Comparing Future Interest Rate Scenarios
This example shows how you can use our calculator to compare the impact of the best case, worst case and stable interest rate scenarios on an adjustable rate mortgage.
The best case scenario is where the index rate goes to zero in the 2nd month and stays at zero for the duration of the mortgage. In the stable scenario, the index rate remains unchanged over the life of the loan. In the worst case scenario the index rate increases in the 2nd month to the maximum interest rate for the loan and stays there for the duration of the mortgage.
After reviewing this example add your mortgage terms to the adjustable rate mortgage calculator or explore the other examples.
The total payments made during the life of the loan are as follows -
best case: $371,909 stable: $503,434 worst case: $796,271.
As you can see the interest rates can make a dramatic difference.
best case: $371,909 stable: $503,434 worst case: $796,271.
As you can see the interest rates can make a dramatic difference.
| Best | Stable | Worst | ▲ | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Month | Interest Rate |
Index Rate |
Payment | Interest | Principal | Balance | Interest Rate |
Index Rate |
Payment | Interest | Principal | Balance | Interest Rate |
Index Rate |
Payment | Interest | Principal | Balance |
| 1 | 7.500% | 3.000% | $1,398 | $1,250 | $148 | $199,852 | 7.500% | 3.000% | $1,398 | $1,250 | $148 | $199,852 | 7.500% | 3.000% | $1,398 | $1,250 | $148 | $199,852 |
| 2 | 7.500% | 0.000% | $1,398 | $1,249 | $149 | $199,702 | 7.500% | 3.000% | $1,398 | $1,249 | $149 | $199,702 | 7.500% | 13.500% | $1,398 | $1,249 | $149 | $199,702 |
| 3 | 7.500% | 0.000% | $1,398 | $1,248 | $150 | $199,552 | 7.500% | 3.000% | $1,398 | $1,248 | $150 | $199,552 | 7.500% | 13.500% | $1,398 | $1,248 | $150 | $199,552 |
| 4 | 7.500% | 0.000% | $1,398 | $1,247 | $151 | $199,401 | 7.500% | 3.000% | $1,398 | $1,247 | $151 | $199,401 | 7.500% | 13.500% | $1,398 | $1,247 | $151 | $199,401 |
| 5 | 7.500% | 0.000% | $1,398 | $1,246 | $152 | $199,249 | 7.500% | 3.000% | $1,398 | $1,246 | $152 | $199,249 | 7.500% | 13.500% | $1,398 | $1,246 | $152 | $199,249 |
| 6 | 7.500% | 0.000% | $1,398 | $1,245 | $153 | $199,095 | 7.500% | 3.000% | $1,398 | $1,245 | $153 | $199,095 | 7.500% | 13.500% | $1,398 | $1,245 | $153 | $199,095 |
| 7 | 7.500% | 0.000% | $1,398 | $1,244 | $154 | $198,941 | 7.500% | 3.000% | $1,398 | $1,244 | $154 | $198,941 | 7.500% | 13.500% | $1,398 | $1,244 | $154 | $198,941 |
| 8 | 7.500% | 0.000% | $1,398 | $1,243 | $155 | $198,786 | 7.500% | 3.000% | $1,398 | $1,243 | $155 | $198,786 | 7.500% | 13.500% | $1,398 | $1,243 | $155 | $198,786 |
