Long-tail Landing

Calcolatore Mutuo

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

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

Updated: 20/02/2026, 22:05:14

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Loan amount

315.000,00 USD

Monthly P&I

1915,61 USD

Escrow + HOA / mo

466,67 USD

Full housing cost / mo

2582,28 USD

Payoff term

20y 7m

Interest saved

52.260,87 USD

Snapshot

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

Amortization Schedule (Accelerated)

MonthPaymentPrincipalInterestBalance
12115,61
698,11
1417,50314.301,89
22115,61
701,25
1414,36313.600,64
32115,61
704,41
1411,20312.896,23
42115,61
707,58
1408,03312.188,66
52115,61
710,76
1404,85311.477,90
62115,61
713,96
1401,65310.763,94
72115,61
717,17
1398,44310.046,77
82115,61
720,40
1395,21309.326,37
92115,61
723,64
1391,97308.602,73
102115,61
726,90
1388,71307.875,83
112115,61
730,17
1385,44307.145,66
122115,61
733,45
1382,16306.412,21
132115,61
736,75
1378,85305.675,45
142115,61
740,07
1375,54304.935,38
152115,61
743,40
1372,21304.191,98
162115,61
746,75
1368,86303.445,24
172115,61
750,11
1365,50302.695,13
182115,61
753,48
1362,13301.941,65
192115,61
756,87
1358,74301.184,78
202115,61
760,28
1355,33300.424,50
212115,61
763,70
1351,91299.660,80
222115,61
767,14
1348,47298.893,67
232115,61
770,59
1345,02298.123,08
242115,61
774,06
1341,55297.349,03
252115,61
777,54
1338,07296.571,49
262115,61
781,04
1334,57295.790,45
272115,61
784,55
1331,06295.005,90
282115,61
788,08
1327,53294.217,81
292115,61
791,63
1323,98293.426,19
302115,61
795,19
1320,42292.630,99
312115,61
798,77
1316,84291.832,22
322115,61
802,36
1313,25291.029,86
332115,61
805,97
1309,63290.223,89
342115,61
809,60
1306,01289.414,28
352115,61
813,24
1302,36288.601,04
362115,61
816,90
1298,70287.784,13
372115,61
820,58
1295,03286.963,55
382115,61
824,27
1291,34286.139,28
392115,61
827,98
1287,63285.311,30
402115,61
831,71
1283,90284.479,59
412115,61
835,45
1280,16283.644,14
422115,61
839,21
1276,40282.804,93
432115,61
842,99
1272,62281.961,94
442115,61
846,78
1268,83281.115,16
452115,61
850,59
1265,02280.264,57
462115,61
854,42
1261,19279.410,15
472115,61
858,26
1257,35278.551,89
482115,61
862,13
1253,48277.689,76
492115,61
866,01
1249,60276.823,76
502115,61
869,90
1245,71275.953,85
512115,61
873,82
1241,79275.080,04
522115,61
877,75
1237,86274.202,29
532115,61
881,70
1233,91273.320,59
542115,61
885,67
1229,94272.434,92
552115,61
889,65
1225,96271.545,27
562115,61
893,66
1221,95270.651,61
572115,61
897,68
1217,93269.753,94
582115,61
901,72
1213,89268.852,22
592115,61
905,77
1209,83267.946,45
602115,61
909,85
1205,76267.036,60
Showing first and last rows. Hidden rows: 127.
1882115,61
1616,45
499,16109.307,75
1892115,61
1623,72
491,88107.684,02
1902115,61
1631,03
484,58106.052,99
1912115,61
1638,37
477,24104.414,62
1922115,61
1645,74
469,87102.768,88
1932115,61
1653,15
462,46101.115,73
1942115,61
1660,59
455,0299.455,14
1952115,61
1668,06
447,5597.787,08
1962115,61
1675,57
440,0496.111,51
1972115,61
1683,11
432,5094.428,40
1982115,61
1690,68
424,9392.737,72
1992115,61
1698,29
417,3291.039,43
2002115,61
1705,93
409,6889.333,50
2012115,61
1713,61
402,0087.619,89
2022115,61
1721,32
394,2985.898,57
2032115,61
1729,07
386,5484.169,51
2042115,61
1736,85
378,7682.432,66
2052115,61
1744,66
370,9580.688,00
2062115,61
1752,51
363,1078.935,49
2072115,61
1760,40
355,2177.175,09
2082115,61
1768,32
347,2975.406,77
2092115,61
1776,28
339,3373.630,49
2102115,61
1784,27
331,3471.846,21
2112115,61
1792,30
323,3170.053,91
2122115,61
1800,37
315,2468.253,55
2132115,61
1808,47
307,1466.445,08
2142115,61
1816,61
299,0064.628,47
2152115,61
1824,78
290,8362.803,69
2162115,61
1832,99
282,6260.970,70
2172115,61
1841,24
274,3759.129,46
2182115,61
1849,53
266,0857.279,93
2192115,61
1857,85
257,7655.422,08
2202115,61
1866,21
249,4053.555,87
2212115,61
1874,61
241,0051.681,26
2222115,61
1883,04
232,5749.798,22
2232115,61
1891,52
224,0947.906,70
2242115,61
1900,03
215,5846.006,67
2252115,61
1908,58
207,0344.098,09
2262115,61
1917,17
198,4442.180,93
2272115,61
1925,80
189,8140.255,13
2282115,61
1934,46
181,1538.320,67
2292115,61
1943,17
172,4436.377,50
2302115,61
1951,91
163,7034.425,59
2312115,61
1960,69
154,9232.464,90
2322115,61
1969,52
146,0930.495,38
2332115,61
1978,38
137,2328.517,00
2342115,61
1987,28
128,3326.529,72
2352115,61
1996,23
119,3824.533,49
2362115,61
2005,21
110,4022.528,29
2372115,61
2014,23
101,3820.514,05
2382115,61
2023,30
92,3118.490,76
2392115,61
2032,40
83,2116.458,36
2402115,61
2041,55
74,0614.416,81
2412115,61
2050,73
64,8812.366,08
2422115,61
2059,96
55,6510.306,11
2432115,61
2069,23
46,388236,88
2442115,61
2078,54
37,076158,34
2452115,61
2087,90
27,714070,44
2462115,61
2097,29
18,321973,15
2471982,03
1973,15
8,880,00

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