# 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.

Interest-Only Calculator
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.
StableWorst
MonthInterest
Rate
Index
Rate
Payment Interest Principal BalanceInterest
Rate
Index
Rate
Payment Interest Principal Balance
17.000%5.200%\$1,050\$1,050\$0\$180,0007.000%5.200%\$1,050\$1,050\$0\$180,000
27.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
37.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
47.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
57.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
67.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
77.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
87.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
97.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
107.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
117.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
127.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
Year 1  \$12,600\$12,600\$0   \$12,600\$12,600\$0
137.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
147.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
157.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
167.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
177.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
187.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
197.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
207.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
217.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
227.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
237.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
247.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
Year 2  \$12,600\$12,600\$0   \$12,600\$12,600\$0
257.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
267.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
277.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
287.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
297.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
307.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
317.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
327.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
337.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
347.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
357.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
367.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
Year 3  \$12,600\$12,600\$0   \$12,600\$12,600\$0
377.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
387.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
397.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
407.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
417.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
427.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
437.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
447.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
457.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
467.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
477.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
487.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
Year 4  \$12,600\$12,600\$0   \$12,600\$12,600\$0
497.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
507.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
517.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
527.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
537.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
547.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
557.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
567.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
577.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
587.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
597.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
607.000%5.200%\$1,050\$1,050\$0\$180,0007.000%13.000%\$1,050\$1,050\$0\$180,000
Year 5  \$12,600\$12,600\$0   \$12,600\$12,600\$0
617.000%5.200%\$1,050\$1,050\$0\$180,00012.000%13.000%\$1,800\$1,800\$0\$180,000
627.000%5.200%\$1,050\$1,050\$0\$180,00012.000%13.000%\$1,800\$1,800\$0\$180,000
637.000%5.200%\$1,050\$1,050\$0\$180,00012.000%13.000%\$1,800\$1,800\$0\$180,000
647.000%5.200%\$1,050\$1,050\$0\$180,00012.000%13.000%\$1,800\$1,800\$0\$180,000
657.000%5.200%\$1,050\$1,050\$0\$180,00012.000%13.000%\$1,800\$1,800\$0\$180,000
667.000%5.200%\$1,050\$1,050\$0\$180,00012.000%13.000%\$1,800\$1,800\$0\$180,000
677.000%5.200%\$1,050\$1,050\$0\$180,00012.000%13.000%\$1,800\$1,800\$0\$180,000
687.000%5.200%\$1,050\$1,050\$0\$180,00012.000%13.000%\$1,800\$1,800\$0\$180,000
697.000%5.200%\$1,050\$1,050\$0\$180,00012.000%13.000%\$1,800\$1,800\$0\$180,000
707.000%5.200%\$1,050\$1,050\$0\$180,00012.000%13.000%\$1,800\$1,800\$0\$180,000
717.000%5.200%\$1,050\$1,050\$0\$180,00012.000%13.000%\$1,800\$1,800\$0\$180,000
727.000%5.200%\$1,050\$1,050\$0\$180,00012.000%13.000%\$1,800\$1,800\$0\$180,000
Year 6  \$12,600\$12,600\$0   \$21,600\$21,600\$0
737.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
747.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
757.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
767.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
777.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
787.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
797.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
807.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
817.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
827.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
837.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
847.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
Year 7  \$12,600\$12,600\$0   \$23,400\$23,400\$0
857.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
867.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
877.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
887.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
897.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
907.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
917.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
927.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
937.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
947.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
957.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
967.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
Year 8  \$12,600\$12,600\$0   \$23,400\$23,400\$0
977.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
987.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
997.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1007.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1017.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1027.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1037.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1047.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1057.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1067.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1077.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1087.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
Year 9  \$12,600\$12,600\$0   \$23,400\$23,400\$0