| 9 | 7.500% | 0.000% | $1,398 | $1,242 | $156 | $198,630 | 7.500% | 3.000% | $1,398 | $1,242 | $156 | $198,630 | 7.500% | 13.500% | $1,398 | $1,242 | $156 | $198,630 |
| 10 | 7.500% | 0.000% | $1,398 | $1,241 | $157 | $198,473 | 7.500% | 3.000% | $1,398 | $1,241 | $157 | $198,473 | 7.500% | 13.500% | $1,398 | $1,241 | $157 | $198,473 |
| 11 | 7.500% | 0.000% | $1,398 | $1,240 | $158 | $198,315 | 7.500% | 3.000% | $1,398 | $1,240 | $158 | $198,315 | 7.500% | 13.500% | $1,398 | $1,240 | $158 | $198,315 |
| 12 | 7.500% | 0.000% | $1,398 | $1,239 | $159 | $198,156 | 7.500% | 3.000% | $1,398 | $1,239 | $159 | $198,156 | 7.500% | 13.500% | $1,398 | $1,239 | $159 | $198,156 |
| Year 1 | $16,781 | $14,937 | $1,844 | $16,781 | $14,937 | $1,844 | $16,781 | $14,937 | $1,844 | |||||||||
| 13 | 4.500% | 0.000% | $1,020 | $743 | $277 | $197,879 | 7.500% | 3.000% | $1,398 | $1,238 | $160 | $197,996 | 9.500% | 13.500% | $1,677 | $1,569 | $108 | $198,048 |
| 14 | 4.500% | 0.000% | $1,020 | $742 | $278 | $197,600 | 7.500% | 3.000% | $1,398 | $1,237 | $161 | $197,835 | 9.500% | 13.500% | $1,677 | $1,568 | $109 | $197,940 |
| 15 | 4.500% | 0.000% | $1,020 | $741 | $280 | $197,321 | 7.500% | 3.000% | $1,398 | $1,236 | $162 | $197,673 | 9.500% | 13.500% | $1,677 | $1,567 | $110 | $197,830 |
| 16 | 4.500% | 0.000% | $1,020 | $740 | $281 | $197,040 | 7.500% | 3.000% | $1,398 | $1,235 | $163 | $197,510 | 9.500% | 13.500% | $1,677 | $1,566 | $110 | $197,720 |
| 17 | 4.500% | 0.000% | $1,020 | $739 | $282 | $196,759 | 7.500% | 3.000% | $1,398 | $1,234 | $164 | $197,346 | 9.500% | 13.500% | $1,677 | $1,565 | $111 | $197,609 |
| 18 | 4.500% | 0.000% | $1,020 | $738 | $283 | $196,476 | 7.500% | 3.000% | $1,398 | $1,233 | $165 | $197,181 | 9.500% | 13.500% | $1,677 | $1,564 | $112 | $197,496 |
| 19 | 4.500% | 0.000% | $1,020 | $737 | $284 | $196,192 | 7.500% | 3.000% | $1,398 | $1,232 | $166 | $197,015 | 10.500% | 13.500% | $1,821 | $1,728 | $93 | $197,404 |
| 20 | 4.500% | 0.000% | $1,020 | $736 | $285 | $195,908 | 7.500% | 3.000% | $1,398 | $1,231 | $167 | $196,848 | 10.500% | 13.500% | $1,821 | $1,727 | $93 | $197,311 |
| 21 | 4.500% | 0.000% | $1,020 | $735 | $286 | $195,622 | 7.500% | 3.000% | $1,398 | $1,230 | $168 | $196,680 | 10.500% | 13.500% | $1,821 | $1,726 | $94 | $197,216 |
| 22 | 4.500% | 0.000% | $1,020 | $734 | $287 | $195,335 | 7.500% | 3.000% | $1,398 | $1,229 | $169 | $196,511 | 10.500% | 13.500% | $1,821 | $1,726 | $95 | $197,121 |
| 23 | 4.500% | 0.000% | $1,020 | $733 | $288 | $195,047 | 7.500% | 3.000% | $1,398 | $1,228 | $170 | $196,341 | 10.500% | 13.500% | $1,821 | $1,725 | $96 | $197,026 |
| 24 | 4.500% | 0.000% | $1,020 | $731 | $289 | $194,758 | 7.500% | 3.000% | $1,398 | $1,227 | $171 | $196,170 | 10.500% | 13.500% | $1,821 | $1,724 | $97 | $196,929 |
