
| Year 6 | $12,600 | $12,600 | $0 | $21,600 | $21,600 | $0 | ||||||
| 73 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 74 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 75 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 76 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 77 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 78 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 79 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 80 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 81 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 82 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 83 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 84 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| Year 7 | $12,600 | $12,600 | $0 | $23,400 | $23,400 | $0 | ||||||
| 85 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 86 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 87 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 88 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 89 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 90 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 91 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 92 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 93 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 94 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 95 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 96 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| Year 8 | $12,600 | $12,600 | $0 | $23,400 | $23,400 | $0 | ||||||
| 97 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 98 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 99 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 100 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 101 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 102 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 103 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 104 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 105 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 106 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 107 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 108 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| Year 9 | $12,600 | $12,600 | $0 | $23,400 | $23,400 | $0 | ||||||
| 109 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 110 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 111 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 112 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 113 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 114 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 115 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 116 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 117 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 118 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 119 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| 120 | 7.000% | 5.200% | $1,050 | $1,050 | $0 | $180,000 | 13.000% | 13.000% | $1,950 | $1,950 | $0 | $180,000 |
| Year 10 | $12,600 | $12,600 | $0 | $23,400 | $23,400 | $0 | ||||||
| 121 | 7.000% | 5.200% | $1,396 | $1,050 | $346 | $179,654 | 13.000% | 13.000% | $2,109 | $1,950 | $159 | $179,841 |
| 122 | 7.000% | 5.200% | $1,396 | $1,048 | $348 | $179,307 | 13.000% | 13.000% | $2,109 | $1,948 | $161 | $179,681 |
| 123 | 7.000% | 5.200% | $1,396 | $1,046 | $350 | $178,957 | 13.000% | 13.000% | $2,109 | $1,947 | $162 | $179,518 |
| 124 | 7.000% | 5.200% | $1,396 | $1,044 | $352 | $178,606 | 13.000% | 13.000% | $2,109 | $1,945 | $164 | $179,354 |
| 125 | 7.000% | 5.200% | $1,396 | $1,042 | $354 | $178,252 | 13.000% | 13.000% | $2,109 | $1,943 | $166 | $179,188 |
| 126 | 7.000% | 5.200% | $1,396 | $1,040 | $356 | $177,896 | 13.000% | 13.000% | $2,109 | $1,941 | $168 | $179,021 |
| 127 | 7.000% | 5.200% | $1,396 | $1,038 | $358 | $177,538 | 13.000% | 13.000% | $2,109 | $1,939 | $169 | $178,851 |
| 128 | 7.000% | 5.200% | $1,396 | $1,036 | $360 | $177,179 | 13.000% | 13.000% | $2,109 | $1,938 | $171 | $178,680 |
| 129 | 7.000% | 5.200% | $1,396 | $1,034 | $362 | $176,817 | 13.000% | 13.000% | $2,109 | $1,936 | $173 | $178,507 |
| 130 | 7.000% | 5.200% | $1,396 | $1,031 | $364 | $176,452 | 13.000% | 13.000% | $2,109 | $1,934 | $175 | $178,332 |
| 131 | 7.000% | 5.200% | $1,396 | $1,029 | $366 | $176,086 | 13.000% | 13.000% | $2,109 | $1,932 | $177 | $178,155 |
| 132 | 7.000% | 5.200% | $1,396 | $1,027 | $368 | $175,718 | 13.000% | 13.000% | $2,109 | $1,930 | $179 | $177,976 |