1097.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1107.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1117.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1127.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1137.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1147.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1157.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1167.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1177.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1187.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1197.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
1207.000%5.200%\$1,050\$1,050\$0\$180,00013.000%13.000%\$1,950\$1,950\$0\$180,000
Year 10  \$12,600\$12,600\$0   \$23,400\$23,400\$0
1217.000%5.200%\$1,396\$1,050\$346\$179,65413.000%13.000%\$2,109\$1,950\$159\$179,841
1227.000%5.200%\$1,396\$1,048\$348\$179,30713.000%13.000%\$2,109\$1,948\$161\$179,681
1237.000%5.200%\$1,396\$1,046\$350\$178,95713.000%13.000%\$2,109\$1,947\$162\$179,518
1247.000%5.200%\$1,396\$1,044\$352\$178,60613.000%13.000%\$2,109\$1,945\$164\$179,354
1257.000%5.200%\$1,396\$1,042\$354\$178,25213.000%13.000%\$2,109\$1,943\$166\$179,188
1267.000%5.200%\$1,396\$1,040\$356\$177,89613.000%13.000%\$2,109\$1,941\$168\$179,021
1277.000%5.200%\$1,396\$1,038\$358\$177,53813.000%13.000%\$2,109\$1,939\$169\$178,851
1287.000%5.200%\$1,396\$1,036\$360\$177,17913.000%13.000%\$2,109\$1,938\$171\$178,680
1297.000%5.200%\$1,396\$1,034\$362\$176,81713.000%13.000%\$2,109\$1,936\$173\$178,507
1307.000%5.200%\$1,396\$1,031\$364\$176,45213.000%13.000%\$2,109\$1,934\$175\$178,332
1317.000%5.200%\$1,396\$1,029\$366\$176,08613.000%13.000%\$2,109\$1,932\$177\$178,155
1327.000%5.200%\$1,396\$1,027\$368\$175,71813.000%13.000%\$2,109\$1,930\$179\$177,976
Year 11  \$16,746\$12,464\$4,282   \$25,306\$23,282\$2,024
1337.000%5.200%\$1,396\$1,025\$371\$175,34713.000%13.000%\$2,109\$1,928\$181\$177,795
1347.000%5.200%\$1,396\$1,023\$373\$174,97513.000%13.000%\$2,109\$1,926\$183\$177,613
1357.000%5.200%\$1,396\$1,021\$375\$174,60013.000%13.000%\$2,109\$1,924\$185\$177,428
1367.000%5.200%\$1,396\$1,018\$377\$174,22313.000%13.000%\$2,109\$1,922\$187\$177,241
1377.000%5.200%\$1,396\$1,016\$379\$173,84413.000%13.000%\$2,109\$1,920\$189\$177,053
1387.000%5.200%\$1,396\$1,014\$381\$173,46213.000%13.000%\$2,109\$1,918\$191\$176,862
1397.000%5.200%\$1,396\$1,012\$384\$173,07813.000%13.000%\$2,109\$1,916\$193\$176,669
1407.000%5.200%\$1,396\$1,010\$386\$172,69213.000%13.000%\$2,109\$1,914\$195\$176,474
1417.000%5.200%\$1,396\$1,007\$388\$172,30413.000%13.000%\$2,109\$1,912\$197\$176,277
1427.000%5.200%\$1,396\$1,005\$390\$171,91413.000%13.000%\$2,109\$1,910\$199\$176,078
1437.000%5.200%\$1,396\$1,003\$393\$171,52113.000%13.000%\$2,109\$1,908\$201\$175,876
1447.000%5.200%\$1,396\$1,001\$395\$171,12613.000%13.000%\$2,109\$1,905\$204\$175,673
Year 12  \$16,746\$12,155\$4,592   \$25,306\$23,003\$2,303
1457.000%5.200%\$1,396\$998\$397\$170,72913.000%13.000%\$2,109\$1,903\$206\$175,467
1467.000%5.200%\$1,396\$996\$400\$170,32913.000%13.000%\$2,109\$1,901\$208\$175,259
1477.000%5.200%\$1,396\$994\$402\$169,92713.000%13.000%\$2,109\$1,899\$210\$175,049
1487.000%5.200%\$1,396\$991\$404\$169,52313.000%13.000%\$2,109\$1,896\$212\$174,837
1497.000%5.200%\$1,396\$989\$407\$169,11613.000%13.000%\$2,109\$1,894\$215\$174,622
1507.000%5.200%\$1,396\$987\$409\$168,70713.000%13.000%\$2,109\$1,892\$217\$174,405
1517.000%5.200%\$1,396\$984\$411\$168,29613.000%13.000%\$2,109\$1,889\$219\$174,185
1527.000%5.200%\$1,396\$982\$414\$167,88213.000%13.000%\$2,109\$1,887\$222\$173,963
1537.000%5.200%\$1,396\$979\$416\$167,46613.000%13.000%\$2,109\$1,885\$224\$173,739
1547.000%5.200%\$1,396\$977\$419\$167,04713.000%13.000%\$2,109\$1,882\$227\$173,512