| Year 2 | $12,246 | $8,848 | $3,398 | $16,781 | $14,794 | $1,987 | $20,983 | $19,756 | $1,227 | |||||||||
| 25 | 4.500% | 0.000% | $1,020 | $730 | $290 | $194,468 | 7.500% | 3.000% | $1,398 | $1,226 | $172 | $195,997 | 11.500% | 13.500% | $1,967 | $1,887 | $80 | $196,849 |
| 26 | 4.500% | 0.000% | $1,020 | $729 | $291 | $194,176 | 7.500% | 3.000% | $1,398 | $1,225 | $173 | $195,824 | 11.500% | 13.500% | $1,967 | $1,886 | $81 | $196,769 |
| 27 | 4.500% | 0.000% | $1,020 | $728 | $292 | $193,884 | 7.500% | 3.000% | $1,398 | $1,224 | $175 | $195,649 | 11.500% | 13.500% | $1,967 | $1,886 | $81 | $196,687 |
| 28 | 4.500% | 0.000% | $1,020 | $727 | $293 | $193,591 | 7.500% | 3.000% | $1,398 | $1,223 | $176 | $195,474 | 11.500% | 13.500% | $1,967 | $1,885 | $82 | $196,605 |
| 29 | 4.500% | 0.000% | $1,020 | $726 | $295 | $193,296 | 7.500% | 3.000% | $1,398 | $1,222 | $177 | $195,297 | 11.500% | 13.500% | $1,967 | $1,884 | $83 | $196,522 |
| 30 | 4.500% | 0.000% | $1,020 | $725 | $296 | $193,000 | 7.500% | 3.000% | $1,398 | $1,221 | $178 | $195,119 | 11.500% | 13.500% | $1,967 | $1,883 | $84 | $196,439 |
| 31 | 4.500% | 0.000% | $1,020 | $724 | $297 | $192,704 | 7.500% | 3.000% | $1,398 | $1,219 | $179 | $194,940 | 12.500% | 13.500% | $2,115 | $2,046 | $69 | $196,369 |
| 32 | 4.500% | 0.000% | $1,020 | $723 | $298 | $192,406 | 7.500% | 3.000% | $1,398 | $1,218 | $180 | $194,760 | 12.500% | 13.500% | $2,115 | $2,046 | $70 | $196,299 |
| 33 | 4.500% | 0.000% | $1,020 | $722 | $299 | $192,107 | 7.500% | 3.000% | $1,398 | $1,217 | $181 | $194,579 | 12.500% | 13.500% | $2,115 | $2,045 | $71 | $196,229 |
| 34 | 4.500% | 0.000% | $1,020 | $720 | $300 | $191,807 | 7.500% | 3.000% | $1,398 | $1,216 | $182 | $194,397 | 12.500% | 13.500% | $2,115 | $2,044 | $71 | $196,157 |
| 35 | 4.500% | 0.000% | $1,020 | $719 | $301 | $191,506 | 7.500% | 3.000% | $1,398 | $1,215 | $183 | $194,213 | 12.500% | 13.500% | $2,115 | $2,043 | $72 | $196,085 |
| 36 | 4.500% | 0.000% | $1,020 | $718 | $302 | $191,203 | 7.500% | 3.000% | $1,398 | $1,214 | $185 | $194,028 | 12.500% | 13.500% | $2,115 | $2,043 | $73 | $196,012 |
| Year 3 | $12,246 | $8,691 | $3,555 | $16,781 | $14,640 | $2,141 | $24,495 | $23,578 | $917 | |||||||||
| 37 | 4.500% | 0.000% | $1,020 | $717 | $303 | $190,900 | 7.500% | 3.000% | $1,398 | $1,213 | $186 | $193,843 | 13.500% | 13.500% | $2,266 | $2,205 | $60 | $195,952 |
| 38 | 4.500% | 0.000% | $1,020 | $716 | $305 | $190,595 | 7.500% | 3.000% | $1,398 | $1,212 | $187 | $193,656 | 13.500% | 13.500% | $2,266 | $2,204 | $61 | $195,891 |
| 39 | 4.500% | 0.000% | $1,020 | $715 | $306 | $190,289 | 7.500% | 3.000% | $1,398 | $1,210 | $188 | $193,468 | 13.500% | 13.500% | $2,266 | $2,204 | $62 | $195,829 |