| Year 11 | $16,746 | $12,464 | $4,282 | $25,306 | $23,282 | $2,024 | ||||||
| 133 | 7.000% | 5.200% | $1,396 | $1,025 | $371 | $175,347 | 13.000% | 13.000% | $2,109 | $1,928 | $181 | $177,795 |
| 134 | 7.000% | 5.200% | $1,396 | $1,023 | $373 | $174,975 | 13.000% | 13.000% | $2,109 | $1,926 | $183 | $177,613 |
| 135 | 7.000% | 5.200% | $1,396 | $1,021 | $375 | $174,600 | 13.000% | 13.000% | $2,109 | $1,924 | $185 | $177,428 |
| 136 | 7.000% | 5.200% | $1,396 | $1,018 | $377 | $174,223 | 13.000% | 13.000% | $2,109 | $1,922 | $187 | $177,241 |
| 137 | 7.000% | 5.200% | $1,396 | $1,016 | $379 | $173,844 | 13.000% | 13.000% | $2,109 | $1,920 | $189 | $177,053 |
| 138 | 7.000% | 5.200% | $1,396 | $1,014 | $381 | $173,462 | 13.000% | 13.000% | $2,109 | $1,918 | $191 | $176,862 |
| 139 | 7.000% | 5.200% | $1,396 | $1,012 | $384 | $173,078 | 13.000% | 13.000% | $2,109 | $1,916 | $193 | $176,669 |
| 140 | 7.000% | 5.200% | $1,396 | $1,010 | $386 | $172,692 | 13.000% | 13.000% | $2,109 | $1,914 | $195 | $176,474 |
| 141 | 7.000% | 5.200% | $1,396 | $1,007 | $388 | $172,304 | 13.000% | 13.000% | $2,109 | $1,912 | $197 | $176,277 |
| 142 | 7.000% | 5.200% | $1,396 | $1,005 | $390 | $171,914 | 13.000% | 13.000% | $2,109 | $1,910 | $199 | $176,078 |
| 143 | 7.000% | 5.200% | $1,396 | $1,003 | $393 | $171,521 | 13.000% | 13.000% | $2,109 | $1,908 | $201 | $175,876 |
| 144 | 7.000% | 5.200% | $1,396 | $1,001 | $395 | $171,126 | 13.000% | 13.000% | $2,109 | $1,905 | $204 | $175,673 |
| Year 12 | $16,746 | $12,155 | $4,592 | $25,306 | $23,003 | $2,303 | ||||||
| 145 | 7.000% | 5.200% | $1,396 | $998 | $397 | $170,729 | 13.000% | 13.000% | $2,109 | $1,903 | $206 | $175,467 |
| 146 | 7.000% | 5.200% | $1,396 | $996 | $400 | $170,329 | 13.000% | 13.000% | $2,109 | $1,901 | $208 | $175,259 |
| 147 | 7.000% | 5.200% | $1,396 | $994 | $402 | $169,927 | 13.000% | 13.000% | $2,109 | $1,899 | $210 | $175,049 |
| 148 | 7.000% | 5.200% | $1,396 | $991 | $404 | $169,523 | 13.000% | 13.000% | $2,109 | $1,896 | $212 | $174,837 |
| 149 | 7.000% | 5.200% | $1,396 | $989 | $407 | $169,116 | 13.000% | 13.000% | $2,109 | $1,894 | $215 | $174,622 |
| 150 | 7.000% | 5.200% | $1,396 | $987 | $409 | $168,707 | 13.000% | 13.000% | $2,109 | $1,892 | $217 | $174,405 |
| 151 | 7.000% | 5.200% | $1,396 | $984 | $411 | $168,296 | 13.000% | 13.000% | $2,109 | $1,889 | $219 | $174,185 |
| 152 | 7.000% | 5.200% | $1,396 | $982 | $414 | $167,882 | 13.000% | 13.000% | $2,109 | $1,887 | $222 | $173,963 |
| 153 | 7.000% | 5.200% | $1,396 | $979 | $416 | $167,466 | 13.000% | 13.000% | $2,109 | $1,885 | $224 | $173,739 |
| 154 | 7.000% | 5.200% | $1,396 | $977 | $419 | $167,047 | 13.000% | 13.000% | $2,109 | $1,882 | $227 | $173,512 |
| 155 | 7.000% | 5.200% | $1,396 | $974 | $421 | $166,626 | 13.000% | 13.000% | $2,109 | $1,880 | $229 | $173,283 |
| 156 | 7.000% | 5.200% | $1,396 | $972 | $424 | $166,203 | 13.000% | 13.000% | $2,109 | $1,877 | $232 | $173,052 |
| Year 13 | $16,746 | $11,823 | $4,924 | $25,306 | $22,685 | $2,621 | ||||||
| 157 | 7.000% | 5.200% | $1,396 | $970 | $426 | $165,777 | 13.000% | 13.000% | $2,109 | $1,875 | $234 | $172,818 |
| 158 | 7.000% | 5.200% | $1,396 | $967 | $429 | $165,348 | 13.000% | 13.000% | $2,109 | $1,872 | $237 | $172,581 |
| 159 | 7.000% | 5.200% | $1,396 | $965 | $431 | $164,917 | 13.000% | 13.000% | $2,109 | $1,870 | $239 | $172,342 |
| 160 | 7.000% | 5.200% | $1,396 | $962 | $434 | $164,483 | 13.000% | 13.000% | $2,109 | $1,867 | $242 | $172,100 |
| 161 | 7.000% | 5.200% | $1,396 | $959 | $436 | $164,047 | 13.000% | 13.000% | $2,109 | $1,864 | $244 | $171,856 |
| 162 | 7.000% | 5.200% | $1,396 | $957 | $439 | $163,609 | 13.000% | 13.000% | $2,109 | $1,862 | $247 | $171,609 |
| 163 | 7.000% | 5.200% | $1,396 | $954 | $441 | $163,168 | 13.000% | 13.000% | $2,109 | $1,859 | $250 | $171,359 |
| 164 | 7.000% | 5.200% | $1,396 | $952 | $444 | $162,724 | 13.000% | 13.000% | $2,109 | $1,856 | $252 | $171,106 |
| 165 | 7.000% | 5.200% | $1,396 | $949 | $446 | $162,278 | 13.000% | 13.000% | $2,109 | $1,854 | $255 | $170,851 |
| 166 | 7.000% | 5.200% | $1,396 | $947 | $449 | $161,829 | 13.000% | 13.000% | $2,109 | $1,851 | $258 | $170,593 |
| 167 | 7.000% | 5.200% | $1,396 | $944 | $452 | $161,377 | 13.000% | 13.000% | $2,109 | $1,848 | $261 | $170,332 |
| 168 | 7.000% | 5.200% | $1,396 | $941 | $454 | $160,923 | 13.000% | 13.000% | $2,109 | $1,845 | $264 | $170,069 |
| Year 14 | $16,746 | $11,467 | $5,280 | $25,306 | $22,323 | $2,983 | ||||||
| 169 | 7.000% | 5.200% | $1,396 | $939 | $457 | $160,466 | 13.000% | 13.000% | $2,109 | $1,842 | $266 | $169,802 |