1557.000%5.200%\$1,396\$974\$421\$166,62613.000%13.000%\$2,109\$1,880\$229\$173,283
1567.000%5.200%\$1,396\$972\$424\$166,20313.000%13.000%\$2,109\$1,877\$232\$173,052
Year 13  \$16,746\$11,823\$4,924   \$25,306\$22,685\$2,621
1577.000%5.200%\$1,396\$970\$426\$165,77713.000%13.000%\$2,109\$1,875\$234\$172,818
1587.000%5.200%\$1,396\$967\$429\$165,34813.000%13.000%\$2,109\$1,872\$237\$172,581
1597.000%5.200%\$1,396\$965\$431\$164,91713.000%13.000%\$2,109\$1,870\$239\$172,342
1607.000%5.200%\$1,396\$962\$434\$164,48313.000%13.000%\$2,109\$1,867\$242\$172,100
1617.000%5.200%\$1,396\$959\$436\$164,04713.000%13.000%\$2,109\$1,864\$244\$171,856
1627.000%5.200%\$1,396\$957\$439\$163,60913.000%13.000%\$2,109\$1,862\$247\$171,609
1637.000%5.200%\$1,396\$954\$441\$163,16813.000%13.000%\$2,109\$1,859\$250\$171,359
1647.000%5.200%\$1,396\$952\$444\$162,72413.000%13.000%\$2,109\$1,856\$252\$171,106
1657.000%5.200%\$1,396\$949\$446\$162,27813.000%13.000%\$2,109\$1,854\$255\$170,851
1667.000%5.200%\$1,396\$947\$449\$161,82913.000%13.000%\$2,109\$1,851\$258\$170,593
1677.000%5.200%\$1,396\$944\$452\$161,37713.000%13.000%\$2,109\$1,848\$261\$170,332
1687.000%5.200%\$1,396\$941\$454\$160,92313.000%13.000%\$2,109\$1,845\$264\$170,069
Year 14  \$16,746\$11,467\$5,280   \$25,306\$22,323\$2,983
1697.000%5.200%\$1,396\$939\$457\$160,46613.000%13.000%\$2,109\$1,842\$266\$169,802
1707.000%5.200%\$1,396\$936\$459\$160,00713.000%13.000%\$2,109\$1,840\$269\$169,533
1717.000%5.200%\$1,396\$933\$462\$159,54513.000%13.000%\$2,109\$1,837\$272\$169,261
1727.000%5.200%\$1,396\$931\$465\$159,08013.000%13.000%\$2,109\$1,834\$275\$168,986
1737.000%5.200%\$1,396\$928\$468\$158,61213.000%13.000%\$2,109\$1,831\$278\$168,708
1747.000%5.200%\$1,396\$925\$470\$158,14213.000%13.000%\$2,109\$1,828\$281\$168,426
1757.000%5.200%\$1,396\$922\$473\$157,66913.000%13.000%\$2,109\$1,825\$284\$168,142
1767.000%5.200%\$1,396\$920\$476\$157,19313.000%13.000%\$2,109\$1,822\$287\$167,855
1777.000%5.200%\$1,396\$917\$479\$156,71413.000%13.000%\$2,109\$1,818\$290\$167,564
1787.000%5.200%\$1,396\$914\$481\$156,23313.000%13.000%\$2,109\$1,815\$294\$167,271
1797.000%5.200%\$1,396\$911\$484\$155,74913.000%13.000%\$2,109\$1,812\$297\$166,974
1807.000%5.200%\$1,396\$909\$487\$155,26213.000%13.000%\$2,109\$1,809\$300\$166,674
Year 15  \$16,746\$11,085\$5,661   \$25,306\$21,911\$3,395
1817.000%5.200%\$1,396\$906\$490\$154,77213.000%13.000%\$2,109\$1,806\$303\$166,371
1827.000%5.200%\$1,396\$903\$493\$154,27913.000%13.000%\$2,109\$1,802\$306\$166,065
1837.000%5.200%\$1,396\$900\$496\$153,78413.000%13.000%\$2,109\$1,799\$310\$165,755
1847.000%5.200%\$1,396\$897\$498\$153,28513.000%13.000%\$2,109\$1,796\$313\$165,442
1857.000%5.200%\$1,396\$894\$501\$152,78413.000%13.000%\$2,109\$1,792\$317\$165,125
1867.000%5.200%\$1,396\$891\$504\$152,28013.000%13.000%\$2,109\$1,789\$320\$164,805
1877.000%5.200%\$1,396\$888\$507\$151,77213.000%13.000%\$2,109\$1,785\$323\$164,482
1887.000%5.200%\$1,396\$885\$510\$151,26213.000%13.000%\$2,109\$1,782\$327\$164,155
1897.000%5.200%\$1,396\$882\$513\$150,74913.000%13.000%\$2,109\$1,778\$331\$163,824
1907.000%5.200%\$1,396\$879\$516\$150,23313.000%13.000%\$2,109\$1,775\$334\$163,490
1917.000%5.200%\$1,396\$876\$519\$149,71413.000%13.000%\$2,109\$1,771\$338\$163,152
1927.000%5.200%\$1,396\$873\$522\$149,19113.000%13.000%\$2,109\$1,767\$341\$162,811
Year 16  \$16,746\$10,676\$6,070   \$25,306\$21,443\$3,863
1937.000%5.200%\$1,396\$870\$525\$148,66613.000%13.000%\$2,109\$1,764\$345\$162,466
1947.000%5.200%\$1,396\$867\$528\$148,13813.000%13.000%\$2,109\$1,760\$349\$162,117
1957.000%5.200%\$1,396\$864\$531\$147,60613.000%13.000%\$2,109\$1,756\$353\$161,765
