Long-tail Landing

Hypothekenrechner

/mortgage-calculator/350000/10/5.4/25/1/900/100/200

Mortgage estimate for a 350.000,00 $ property over 25 years with escrow and early-payoff analysis.

Updated: 20.2.2026, 22:11:47

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Loan amount

315.000,00 $

Monthly P&I

1.915,61 $

Escrow + HOA / mo

466,67 $

Full housing cost / mo

2.582,28 $

Payoff term

20y 7m

Interest saved

52.260,87 $

Snapshot

  • Down payment (10,00%): 35.000,00 $
  • LTV ratio: 90,00%
  • Property tax monthly (1,00%): 291,67 $
  • Insurance monthly: 75,00 $
  • Baseline payoff: 25y 0m
  • Time saved: 53 months
  • Baseline interest: 259.682,77 $
  • Interest with extra payments: 207.421,90 $

Amortization Schedule (Accelerated)

MonthPaymentPrincipalInterestBalance
12.115,61
698,11
1.417,50314.301,89
22.115,61
701,25
1.414,36313.600,64
32.115,61
704,41
1.411,20312.896,23
42.115,61
707,58
1.408,03312.188,66
52.115,61
710,76
1.404,85311.477,90
62.115,61
713,96
1.401,65310.763,94
72.115,61
717,17
1.398,44310.046,77
82.115,61
720,40
1.395,21309.326,37
92.115,61
723,64
1.391,97308.602,73
102.115,61
726,90
1.388,71307.875,83
112.115,61
730,17
1.385,44307.145,66
122.115,61
733,45
1.382,16306.412,21
132.115,61
736,75
1.378,85305.675,45
142.115,61
740,07
1.375,54304.935,38
152.115,61
743,40
1.372,21304.191,98
162.115,61
746,75
1.368,86303.445,24
172.115,61
750,11
1.365,50302.695,13
182.115,61
753,48
1.362,13301.941,65
192.115,61
756,87
1.358,74301.184,78
202.115,61
760,28
1.355,33300.424,50
212.115,61
763,70
1.351,91299.660,80
222.115,61
767,14
1.348,47298.893,67
232.115,61
770,59
1.345,02298.123,08
242.115,61
774,06
1.341,55297.349,03
252.115,61
777,54
1.338,07296.571,49
262.115,61
781,04
1.334,57295.790,45
272.115,61
784,55
1.331,06295.005,90
282.115,61
788,08
1.327,53294.217,81
292.115,61
791,63
1.323,98293.426,19
302.115,61
795,19
1.320,42292.630,99
312.115,61
798,77
1.316,84291.832,22
322.115,61
802,36
1.313,25291.029,86
332.115,61
805,97
1.309,63290.223,89
342.115,61
809,60
1.306,01289.414,28
352.115,61
813,24
1.302,36288.601,04
362.115,61
816,90
1.298,70287.784,13
372.115,61
820,58
1.295,03286.963,55
382.115,61
824,27
1.291,34286.139,28
392.115,61
827,98
1.287,63285.311,30
402.115,61
831,71
1.283,90284.479,59
412.115,61
835,45
1.280,16283.644,14
422.115,61
839,21
1.276,40282.804,93
432.115,61
842,99
1.272,62281.961,94
442.115,61
846,78
1.268,83281.115,16
452.115,61
850,59
1.265,02280.264,57
462.115,61
854,42
1.261,19279.410,15
472.115,61
858,26
1.257,35278.551,89
482.115,61
862,13
1.253,48277.689,76
492.115,61
866,01
1.249,60276.823,76
502.115,61
869,90
1.245,71275.953,85
512.115,61
873,82
1.241,79275.080,04
522.115,61
877,75
1.237,86274.202,29
532.115,61
881,70
1.233,91273.320,59
542.115,61
885,67
1.229,94272.434,92
552.115,61
889,65
1.225,96271.545,27
562.115,61
893,66
1.221,95270.651,61
572.115,61
897,68
1.217,93269.753,94
582.115,61
901,72
1.213,89268.852,22
592.115,61
905,77
1.209,83267.946,45
602.115,61
909,85
1.205,76267.036,60
Showing first and last rows. Hidden rows: 127.
1882.115,61
1.616,45
499,16109.307,75
1892.115,61
1.623,72
491,88107.684,02
1902.115,61
1.631,03
484,58106.052,99
1912.115,61
1.638,37
477,24104.414,62
1922.115,61
1.645,74
469,87102.768,88
1932.115,61
1.653,15
462,46101.115,73
1942.115,61
1.660,59
455,0299.455,14
1952.115,61
1.668,06
447,5597.787,08
1962.115,61
1.675,57
440,0496.111,51
1972.115,61
1.683,11
432,5094.428,40
1982.115,61
1.690,68
424,9392.737,72
1992.115,61
1.698,29
417,3291.039,43
2002.115,61
1.705,93
409,6889.333,50
2012.115,61
1.713,61
402,0087.619,89
2022.115,61
1.721,32
394,2985.898,57
2032.115,61
1.729,07
386,5484.169,51
2042.115,61
1.736,85
378,7682.432,66
2052.115,61
1.744,66
370,9580.688,00
2062.115,61
1.752,51
363,1078.935,49
2072.115,61
1.760,40
355,2177.175,09
2082.115,61
1.768,32
347,2975.406,77
2092.115,61
1.776,28
339,3373.630,49
2102.115,61
1.784,27
331,3471.846,21
2112.115,61
1.792,30
323,3170.053,91
2122.115,61
1.800,37
315,2468.253,55
2132.115,61
1.808,47
307,1466.445,08
2142.115,61
1.816,61
299,0064.628,47
2152.115,61
1.824,78
290,8362.803,69
2162.115,61
1.832,99
282,6260.970,70
2172.115,61
1.841,24
274,3759.129,46
2182.115,61
1.849,53
266,0857.279,93
2192.115,61
1.857,85
257,7655.422,08
2202.115,61
1.866,21
249,4053.555,87
2212.115,61
1.874,61
241,0051.681,26
2222.115,61
1.883,04
232,5749.798,22
2232.115,61
1.891,52
224,0947.906,70
2242.115,61
1.900,03
215,5846.006,67
2252.115,61
1.908,58
207,0344.098,09
2262.115,61
1.917,17
198,4442.180,93
2272.115,61
1.925,80
189,8140.255,13
2282.115,61
1.934,46
181,1538.320,67
2292.115,61
1.943,17
172,4436.377,50
2302.115,61
1.951,91
163,7034.425,59
2312.115,61
1.960,69
154,9232.464,90
2322.115,61
1.969,52
146,0930.495,38
2332.115,61
1.978,38
137,2328.517,00
2342.115,61
1.987,28
128,3326.529,72
2352.115,61
1.996,23
119,3824.533,49
2362.115,61
2.005,21
110,4022.528,29
2372.115,61
2.014,23
101,3820.514,05
2382.115,61
2.023,30
92,3118.490,76
2392.115,61
2.032,40
83,2116.458,36
2402.115,61
2.041,55
74,0614.416,81
2412.115,61
2.050,73
64,8812.366,08
2422.115,61
2.059,96
55,6510.306,11
2432.115,61
2.069,23
46,388.236,88
2442.115,61
2.078,54
37,076.158,34
2452.115,61
2.087,90
27,714.070,44
2462.115,61
2.097,29
18,321.973,15
2471.982,03
1.973,15
8,880,00

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