| 170 | 7.000% | 5.200% | $1,396 | $936 | $459 | $160,007 | 13.000% | 13.000% | $2,109 | $1,840 | $269 | $169,533 |
| 171 | 7.000% | 5.200% | $1,396 | $933 | $462 | $159,545 | 13.000% | 13.000% | $2,109 | $1,837 | $272 | $169,261 |
| 172 | 7.000% | 5.200% | $1,396 | $931 | $465 | $159,080 | 13.000% | 13.000% | $2,109 | $1,834 | $275 | $168,986 |
| 173 | 7.000% | 5.200% | $1,396 | $928 | $468 | $158,612 | 13.000% | 13.000% | $2,109 | $1,831 | $278 | $168,708 |
| 174 | 7.000% | 5.200% | $1,396 | $925 | $470 | $158,142 | 13.000% | 13.000% | $2,109 | $1,828 | $281 | $168,426 |
| 175 | 7.000% | 5.200% | $1,396 | $922 | $473 | $157,669 | 13.000% | 13.000% | $2,109 | $1,825 | $284 | $168,142 |
| 176 | 7.000% | 5.200% | $1,396 | $920 | $476 | $157,193 | 13.000% | 13.000% | $2,109 | $1,822 | $287 | $167,855 |
| 177 | 7.000% | 5.200% | $1,396 | $917 | $479 | $156,714 | 13.000% | 13.000% | $2,109 | $1,818 | $290 | $167,564 |
| 178 | 7.000% | 5.200% | $1,396 | $914 | $481 | $156,233 | 13.000% | 13.000% | $2,109 | $1,815 | $294 | $167,271 |
| 179 | 7.000% | 5.200% | $1,396 | $911 | $484 | $155,749 | 13.000% | 13.000% | $2,109 | $1,812 | $297 | $166,974 |
| 180 | 7.000% | 5.200% | $1,396 | $909 | $487 | $155,262 | 13.000% | 13.000% | $2,109 | $1,809 | $300 | $166,674 |
| Year 15 | $16,746 | $11,085 | $5,661 | $25,306 | $21,911 | $3,395 | ||||||
| 181 | 7.000% | 5.200% | $1,396 | $906 | $490 | $154,772 | 13.000% | 13.000% | $2,109 | $1,806 | $303 | $166,371 |
| 182 | 7.000% | 5.200% | $1,396 | $903 | $493 | $154,279 | 13.000% | 13.000% | $2,109 | $1,802 | $306 | $166,065 |
| 183 | 7.000% | 5.200% | $1,396 | $900 | $496 | $153,784 | 13.000% | 13.000% | $2,109 | $1,799 | $310 | $165,755 |
| 184 | 7.000% | 5.200% | $1,396 | $897 | $498 | $153,285 | 13.000% | 13.000% | $2,109 | $1,796 | $313 | $165,442 |
| 185 | 7.000% | 5.200% | $1,396 | $894 | $501 | $152,784 | 13.000% | 13.000% | $2,109 | $1,792 | $317 | $165,125 |
| 186 | 7.000% | 5.200% | $1,396 | $891 | $504 | $152,280 | 13.000% | 13.000% | $2,109 | $1,789 | $320 | $164,805 |
| 187 | 7.000% | 5.200% | $1,396 | $888 | $507 | $151,772 | 13.000% | 13.000% | $2,109 | $1,785 | $323 | $164,482 |
| 188 | 7.000% | 5.200% | $1,396 | $885 | $510 | $151,262 | 13.000% | 13.000% | $2,109 | $1,782 | $327 | $164,155 |
| 189 | 7.000% | 5.200% | $1,396 | $882 | $513 | $150,749 | 13.000% | 13.000% | $2,109 | $1,778 | $331 | $163,824 |
| 190 | 7.000% | 5.200% | $1,396 | $879 | $516 | $150,233 | 13.000% | 13.000% | $2,109 | $1,775 | $334 | $163,490 |
| 191 | 7.000% | 5.200% | $1,396 | $876 | $519 | $149,714 | 13.000% | 13.000% | $2,109 | $1,771 | $338 | $163,152 |
| 192 | 7.000% | 5.200% | $1,396 | $873 | $522 | $149,191 | 13.000% | 13.000% | $2,109 | $1,767 | $341 | $162,811 |
| Year 16 | $16,746 | $10,676 | $6,070 | $25,306 | $21,443 | $3,863 | ||||||
| 193 | 7.000% | 5.200% | $1,396 | $870 | $525 | $148,666 | 13.000% | 13.000% | $2,109 | $1,764 | $345 | $162,466 |
| 194 | 7.000% | 5.200% | $1,396 | $867 | $528 | $148,138 | 13.000% | 13.000% | $2,109 | $1,760 | $349 | $162,117 |
| 195 | 7.000% | 5.200% | $1,396 | $864 | $531 | $147,606 | 13.000% | 13.000% | $2,109 | $1,756 | $353 | $161,765 |
| 196 | 7.000% | 5.200% | $1,396 | $861 | $534 | $147,072 | 13.000% | 13.000% | $2,109 | $1,752 | $356 | $161,408 |
| 197 | 7.000% | 5.200% | $1,396 | $858 | $538 | $146,534 | 13.000% | 13.000% | $2,109 | $1,749 | $360 | $161,048 |
| 198 | 7.000% | 5.200% | $1,396 | $855 | $541 | $145,993 | 13.000% | 13.000% | $2,109 | $1,745 | $364 | $160,684 |
| 199 | 7.000% | 5.200% | $1,396 | $852 | $544 | $145,450 | 13.000% | 13.000% | $2,109 | $1,741 | $368 | $160,316 |
| 200 | 7.000% | 5.200% | $1,396 | $848 | $547 | $144,902 | 13.000% | 13.000% | $2,109 | $1,737 | $372 | $159,944 |
| 201 | 7.000% | 5.200% | $1,396 | $845 | $550 | $144,352 | 13.000% | 13.000% | $2,109 | $1,733 | $376 | $159,567 |
| 202 | 7.000% | 5.200% | $1,396 | $842 | $553 | $143,799 | 13.000% | 13.000% | $2,109 | $1,729 | $380 | $159,187 |
| 203 | 7.000% | 5.200% | $1,396 | $839 | $557 | $143,242 | 13.000% | 13.000% | $2,109 | $1,725 | $384 | $158,803 |
| 204 | 7.000% | 5.200% | $1,396 | $836 | $560 | $142,682 | 13.000% | 13.000% | $2,109 | $1,720 | $388 | $158,414 |
| Year 17 | $16,746 | $10,237 | $6,509 | $25,306 | $20,910 | $4,396 | ||||||
| 205 | 7.000% | 5.200% | $1,396 | $832 | $563 | $142,119 | 13.000% | 13.000% | $2,109 | $1,716 | $393 | $158,022 |
| 206 | 7.000% | 5.200% | $1,396 | $829 | $567 | $141,552 | 13.000% | 13.000% | $2,109 | $1,712 | $397 | $157,625 |