1967.000%5.200%\$1,396\$861\$534\$147,07213.000%13.000%\$2,109\$1,752\$356\$161,408
1977.000%5.200%\$1,396\$858\$538\$146,53413.000%13.000%\$2,109\$1,749\$360\$161,048
1987.000%5.200%\$1,396\$855\$541\$145,99313.000%13.000%\$2,109\$1,745\$364\$160,684
1997.000%5.200%\$1,396\$852\$544\$145,45013.000%13.000%\$2,109\$1,741\$368\$160,316
2007.000%5.200%\$1,396\$848\$547\$144,90213.000%13.000%\$2,109\$1,737\$372\$159,944
2017.000%5.200%\$1,396\$845\$550\$144,35213.000%13.000%\$2,109\$1,733\$376\$159,567
2027.000%5.200%\$1,396\$842\$553\$143,79913.000%13.000%\$2,109\$1,729\$380\$159,187
2037.000%5.200%\$1,396\$839\$557\$143,24213.000%13.000%\$2,109\$1,725\$384\$158,803
2047.000%5.200%\$1,396\$836\$560\$142,68213.000%13.000%\$2,109\$1,720\$388\$158,414
Year 17  \$16,746\$10,237\$6,509   \$25,306\$20,910\$4,396
2057.000%5.200%\$1,396\$832\$563\$142,11913.000%13.000%\$2,109\$1,716\$393\$158,022
2067.000%5.200%\$1,396\$829\$567\$141,55213.000%13.000%\$2,109\$1,712\$397\$157,625
2077.000%5.200%\$1,396\$826\$570\$140,98213.000%13.000%\$2,109\$1,708\$401\$157,224
2087.000%5.200%\$1,396\$822\$573\$140,40913.000%13.000%\$2,109\$1,703\$406\$156,818
2097.000%5.200%\$1,396\$819\$576\$139,83313.000%13.000%\$2,109\$1,699\$410\$156,408
2107.000%5.200%\$1,396\$816\$580\$139,25313.000%13.000%\$2,109\$1,694\$414\$155,994
2117.000%5.200%\$1,396\$812\$583\$138,67013.000%13.000%\$2,109\$1,690\$419\$155,575
2127.000%5.200%\$1,396\$809\$587\$138,08313.000%13.000%\$2,109\$1,685\$423\$155,151
2137.000%5.200%\$1,396\$805\$590\$137,49313.000%13.000%\$2,109\$1,681\$428\$154,723
2147.000%5.200%\$1,396\$802\$594\$136,90013.000%13.000%\$2,109\$1,676\$433\$154,291
2157.000%5.200%\$1,396\$799\$597\$136,30313.000%13.000%\$2,109\$1,671\$437\$153,853
2167.000%5.200%\$1,396\$795\$600\$135,70213.000%13.000%\$2,109\$1,667\$442\$153,411
Year 18  \$16,746\$9,767\$6,980   \$25,306\$20,303\$5,003
2177.000%5.200%\$1,396\$792\$604\$135,09813.000%13.000%\$2,109\$1,662\$447\$152,964
2187.000%5.200%\$1,396\$788\$607\$134,49113.000%13.000%\$2,109\$1,657\$452\$152,512
2197.000%5.200%\$1,396\$785\$611\$133,88013.000%13.000%\$2,109\$1,652\$457\$152,056
2207.000%5.200%\$1,396\$781\$615\$133,26513.000%13.000%\$2,109\$1,647\$462\$151,594
2217.000%5.200%\$1,396\$777\$618\$132,64713.000%13.000%\$2,109\$1,642\$467\$151,128
2227.000%5.200%\$1,396\$774\$622\$132,02513.000%13.000%\$2,109\$1,637\$472\$150,656
2237.000%5.200%\$1,396\$770\$625\$131,40013.000%13.000%\$2,109\$1,632\$477\$150,179
2247.000%5.200%\$1,396\$766\$629\$130,77113.000%13.000%\$2,109\$1,627\$482\$149,697
2257.000%5.200%\$1,396\$763\$633\$130,13813.000%13.000%\$2,109\$1,622\$487\$149,210
2267.000%5.200%\$1,396\$759\$636\$129,50213.000%13.000%\$2,109\$1,616\$492\$148,718
2277.000%5.200%\$1,396\$755\$640\$128,86213.000%13.000%\$2,109\$1,611\$498\$148,220
2287.000%5.200%\$1,396\$752\$644\$128,21813.000%13.000%\$2,109\$1,606\$503\$147,717
Year 19  \$16,746\$9,262\$7,484   \$25,306\$19,612\$5,694
2297.000%5.200%\$1,396\$748\$648\$127,57013.000%13.000%\$2,109\$1,600\$509\$147,209
2307.000%5.200%\$1,396\$744\$651\$126,91913.000%13.000%\$2,109\$1,595\$514\$146,694
2317.000%5.200%\$1,396\$740\$655\$126,26413.000%13.000%\$2,109\$1,589\$520\$146,175
2327.000%5.200%\$1,396\$737\$659\$125,60513.000%13.000%\$2,109\$1,584\$525\$145,650
2337.000%5.200%\$1,396\$733\$663\$124,94213.000%13.000%\$2,109\$1,578\$531\$145,119
2347.000%5.200%\$1,396\$729\$667\$124,27513.000%13.000%\$2,109\$1,572\$537\$144,582
2357.000%5.200%\$1,396\$725\$671\$123,60413.000%13.000%\$2,109\$1,566\$543\$144,039
2367.000%5.200%\$1,396\$721\$675\$122,93013.000%13.000%\$2,109\$1,560\$548\$143,491
