Long-tail Landing

Mortgage Calculator

/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: 2/20/2026, 10:09:28 PM

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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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