| 207 | 7.000% | 5.200% | $1,396 | $826 | $570 | $140,982 | 13.000% | 13.000% | $2,109 | $1,708 | $401 | $157,224 |
| 208 | 7.000% | 5.200% | $1,396 | $822 | $573 | $140,409 | 13.000% | 13.000% | $2,109 | $1,703 | $406 | $156,818 |
| 209 | 7.000% | 5.200% | $1,396 | $819 | $576 | $139,833 | 13.000% | 13.000% | $2,109 | $1,699 | $410 | $156,408 |
| 210 | 7.000% | 5.200% | $1,396 | $816 | $580 | $139,253 | 13.000% | 13.000% | $2,109 | $1,694 | $414 | $155,994 |
| 211 | 7.000% | 5.200% | $1,396 | $812 | $583 | $138,670 | 13.000% | 13.000% | $2,109 | $1,690 | $419 | $155,575 |
| 212 | 7.000% | 5.200% | $1,396 | $809 | $587 | $138,083 | 13.000% | 13.000% | $2,109 | $1,685 | $423 | $155,151 |
| 213 | 7.000% | 5.200% | $1,396 | $805 | $590 | $137,493 | 13.000% | 13.000% | $2,109 | $1,681 | $428 | $154,723 |
| 214 | 7.000% | 5.200% | $1,396 | $802 | $594 | $136,900 | 13.000% | 13.000% | $2,109 | $1,676 | $433 | $154,291 |
| 215 | 7.000% | 5.200% | $1,396 | $799 | $597 | $136,303 | 13.000% | 13.000% | $2,109 | $1,671 | $437 | $153,853 |
| 216 | 7.000% | 5.200% | $1,396 | $795 | $600 | $135,702 | 13.000% | 13.000% | $2,109 | $1,667 | $442 | $153,411 |
| Year 18 | $16,746 | $9,767 | $6,980 | $25,306 | $20,303 | $5,003 | ||||||
| 217 | 7.000% | 5.200% | $1,396 | $792 | $604 | $135,098 | 13.000% | 13.000% | $2,109 | $1,662 | $447 | $152,964 |
| 218 | 7.000% | 5.200% | $1,396 | $788 | $607 | $134,491 | 13.000% | 13.000% | $2,109 | $1,657 | $452 | $152,512 |
| 219 | 7.000% | 5.200% | $1,396 | $785 | $611 | $133,880 | 13.000% | 13.000% | $2,109 | $1,652 | $457 | $152,056 |
| 220 | 7.000% | 5.200% | $1,396 | $781 | $615 | $133,265 | 13.000% | 13.000% | $2,109 | $1,647 | $462 | $151,594 |
| 221 | 7.000% | 5.200% | $1,396 | $777 | $618 | $132,647 | 13.000% | 13.000% | $2,109 | $1,642 | $467 | $151,128 |
| 222 | 7.000% | 5.200% | $1,396 | $774 | $622 | $132,025 | 13.000% | 13.000% | $2,109 | $1,637 | $472 | $150,656 |
| 223 | 7.000% | 5.200% | $1,396 | $770 | $625 | $131,400 | 13.000% | 13.000% | $2,109 | $1,632 | $477 | $150,179 |
| 224 | 7.000% | 5.200% | $1,396 | $766 | $629 | $130,771 | 13.000% | 13.000% | $2,109 | $1,627 | $482 | $149,697 |
| 225 | 7.000% | 5.200% | $1,396 | $763 | $633 | $130,138 | 13.000% | 13.000% | $2,109 | $1,622 | $487 | $149,210 |
| 226 | 7.000% | 5.200% | $1,396 | $759 | $636 | $129,502 | 13.000% | 13.000% | $2,109 | $1,616 | $492 | $148,718 |
| 227 | 7.000% | 5.200% | $1,396 | $755 | $640 | $128,862 | 13.000% | 13.000% | $2,109 | $1,611 | $498 | $148,220 |
| 228 | 7.000% | 5.200% | $1,396 | $752 | $644 | $128,218 | 13.000% | 13.000% | $2,109 | $1,606 | $503 | $147,717 |
| Year 19 | $16,746 | $9,262 | $7,484 | $25,306 | $19,612 | $5,694 | ||||||
| 229 | 7.000% | 5.200% | $1,396 | $748 | $648 | $127,570 | 13.000% | 13.000% | $2,109 | $1,600 | $509 | $147,209 |
| 230 | 7.000% | 5.200% | $1,396 | $744 | $651 | $126,919 | 13.000% | 13.000% | $2,109 | $1,595 | $514 | $146,694 |
| 231 | 7.000% | 5.200% | $1,396 | $740 | $655 | $126,264 | 13.000% | 13.000% | $2,109 | $1,589 | $520 | $146,175 |
| 232 | 7.000% | 5.200% | $1,396 | $737 | $659 | $125,605 | 13.000% | 13.000% | $2,109 | $1,584 | $525 | $145,650 |
| 233 | 7.000% | 5.200% | $1,396 | $733 | $663 | $124,942 | 13.000% | 13.000% | $2,109 | $1,578 | $531 | $145,119 |
| 234 | 7.000% | 5.200% | $1,396 | $729 | $667 | $124,275 | 13.000% | 13.000% | $2,109 | $1,572 | $537 | $144,582 |
| 235 | 7.000% | 5.200% | $1,396 | $725 | $671 | $123,604 | 13.000% | 13.000% | $2,109 | $1,566 | $543 | $144,039 |
| 236 | 7.000% | 5.200% | $1,396 | $721 | $675 | $122,930 | 13.000% | 13.000% | $2,109 | $1,560 | $548 | $143,491 |
| 237 | 7.000% | 5.200% | $1,396 | $717 | $678 | $122,251 | 13.000% | 13.000% | $2,109 | $1,554 | $554 | $142,937 |
| 238 | 7.000% | 5.200% | $1,396 | $713 | $682 | $121,569 | 13.000% | 13.000% | $2,109 | $1,548 | $560 | $142,376 |
| 239 | 7.000% | 5.200% | $1,396 | $709 | $686 | $120,883 | 13.000% | 13.000% | $2,109 | $1,542 | $566 | $141,810 |
| 240 | 7.000% | 5.200% | $1,396 | $705 | $690 | $120,192 | 13.000% | 13.000% | $2,109 | $1,536 | $573 | $141,237 |
| Year 20 | $16,746 | $8,721 | $8,025 | $25,306 | $18,826 | $6,480 | ||||||
| 241 | 7.000% | 5.200% | $1,396 | $701 | $694 | $119,498 | 13.000% | 13.000% | $2,109 | $1,530 | $579 | $140,658 |
| 242 | 7.000% | 5.200% | $1,396 | $697 | $698 | $118,799 | 13.000% | 13.000% | $2,109 | $1,524 | $585 | $140,073 |
| 243 | 7.000% | 5.200% | $1,396 | $693 | $703 | $118,097 | 13.000% | 13.000% | $2,109 | $1,517 | $591 | $139,482 |
| 244 | 7.000% | 5.200% | $1,396 | $689 | $707 | $117,390 | 13.000% | 13.000% | $2,109 | $1,511 | $598 | $138,884 |