2377.000%5.200%\$1,396\$717\$678\$122,25113.000%13.000%\$2,109\$1,554\$554\$142,937
2387.000%5.200%\$1,396\$713\$682\$121,56913.000%13.000%\$2,109\$1,548\$560\$142,376
2397.000%5.200%\$1,396\$709\$686\$120,88313.000%13.000%\$2,109\$1,542\$566\$141,810
2407.000%5.200%\$1,396\$705\$690\$120,19213.000%13.000%\$2,109\$1,536\$573\$141,237
Year 20  \$16,746\$8,721\$8,025   \$25,306\$18,826\$6,480
2417.000%5.200%\$1,396\$701\$694\$119,49813.000%13.000%\$2,109\$1,530\$579\$140,658
2427.000%5.200%\$1,396\$697\$698\$118,79913.000%13.000%\$2,109\$1,524\$585\$140,073
2437.000%5.200%\$1,396\$693\$703\$118,09713.000%13.000%\$2,109\$1,517\$591\$139,482
2447.000%5.200%\$1,396\$689\$707\$117,39013.000%13.000%\$2,109\$1,511\$598\$138,884
2457.000%5.200%\$1,396\$685\$711\$116,67913.000%13.000%\$2,109\$1,505\$604\$138,280
2467.000%5.200%\$1,396\$681\$715\$115,96513.000%13.000%\$2,109\$1,498\$611\$137,669
2477.000%5.200%\$1,396\$676\$719\$115,24513.000%13.000%\$2,109\$1,491\$617\$137,052
2487.000%5.200%\$1,396\$672\$723\$114,52213.000%13.000%\$2,109\$1,485\$624\$136,428
2497.000%5.200%\$1,396\$668\$727\$113,79513.000%13.000%\$2,109\$1,478\$631\$135,797
2507.000%5.200%\$1,396\$664\$732\$113,06313.000%13.000%\$2,109\$1,471\$638\$135,159
2517.000%5.200%\$1,396\$660\$736\$112,32713.000%13.000%\$2,109\$1,464\$645\$134,514
2527.000%5.200%\$1,396\$655\$740\$111,58713.000%13.000%\$2,109\$1,457\$652\$133,863
Year 21  \$16,746\$8,141\$8,606   \$25,306\$17,932\$7,374
2537.000%5.200%\$1,396\$651\$745\$110,84213.000%13.000%\$2,109\$1,450\$659\$133,204
2547.000%5.200%\$1,396\$647\$749\$110,09313.000%13.000%\$2,109\$1,443\$666\$132,538
2557.000%5.200%\$1,396\$642\$753\$109,34013.000%13.000%\$2,109\$1,436\$673\$131,865
2567.000%5.200%\$1,396\$638\$758\$108,58213.000%13.000%\$2,109\$1,429\$680\$131,185
2577.000%5.200%\$1,396\$633\$762\$107,82013.000%13.000%\$2,109\$1,421\$688\$130,497
2587.000%5.200%\$1,396\$629\$767\$107,05313.000%13.000%\$2,109\$1,414\$695\$129,802
2597.000%5.200%\$1,396\$624\$771\$106,28213.000%13.000%\$2,109\$1,406\$703\$129,100
2607.000%5.200%\$1,396\$620\$776\$105,50713.000%13.000%\$2,109\$1,399\$710\$128,389
2617.000%5.200%\$1,396\$615\$780\$104,72713.000%13.000%\$2,109\$1,391\$718\$127,671
2627.000%5.200%\$1,396\$611\$785\$103,94213.000%13.000%\$2,109\$1,383\$726\$126,946
2637.000%5.200%\$1,396\$606\$789\$103,15313.000%13.000%\$2,109\$1,375\$734\$126,212
2647.000%5.200%\$1,396\$602\$794\$102,35913.000%13.000%\$2,109\$1,367\$742\$125,470
Year 22  \$16,746\$7,519\$9,228   \$25,306\$16,914\$8,392
2657.000%5.200%\$1,396\$597\$798\$101,56013.000%13.000%\$2,109\$1,359\$750\$124,721
2667.000%5.200%\$1,396\$592\$803\$100,75713.000%13.000%\$2,109\$1,351\$758\$123,963
2677.000%5.200%\$1,396\$588\$808\$99,95013.000%13.000%\$2,109\$1,343\$766\$123,197
2687.000%5.200%\$1,396\$583\$812\$99,13713.000%13.000%\$2,109\$1,335\$774\$122,423
2697.000%5.200%\$1,396\$578\$817\$98,32013.000%13.000%\$2,109\$1,326\$783\$121,641
2707.000%5.200%\$1,396\$574\$822\$97,49813.000%13.000%\$2,109\$1,318\$791\$120,849
2717.000%5.200%\$1,396\$569\$827\$96,67113.000%13.000%\$2,109\$1,309\$800\$120,050
2727.000%5.200%\$1,396\$564\$832\$95,83913.000%13.000%\$2,109\$1,301\$808\$119,242
2737.000%5.200%\$1,396\$559\$836\$95,00313.000%13.000%\$2,109\$1,292\$817\$118,424
2747.000%5.200%\$1,396\$554\$841\$94,16213.000%13.000%\$2,109\$1,283\$826\$117,599
2757.000%5.200%\$1,396\$549\$846\$93,31513.000%13.000%\$2,109\$1,274\$835\$116,764
2767.000%5.200%\$1,396\$544\$851\$92,46413.000%13.000%\$2,109\$1,265\$844\$115,920
Year 23  \$16,746\$6,852\$9,895   \$25,306\$15,755\$9,551
2777.000%5.200%\$1,396\$539\$856\$91,60813.000%13.000%\$2,109\$1,256\$853\$115,067
2787.000%5.200%\$1,396\$534\$861\$90,74713.000%13.000%\$2,109\$1,247\$862\$114,204