| 245 | 7.000% | 5.200% | $1,396 | $685 | $711 | $116,679 | 13.000% | 13.000% | $2,109 | $1,505 | $604 | $138,280 |
| 246 | 7.000% | 5.200% | $1,396 | $681 | $715 | $115,965 | 13.000% | 13.000% | $2,109 | $1,498 | $611 | $137,669 |
| 247 | 7.000% | 5.200% | $1,396 | $676 | $719 | $115,245 | 13.000% | 13.000% | $2,109 | $1,491 | $617 | $137,052 |
| 248 | 7.000% | 5.200% | $1,396 | $672 | $723 | $114,522 | 13.000% | 13.000% | $2,109 | $1,485 | $624 | $136,428 |
| 249 | 7.000% | 5.200% | $1,396 | $668 | $727 | $113,795 | 13.000% | 13.000% | $2,109 | $1,478 | $631 | $135,797 |
| 250 | 7.000% | 5.200% | $1,396 | $664 | $732 | $113,063 | 13.000% | 13.000% | $2,109 | $1,471 | $638 | $135,159 |
| 251 | 7.000% | 5.200% | $1,396 | $660 | $736 | $112,327 | 13.000% | 13.000% | $2,109 | $1,464 | $645 | $134,514 |
| 252 | 7.000% | 5.200% | $1,396 | $655 | $740 | $111,587 | 13.000% | 13.000% | $2,109 | $1,457 | $652 | $133,863 |
| Year 21 | $16,746 | $8,141 | $8,606 | $25,306 | $17,932 | $7,374 | ||||||
| 253 | 7.000% | 5.200% | $1,396 | $651 | $745 | $110,842 | 13.000% | 13.000% | $2,109 | $1,450 | $659 | $133,204 |
| 254 | 7.000% | 5.200% | $1,396 | $647 | $749 | $110,093 | 13.000% | 13.000% | $2,109 | $1,443 | $666 | $132,538 |
| 255 | 7.000% | 5.200% | $1,396 | $642 | $753 | $109,340 | 13.000% | 13.000% | $2,109 | $1,436 | $673 | $131,865 |
| 256 | 7.000% | 5.200% | $1,396 | $638 | $758 | $108,582 | 13.000% | 13.000% | $2,109 | $1,429 | $680 | $131,185 |
| 257 | 7.000% | 5.200% | $1,396 | $633 | $762 | $107,820 | 13.000% | 13.000% | $2,109 | $1,421 | $688 | $130,497 |
| 258 | 7.000% | 5.200% | $1,396 | $629 | $767 | $107,053 | 13.000% | 13.000% | $2,109 | $1,414 | $695 | $129,802 |
| 259 | 7.000% | 5.200% | $1,396 | $624 | $771 | $106,282 | 13.000% | 13.000% | $2,109 | $1,406 | $703 | $129,100 |
| 260 | 7.000% | 5.200% | $1,396 | $620 | $776 | $105,507 | 13.000% | 13.000% | $2,109 | $1,399 | $710 | $128,389 |
| 261 | 7.000% | 5.200% | $1,396 | $615 | $780 | $104,727 | 13.000% | 13.000% | $2,109 | $1,391 | $718 | $127,671 |
| 262 | 7.000% | 5.200% | $1,396 | $611 | $785 | $103,942 | 13.000% | 13.000% | $2,109 | $1,383 | $726 | $126,946 |
| 263 | 7.000% | 5.200% | $1,396 | $606 | $789 | $103,153 | 13.000% | 13.000% | $2,109 | $1,375 | $734 | $126,212 |
| 264 | 7.000% | 5.200% | $1,396 | $602 | $794 | $102,359 | 13.000% | 13.000% | $2,109 | $1,367 | $742 | $125,470 |
| Year 22 | $16,746 | $7,519 | $9,228 | $25,306 | $16,914 | $8,392 | ||||||
| 265 | 7.000% | 5.200% | $1,396 | $597 | $798 | $101,560 | 13.000% | 13.000% | $2,109 | $1,359 | $750 | $124,721 |
| 266 | 7.000% | 5.200% | $1,396 | $592 | $803 | $100,757 | 13.000% | 13.000% | $2,109 | $1,351 | $758 | $123,963 |
| 267 | 7.000% | 5.200% | $1,396 | $588 | $808 | $99,950 | 13.000% | 13.000% | $2,109 | $1,343 | $766 | $123,197 |
| 268 | 7.000% | 5.200% | $1,396 | $583 | $812 | $99,137 | 13.000% | 13.000% | $2,109 | $1,335 | $774 | $122,423 |
| 269 | 7.000% | 5.200% | $1,396 | $578 | $817 | $98,320 | 13.000% | 13.000% | $2,109 | $1,326 | $783 | $121,641 |
| 270 | 7.000% | 5.200% | $1,396 | $574 | $822 | $97,498 | 13.000% | 13.000% | $2,109 | $1,318 | $791 | $120,849 |
| 271 | 7.000% | 5.200% | $1,396 | $569 | $827 | $96,671 | 13.000% | 13.000% | $2,109 | $1,309 | $800 | $120,050 |
| 272 | 7.000% | 5.200% | $1,396 | $564 | $832 | $95,839 | 13.000% | 13.000% | $2,109 | $1,301 | $808 | $119,242 |
| 273 | 7.000% | 5.200% | $1,396 | $559 | $836 | $95,003 | 13.000% | 13.000% | $2,109 | $1,292 | $817 | $118,424 |
| 274 | 7.000% | 5.200% | $1,396 | $554 | $841 | $94,162 | 13.000% | 13.000% | $2,109 | $1,283 | $826 | $117,599 |
| 275 | 7.000% | 5.200% | $1,396 | $549 | $846 | $93,315 | 13.000% | 13.000% | $2,109 | $1,274 | $835 | $116,764 |
| 276 | 7.000% | 5.200% | $1,396 | $544 | $851 | $92,464 | 13.000% | 13.000% | $2,109 | $1,265 | $844 | $115,920 |
| Year 23 | $16,746 | $6,852 | $9,895 | $25,306 | $15,755 | $9,551 | ||||||
| 277 | 7.000% | 5.200% | $1,396 | $539 | $856 | $91,608 | 13.000% | 13.000% | $2,109 | $1,256 | $853 | $115,067 |
| 278 | 7.000% | 5.200% | $1,396 | $534 | $861 | $90,747 | 13.000% | 13.000% | $2,109 | $1,247 | $862 | $114,204 |
| 279 | 7.000% | 5.200% | $1,396 | $529 | $866 | $89,881 | 13.000% | 13.000% | $2,109 | $1,237 | $872 | $113,333 |
| 280 | 7.000% | 5.200% | $1,396 | $524 | $871 | $89,009 | 13.000% | 13.000% | $2,109 | $1,228 | $881 | $112,452 |
| 281 | 7.000% | 5.200% | $1,396 | $519 | $876 | $88,133 | 13.000% | 13.000% | $2,109 | $1,218 | $891 | $111,561 |
| 282 | 7.000% | 5.200% | $1,396 | $514 | $881 | $87,252 | 13.000% | 13.000% | $2,109 | $1,209 | $900 | $110,661 |
| 283 | 7.000% | 5.200% | $1,396 | $509 | $887 | $86,365 | 13.000% | 13.000% | $2,109 | $1,199 | $910 | $109,751 |
| 284 | 7.000% | 5.200% | $1,396 | $504 | $892 | $85,473 | 13.000% | 13.000% | $2,109 | $1,189 | $920 | $108,831 |
| 285 | 7.000% | 5.200% | $1,396 | $499 | $897 | $84,576 | 13.000% | 13.000% | $2,109 | $1,179 | $930 | $107,901 |
| 286 | 7.000% | 5.200% | $1,396 | $493 | $902 | $83,674 | 13.000% | 13.000% | $2,109 | $1,169 | $940 | $106,961 |
| 287 | 7.000% | 5.200% | $1,396 | $488 | $907 | $82,767 | 13.000% | 13.000% | $2,109 | $1,159 | $950 | $106,011 |
| 288 | 7.000% | 5.200% | $1,396 | $483 | $913 | $81,854 | 13.000% | 13.000% | $2,109 | $1,148 | $960 | $105,051 |
| Year 24 | $16,746 | $6,136 | $10,610 | $25,306 | $14,437 | $10,869 | ||||||
| 289 | 7.000% | 5.200% | $1,396 | $477 | $918 | $80,936 | 13.000% | 13.000% | $2,109 | $1,138 | $971 | $104,080 |
| 290 | 7.000% | 5.200% | $1,396 | $472 | $923 | $80,013 | 13.000% | 13.000% | $2,109 | $1,128 | $981 | $103,099 |
| 291 | 7.000% | 5.200% | $1,396 | $467 | $929 | $79,084 | 13.000% | 13.000% | $2,109 | $1,117 | $992 | $102,107 |
| 292 | 7.000% | 5.200% | $1,396 | $461 | $934 | $78,150 | 13.000% | 13.000% | $2,109 | $1,106 | $1,003 | $101,104 |
| 293 | 7.000% | 5.200% | $1,396 | $456 | $940 | $77,210 | 13.000% | 13.000% | $2,109 | $1,095 | $1,014 | $100,090 |
| 294 | 7.000% | 5.200% | $1,396 | $450 | $945 | $76,265 | 13.000% | 13.000% | $2,109 | $1,084 | $1,025 | $99,066 |
| 295 | 7.000% | 5.200% | $1,396 | $445 | $951 | $75,314 | 13.000% | 13.000% | $2,109 | $1,073 | $1,036 | $98,030 |
| 296 | 7.000% | 5.200% | $1,396 | $439 | $956 | $74,358 | 13.000% | 13.000% | $2,109 | $1,062 | $1,047 | $96,984 |
| 297 | 7.000% | 5.200% | $1,396 | $434 | $962 | $73,396 | 13.000% | 13.000% | $2,109 | $1,051 | $1,058 | $95,925 |
| 298 | 7.000% | 5.200% | $1,396 | $428 | $967 | $72,429 | 13.000% | 13.000% | $2,109 | $1,039 | $1,070 | $94,856 |
| 299 | 7.000% | 5.200% | $1,396 | $422 | $973 | $71,456 | 13.000% | 13.000% | $2,109 | $1,028 | $1,081 | $93,774 |
| 300 | 7.000% | 5.200% | $1,396 | $417 | $979 | $70,477 | 13.000% | 13.000% | $2,109 | $1,016 | $1,093 | $92,681 |
| Year 25 | $16,746 | $5,369 | $11,377 | $25,306 | $12,937 | $12,369 | ||||||
| 301 | 7.000% | 5.200% | $1,396 | $411 | $984 | $69,492 | 13.000% | 13.000% | $2,109 | $1,004 | $1,105 | $91,577 |
| 302 | 7.000% | 5.200% | $1,396 | $405 | $990 | $68,502 | 13.000% | 13.000% | $2,109 | $992 | $1,117 | $90,460 |
| 303 | 7.000% | 5.200% | $1,396 | $400 | $996 | $67,506 | 13.000% | 13.000% | $2,109 | $980 | $1,129 | $89,331 |
| 304 | 7.000% | 5.200% | $1,396 | $394 | $1,002 | $66,505 | 13.000% | 13.000% | $2,109 | $968 | $1,141 | $88,190 |
| 305 | 7.000% | 5.200% | $1,396 | $388 | $1,008 | $65,497 | 13.000% | 13.000% | $2,109 | $955 | $1,153 | $87,037 |
| 306 | 7.000% | 5.200% | $1,396 | $382 | $1,013 | $64,484 | 13.000% | 13.000% | $2,109 | $943 | $1,166 | $85,871 |
| 307 | 7.000% | 5.200% | $1,396 | $376 | $1,019 | $63,464 | 13.000% | 13.000% | $2,109 | $930 | $1,179 | $84,692 |
| 308 | 7.000% | 5.200% | $1,396 | $370 | $1,025 | $62,439 | 13.000% | 13.000% | $2,109 | $918 | $1,191 | $83,501 |
| 309 | 7.000% | 5.200% | $1,396 | $364 | $1,031 | $61,407 | 13.000% | 13.000% | $2,109 | $905 | $1,204 | $82,296 |
| 310 | 7.000% | 5.200% | $1,396 | $358 | $1,037 | $60,370 | 13.000% | 13.000% | $2,109 | $892 | $1,217 | $81,079 |
| 311 | 7.000% | 5.200% | $1,396 | $352 | $1,043 | $59,327 | 13.000% | 13.000% | $2,109 | $878 | $1,230 | $79,849 |
| 312 | 7.000% | 5.200% | $1,396 | $346 | $1,049 | $58,277 | 13.000% | 13.000% | $2,109 | $865 | $1,244 | $78,605 |
| Year 26 | $16,746 | $4,547 | $12,200 | $25,306 | $11,229 | $14,077 | ||||||
| 313 | 7.000% | 5.200% | $1,396 | $340 | $1,056 | $57,222 | 13.000% | 13.000% | $2,109 | $852 | $1,257 | $77,348 |
| 314 | 7.000% | 5.200% | $1,396 | $334 | $1,062 | $56,160 | 13.000% | 13.000% | $2,109 | $838 | $1,271 | $76,077 |
| 315 | 7.000% | 5.200% | $1,396 | $328 | $1,068 | $55,092 | 13.000% | 13.000% | $2,109 | $824 | $1,285 | $74,792 |
| 316 | 7.000% | 5.200% | $1,396 | $321 | $1,074 | $54,018 | 13.000% | 13.000% | $2,109 | $810 | $1,299 | $73,493 |
| 317 | 7.000% | 5.200% | $1,396 | $315 | $1,080 | $52,937 | 13.000% | 13.000% | $2,109 | $796 | $1,313 | $72,181 |
| 318 | 7.000% | 5.200% | $1,396 | $309 | $1,087 | $51,851 | 13.000% | 13.000% | $2,109 | $782 | $1,327 | $70,854 |
| 319 | 7.000% | 5.200% | $1,396 | $302 | $1,093 | $50,758 | 13.000% | 13.000% | $2,109 | $768 | $1,341 | $69,513 |