2797.000%5.200%\$1,396\$529\$866\$89,88113.000%13.000%\$2,109\$1,237\$872\$113,333
2807.000%5.200%\$1,396\$524\$871\$89,00913.000%13.000%\$2,109\$1,228\$881\$112,452
2817.000%5.200%\$1,396\$519\$876\$88,13313.000%13.000%\$2,109\$1,218\$891\$111,561
2827.000%5.200%\$1,396\$514\$881\$87,25213.000%13.000%\$2,109\$1,209\$900\$110,661
2837.000%5.200%\$1,396\$509\$887\$86,36513.000%13.000%\$2,109\$1,199\$910\$109,751
2847.000%5.200%\$1,396\$504\$892\$85,47313.000%13.000%\$2,109\$1,189\$920\$108,831
2857.000%5.200%\$1,396\$499\$897\$84,57613.000%13.000%\$2,109\$1,179\$930\$107,901
2867.000%5.200%\$1,396\$493\$902\$83,67413.000%13.000%\$2,109\$1,169\$940\$106,961
2877.000%5.200%\$1,396\$488\$907\$82,76713.000%13.000%\$2,109\$1,159\$950\$106,011
2887.000%5.200%\$1,396\$483\$913\$81,85413.000%13.000%\$2,109\$1,148\$960\$105,051
Year 24  \$16,746\$6,136\$10,610   \$25,306\$14,437\$10,869
2897.000%5.200%\$1,396\$477\$918\$80,93613.000%13.000%\$2,109\$1,138\$971\$104,080
2907.000%5.200%\$1,396\$472\$923\$80,01313.000%13.000%\$2,109\$1,128\$981\$103,099
2917.000%5.200%\$1,396\$467\$929\$79,08413.000%13.000%\$2,109\$1,117\$992\$102,107
2927.000%5.200%\$1,396\$461\$934\$78,15013.000%13.000%\$2,109\$1,106\$1,003\$101,104
2937.000%5.200%\$1,396\$456\$940\$77,21013.000%13.000%\$2,109\$1,095\$1,014\$100,090
2947.000%5.200%\$1,396\$450\$945\$76,26513.000%13.000%\$2,109\$1,084\$1,025\$99,066
2957.000%5.200%\$1,396\$445\$951\$75,31413.000%13.000%\$2,109\$1,073\$1,036\$98,030
2967.000%5.200%\$1,396\$439\$956\$74,35813.000%13.000%\$2,109\$1,062\$1,047\$96,984
2977.000%5.200%\$1,396\$434\$962\$73,39613.000%13.000%\$2,109\$1,051\$1,058\$95,925
2987.000%5.200%\$1,396\$428\$967\$72,42913.000%13.000%\$2,109\$1,039\$1,070\$94,856
2997.000%5.200%\$1,396\$422\$973\$71,45613.000%13.000%\$2,109\$1,028\$1,081\$93,774
3007.000%5.200%\$1,396\$417\$979\$70,47713.000%13.000%\$2,109\$1,016\$1,093\$92,681
Year 25  \$16,746\$5,369\$11,377   \$25,306\$12,937\$12,369
3017.000%5.200%\$1,396\$411\$984\$69,49213.000%13.000%\$2,109\$1,004\$1,105\$91,577
3027.000%5.200%\$1,396\$405\$990\$68,50213.000%13.000%\$2,109\$992\$1,117\$90,460
3037.000%5.200%\$1,396\$400\$996\$67,50613.000%13.000%\$2,109\$980\$1,129\$89,331
3047.000%5.200%\$1,396\$394\$1,002\$66,50513.000%13.000%\$2,109\$968\$1,141\$88,190
3057.000%5.200%\$1,396\$388\$1,008\$65,49713.000%13.000%\$2,109\$955\$1,153\$87,037
3067.000%5.200%\$1,396\$382\$1,013\$64,48413.000%13.000%\$2,109\$943\$1,166\$85,871
3077.000%5.200%\$1,396\$376\$1,019\$63,46413.000%13.000%\$2,109\$930\$1,179\$84,692
3087.000%5.200%\$1,396\$370\$1,025\$62,43913.000%13.000%\$2,109\$918\$1,191\$83,501
3097.000%5.200%\$1,396\$364\$1,031\$61,40713.000%13.000%\$2,109\$905\$1,204\$82,296
3107.000%5.200%\$1,396\$358\$1,037\$60,37013.000%13.000%\$2,109\$892\$1,217\$81,079
3117.000%5.200%\$1,396\$352\$1,043\$59,32713.000%13.000%\$2,109\$878\$1,230\$79,849
3127.000%5.200%\$1,396\$346\$1,049\$58,27713.000%13.000%\$2,109\$865\$1,244\$78,605
Year 26  \$16,746\$4,547\$12,200   \$25,306\$11,229\$14,077
3137.000%5.200%\$1,396\$340\$1,056\$57,22213.000%13.000%\$2,109\$852\$1,257\$77,348
3147.000%5.200%\$1,396\$334\$1,062\$56,16013.000%13.000%\$2,109\$838\$1,271\$76,077
3157.000%5.200%\$1,396\$328\$1,068\$55,09213.000%13.000%\$2,109\$824\$1,285\$74,792
3167.000%5.200%\$1,396\$321\$1,074\$54,01813.000%13.000%\$2,109\$810\$1,299\$73,493
3177.000%5.200%\$1,396\$315\$1,080\$52,93713.000%13.000%\$2,109\$796\$1,313\$72,181
3187.000%5.200%\$1,396\$309\$1,087\$51,85113.000%13.000%\$2,109\$782\$1,327\$70,854
3197.000%5.200%\$1,396\$302\$1,093\$50,75813.000%13.000%\$2,109\$768\$1,341\$69,513