| 320 | 7.000% | 5.200% | $1,396 | $296 | $1,099 | $49,658 | 13.000% | 13.000% | $2,109 | $753 | $1,356 | $68,157 |
| 321 | 7.000% | 5.200% | $1,396 | $290 | $1,106 | $48,552 | 13.000% | 13.000% | $2,109 | $738 | $1,370 | $66,786 |
| 322 | 7.000% | 5.200% | $1,396 | $283 | $1,112 | $47,440 | 13.000% | 13.000% | $2,109 | $724 | $1,385 | $65,401 |
| 323 | 7.000% | 5.200% | $1,396 | $277 | $1,119 | $46,321 | 13.000% | 13.000% | $2,109 | $709 | $1,400 | $64,001 |
| 324 | 7.000% | 5.200% | $1,396 | $270 | $1,125 | $45,196 | 13.000% | 13.000% | $2,109 | $693 | $1,416 | $62,585 |
| Year 27 | $16,746 | $3,665 | $13,081 | $25,306 | $9,286 | $16,020 | ||||||
| 325 | 7.000% | 5.200% | $1,396 | $264 | $1,132 | $44,064 | 13.000% | 13.000% | $2,109 | $678 | $1,431 | $61,154 |
| 326 | 7.000% | 5.200% | $1,396 | $257 | $1,138 | $42,925 | 13.000% | 13.000% | $2,109 | $662 | $1,446 | $59,708 |
| 327 | 7.000% | 5.200% | $1,396 | $250 | $1,145 | $41,780 | 13.000% | 13.000% | $2,109 | $647 | $1,462 | $58,246 |
| 328 | 7.000% | 5.200% | $1,396 | $244 | $1,152 | $40,628 | 13.000% | 13.000% | $2,109 | $631 | $1,478 | $56,768 |
| 329 | 7.000% | 5.200% | $1,396 | $237 | $1,159 | $39,470 | 13.000% | 13.000% | $2,109 | $615 | $1,494 | $55,274 |
| 330 | 7.000% | 5.200% | $1,396 | $230 | $1,165 | $38,305 | 13.000% | 13.000% | $2,109 | $599 | $1,510 | $53,764 |
| 331 | 7.000% | 5.200% | $1,396 | $223 | $1,172 | $37,133 | 13.000% | 13.000% | $2,109 | $582 | $1,526 | $52,238 |
| 332 | 7.000% | 5.200% | $1,396 | $217 | $1,179 | $35,954 | 13.000% | 13.000% | $2,109 | $566 | $1,543 | $50,695 |
| 333 | 7.000% | 5.200% | $1,396 | $210 | $1,186 | $34,768 | 13.000% | 13.000% | $2,109 | $549 | $1,560 | $49,135 |
| 334 | 7.000% | 5.200% | $1,396 | $203 | $1,193 | $33,575 | 13.000% | 13.000% | $2,109 | $532 | $1,577 | $47,559 |
| 335 | 7.000% | 5.200% | $1,396 | $196 | $1,200 | $32,375 | 13.000% | 13.000% | $2,109 | $515 | $1,594 | $45,965 |
| 336 | 7.000% | 5.200% | $1,396 | $189 | $1,207 | $31,169 | 13.000% | 13.000% | $2,109 | $498 | $1,611 | $44,354 |
| Year 28 | $16,746 | $2,719 | $14,027 | $25,306 | $7,075 | $18,231 | ||||||
| 337 | 7.000% | 5.200% | $1,396 | $182 | $1,214 | $29,955 | 13.000% | 13.000% | $2,109 | $480 | $1,628 | $42,726 |
| 338 | 7.000% | 5.200% | $1,396 | $175 | $1,221 | $28,734 | 13.000% | 13.000% | $2,109 | $463 | $1,646 | $41,080 |
| 339 | 7.000% | 5.200% | $1,396 | $168 | $1,228 | $27,506 | 13.000% | 13.000% | $2,109 | $445 | $1,664 | $39,416 |
| 340 | 7.000% | 5.200% | $1,396 | $160 | $1,235 | $26,271 | 13.000% | 13.000% | $2,109 | $427 | $1,682 | $37,734 |
| 341 | 7.000% | 5.200% | $1,396 | $153 | $1,242 | $25,029 | 13.000% | 13.000% | $2,109 | $409 | $1,700 | $36,034 |
| 342 | 7.000% | 5.200% | $1,396 | $146 | $1,250 | $23,779 | 13.000% | 13.000% | $2,109 | $390 | $1,718 | $34,316 |
| 343 | 7.000% | 5.200% | $1,396 | $139 | $1,257 | $22,522 | 13.000% | 13.000% | $2,109 | $372 | $1,737 | $32,579 |
| 344 | 7.000% | 5.200% | $1,396 | $131 | $1,264 | $21,258 | 13.000% | 13.000% | $2,109 | $353 | $1,756 | $30,823 |
| 345 | 7.000% | 5.200% | $1,396 | $124 | $1,272 | $19,987 | 13.000% | 13.000% | $2,109 | $334 | $1,775 | $29,048 |
| 346 | 7.000% | 5.200% | $1,396 | $117 | $1,279 | $18,708 | 13.000% | 13.000% | $2,109 | $315 | $1,794 | $27,254 |
| 347 | 7.000% | 5.200% | $1,396 | $109 | $1,286 | $17,421 | 13.000% | 13.000% | $2,109 | $295 | $1,814 | $25,440 |
| 348 | 7.000% | 5.200% | $1,396 | $102 | $1,294 | $16,128 | 13.000% | 13.000% | $2,109 | $276 | $1,833 | $23,607 |
| Year 29 | $16,746 | $1,705 | $15,041 | $25,306 | $4,559 | $20,747 | ||||||
| 349 | 7.000% | 5.200% | $1,396 | $94 | $1,301 | $14,826 | 13.000% | 13.000% | $2,109 | $256 | $1,853 | $21,754 |
| 350 | 7.000% | 5.200% | $1,396 | $86 | $1,309 | $13,517 | 13.000% | 13.000% | $2,109 | $236 | $1,873 | $19,881 |
| 351 | 7.000% | 5.200% | $1,396 | $79 | $1,317 | $12,200 | 13.000% | 13.000% | $2,109 | $215 | $1,893 | $17,987 |
| 352 | 7.000% | 5.200% | $1,396 | $71 | $1,324 | $10,876 | 13.000% | 13.000% | $2,109 | $195 | $1,914 | $16,073 |
| 353 | 7.000% | 5.200% | $1,396 | $63 | $1,332 | $9,544 | 13.000% | 13.000% | $2,109 | $174 | $1,935 | $14,138 |
| 354 | 7.000% | 5.200% | $1,396 | $56 | $1,340 | $8,204 | 13.000% | 13.000% | $2,109 | $153 | $1,956 | $12,183 |
| 355 | 7.000% | 5.200% | $1,396 | $48 | $1,348 | $6,856 | 13.000% | 13.000% | $2,109 | $132 | $1,977 | $10,206 |
| 356 | 7.000% | 5.200% | $1,396 | $40 | $1,356 | $5,501 | 13.000% | 13.000% | $2,109 | $111 | $1,998 | $8,208 |
| 357 | 7.000% | 5.200% | $1,396 | $32 | $1,363 | $4,137 | 13.000% | 13.000% | $2,109 | $89 | $2,020 | $6,188 |
| 358 | 7.000% | 5.200% | $1,396 | $24 | $1,371 | $2,766 | 13.000% | 13.000% | $2,109 | $67 | $2,042 | $4,146 |
| 359 | 7.000% | 5.200% | $1,396 | $16 | $1,379 | $1,386 | 13.000% | 13.000% | $2,109 | $45 | $2,064 | $2,082 |
| 360 | 7.000% | 5.200% | $1,395 | $8 | $1,386 | $0 | 13.000% | 13.000% | $2,104 | $23 | $2,082 | $0 |
| Year 30 | $16,746 | $618 | $16,128 | $25,302 | $1,695 | $23,607 | ||||||
| Grand Total | $460,929 | $280,929 | $180,000 | $684,317 | $504,317 | $180,000 |
Fixed-Rate Interest-Only Mortgages
Interest-Only ARMs With Interest-Only Periods Matching Fixed-Rate Period
Interest-Only ARMs With Interest-Only Periods Longer Than Fixed-Rate Period
Mortgage Calculator - Help
- Amortization Schedule
- The amortization schedule show you how monthly principal and interest payment and principal balances change over the life of your loan.
- Floor Rate
- Floor rate is the minimum interest rate for an adjustable rate mortgage (ARM).
- Index Rate
- Rate Adjustment on ARMs are based on the index rate, the margin, the adjustment schedule, interest rate caps, and floor rate specified in your loan documents. Index rates change over time. They should be published and widely available. Common indexes used for setting mortgage rates have include the Prime Rate, Libor (London Interbank Offer Rate) and U.S. Treasury Rates.
- Interest
- The portion of your mortgage payment that is due to the interest rate being applied to the principal balance. The Total Interest for a mortgage is the sum of all interest paid over the life of a loan.
- Interest Only
- Interest-only mortgages allow borrowers to make interest-only payments for a specific period of time. Required mortgage payments can be significantly lower during the interest-only period since the borrower is not required to pay down the principal balance during that time. However, the borrower is taking on more risk since the balance is not being paid down. Interest-Only Mortgages come in a wide variety of types, including both fixed and adjustable rate mortgages.
- Interest Rate Adjustments
- The interest rate changes on an adjustable rate mortage (ARM) during adjustment periods specified in your loan documents. Your interest rate may have a fixed period where it does not change followed by adjustements on a regularly scheduled basis. For example, the interest rate on a mortgage could be fixed for 2 years followed by adjustments every 6 months.
- Interest Rate Caps
- Limits how much your interest rate can be increased during each adjustment period for an ARM. The cap for the first adjustment period may be different than the cap on subsequent adjustments. There also may be a maximim overall cap on interest rate increases during the life of your loan.
- Interest Rate Scenarios
- To decide if an adjustable rate mortgage is right for you, you should how changes in interest rates will effect the mortgage. The adjustable rate mortgage calculator shows you how your payment changes in the best case where rates are set at the minimum for your mortgage, the worst case where rates are set at the maximum for your mortgage, and the stable case where rates remain constant for your mortgage.
- Loan Amount
- The initial principal balance or your mortgage at closing.
- Margin
- When an ARM adjusts the margin is added to the index rate to help determine your interest rate. Interest rate caps and the floor rate for your mortgage may limit how much your actual interest rate changes. The margin typically is fixed for the life of the loan. It should be clearly specified in your loan documents.
- Payment Shock
- Occurs when the required minimum payment for a mortgage increases significantly. This can occur on adjustable rate mortgage when interest rates rise sharply, on interest-only mortgages when the interest-only period ends, and on balloon mortgages when the balloon payment is due.
- Principal
- The portion of your mortgage payment that is used to pay down the current balance of your mortgage. The principal balance represents how much you owe on the mortgage.
- Start Rate
- The initial interest rate on an Adjustable Rate Mortgage.
- Term
- The amortization term is one of the key factors that determine your required mortgage payment. Your required mortgage payment for fully amortizing mortgages is the amount that would result in the mortgage being closest to being paid off by the end of the amortization term. Longer amortization terms result in lower required mortgage payments for fully amortizating mortgages, all other things being equal.