3207.000%5.200%\$1,396\$296\$1,099\$49,65813.000%13.000%\$2,109\$753\$1,356\$68,157
3217.000%5.200%\$1,396\$290\$1,106\$48,55213.000%13.000%\$2,109\$738\$1,370\$66,786
3227.000%5.200%\$1,396\$283\$1,112\$47,44013.000%13.000%\$2,109\$724\$1,385\$65,401
3237.000%5.200%\$1,396\$277\$1,119\$46,32113.000%13.000%\$2,109\$709\$1,400\$64,001
3247.000%5.200%\$1,396\$270\$1,125\$45,19613.000%13.000%\$2,109\$693\$1,416\$62,585
Year 27  \$16,746\$3,665\$13,081   \$25,306\$9,286\$16,020
3257.000%5.200%\$1,396\$264\$1,132\$44,06413.000%13.000%\$2,109\$678\$1,431\$61,154
3267.000%5.200%\$1,396\$257\$1,138\$42,92513.000%13.000%\$2,109\$662\$1,446\$59,708
3277.000%5.200%\$1,396\$250\$1,145\$41,78013.000%13.000%\$2,109\$647\$1,462\$58,246
3287.000%5.200%\$1,396\$244\$1,152\$40,62813.000%13.000%\$2,109\$631\$1,478\$56,768
3297.000%5.200%\$1,396\$237\$1,159\$39,47013.000%13.000%\$2,109\$615\$1,494\$55,274
3307.000%5.200%\$1,396\$230\$1,165\$38,30513.000%13.000%\$2,109\$599\$1,510\$53,764
3317.000%5.200%\$1,396\$223\$1,172\$37,13313.000%13.000%\$2,109\$582\$1,526\$52,238
3327.000%5.200%\$1,396\$217\$1,179\$35,95413.000%13.000%\$2,109\$566\$1,543\$50,695
3337.000%5.200%\$1,396\$210\$1,186\$34,76813.000%13.000%\$2,109\$549\$1,560\$49,135
3347.000%5.200%\$1,396\$203\$1,193\$33,57513.000%13.000%\$2,109\$532\$1,577\$47,559
3357.000%5.200%\$1,396\$196\$1,200\$32,37513.000%13.000%\$2,109\$515\$1,594\$45,965
3367.000%5.200%\$1,396\$189\$1,207\$31,16913.000%13.000%\$2,109\$498\$1,611\$44,354
Year 28  \$16,746\$2,719\$14,027   \$25,306\$7,075\$18,231
3377.000%5.200%\$1,396\$182\$1,214\$29,95513.000%13.000%\$2,109\$480\$1,628\$42,726
3387.000%5.200%\$1,396\$175\$1,221\$28,73413.000%13.000%\$2,109\$463\$1,646\$41,080
3397.000%5.200%\$1,396\$168\$1,228\$27,50613.000%13.000%\$2,109\$445\$1,664\$39,416
3407.000%5.200%\$1,396\$160\$1,235\$26,27113.000%13.000%\$2,109\$427\$1,682\$37,734
3417.000%5.200%\$1,396\$153\$1,242\$25,02913.000%13.000%\$2,109\$409\$1,700\$36,034
3427.000%5.200%\$1,396\$146\$1,250\$23,77913.000%13.000%\$2,109\$390\$1,718\$34,316
3437.000%5.200%\$1,396\$139\$1,257\$22,52213.000%13.000%\$2,109\$372\$1,737\$32,579
3447.000%5.200%\$1,396\$131\$1,264\$21,25813.000%13.000%\$2,109\$353\$1,756\$30,823
3457.000%5.200%\$1,396\$124\$1,272\$19,98713.000%13.000%\$2,109\$334\$1,775\$29,048
3467.000%5.200%\$1,396\$117\$1,279\$18,70813.000%13.000%\$2,109\$315\$1,794\$27,254
3477.000%5.200%\$1,396\$109\$1,286\$17,42113.000%13.000%\$2,109\$295\$1,814\$25,440
3487.000%5.200%\$1,396\$102\$1,294\$16,12813.000%13.000%\$2,109\$276\$1,833\$23,607
Year 29  \$16,746\$1,705\$15,041   \$25,306\$4,559\$20,747
3497.000%5.200%\$1,396\$94\$1,301\$14,82613.000%13.000%\$2,109\$256\$1,853\$21,754
3507.000%5.200%\$1,396\$86\$1,309\$13,51713.000%13.000%\$2,109\$236\$1,873\$19,881
3517.000%5.200%\$1,396\$79\$1,317\$12,20013.000%13.000%\$2,109\$215\$1,893\$17,987
3527.000%5.200%\$1,396\$71\$1,324\$10,87613.000%13.000%\$2,109\$195\$1,914\$16,073
3537.000%5.200%\$1,396\$63\$1,332\$9,54413.000%13.000%\$2,109\$174\$1,935\$14,138
3547.000%5.200%\$1,396\$56\$1,340\$8,20413.000%13.000%\$2,109\$153\$1,956\$12,183
3557.000%5.200%\$1,396\$48\$1,348\$6,85613.000%13.000%\$2,109\$132\$1,977\$10,206
3567.000%5.200%\$1,396\$40\$1,356\$5,50113.000%13.000%\$2,109\$111\$1,998\$8,208
3577.000%5.200%\$1,396\$32\$1,363\$4,13713.000%13.000%\$2,109\$89\$2,020\$6,188
3587.000%5.200%\$1,396\$24\$1,371\$2,76613.000%13.000%\$2,109\$67\$2,042\$4,146
3597.000%5.200%\$1,396\$16\$1,379\$1,38613.000%13.000%\$2,109\$45\$2,064\$2,082
3607.000%5.200%\$1,395\$8\$1,386\$013.000%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

## 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.
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.