| 40 | 4.500% | 0.000% | $1,020 | $714 | $307 | $189,982 | 7.500% | 3.000% | $1,398 | $1,209 | $189 | $193,278 | 13.500% | 13.500% | $2,266 | $2,203 | $62 | $195,766 |
| 41 | 4.500% | 0.000% | $1,020 | $712 | $308 | $189,674 | 7.500% | 3.000% | $1,398 | $1,208 | $190 | $193,088 | 13.500% | 13.500% | $2,266 | $2,202 | $63 | $195,703 |
| 42 | 4.500% | 0.000% | $1,020 | $711 | $309 | $189,365 | 7.500% | 3.000% | $1,398 | $1,207 | $192 | $192,896 | 13.500% | 13.500% | $2,266 | $2,202 | $64 | $195,639 |
| 43 | 4.500% | 0.000% | $1,020 | $710 | $310 | $189,055 | 7.500% | 3.000% | $1,398 | $1,206 | $193 | $192,704 | 13.500% | 13.500% | $2,266 | $2,201 | $65 | $195,575 |
| 44 | 4.500% | 0.000% | $1,020 | $709 | $312 | $188,743 | 7.500% | 3.000% | $1,398 | $1,204 | $194 | $192,510 | 13.500% | 13.500% | $2,266 | $2,200 | $65 | $195,510 |
| 45 | 4.500% | 0.000% | $1,020 | $708 | $313 | $188,430 | 7.500% | 3.000% | $1,398 | $1,203 | $195 | $192,314 | 13.500% | 13.500% | $2,266 | $2,199 | $66 | $195,443 |
| 46 | 4.500% | 0.000% | $1,020 | $707 | $314 | $188,117 | 7.500% | 3.000% | $1,398 | $1,202 | $196 | $192,118 | 13.500% | 13.500% | $2,266 | $2,199 | $67 | $195,377 |
| 47 | 4.500% | 0.000% | $1,020 | $705 | $315 | $187,802 | 7.500% | 3.000% | $1,398 | $1,201 | $198 | $191,920 | 13.500% | 13.500% | $2,266 | $2,198 | $68 | $195,309 |
| 48 | 4.500% | 0.000% | $1,020 | $704 | $316 | $187,485 | 7.500% | 3.000% | $1,398 | $1,200 | $199 | $191,721 | 13.500% | 13.500% | $2,266 | $2,197 | $68 | $195,241 |
| Year 4 | $12,246 | $8,528 | $3,718 | $16,781 | $14,474 | $2,307 | $27,186 | $26,415 | $771 | |||||||||
| 49 | 4.500% | 0.000% | $1,020 | $703 | $317 | $187,168 | 7.500% | 3.000% | $1,398 | $1,198 | $200 | $191,521 | 13.500% | 13.500% | $2,266 | $2,196 | $69 | $195,172 |
| 50 | 4.500% | 0.000% | $1,020 | $702 | $319 | $186,849 | 7.500% | 3.000% | $1,398 | $1,197 | $201 | $191,320 | 13.500% | 13.500% | $2,266 | $2,196 | $70 | $195,102 |
| 51 | 4.500% | 0.000% | $1,020 | $701 | $320 | $186,529 | 7.500% | 3.000% | $1,398 | $1,196 | $203 | $191,117 | 13.500% | 13.500% | $2,266 | $2,195 | $71 | $195,031 |
| 52 | 4.500% | 0.000% | $1,020 | $699 | $321 | $186,208 | 7.500% | 3.000% | $1,398 | $1,194 | $204 | $190,913 | 13.500% | 13.500% | $2,266 | $2,194 | $71 | $194,960 |
| 53 | 4.500% | 0.000% | $1,020 | $698 | $322 | $185,886 | 7.500% | 3.000% | $1,398 | $1,193 | $205 | $190,708 | 13.500% | 13.500% | $2,266 | $2,193 | $72 | $194,888 |
| 54 | 4.500% | 0.000% | $1,020 | $697 | $323 | $185,563 | 7.500% | 3.000% | $1,398 | $1,192 | $207 | $190,501 | 13.500% | 13.500% | $2,266 | $2,192 | $73 | $194,814 |
| 55 | 4.500% | 0.000% | $1,020 | $696 | $325 | $185,238 | 7.500% | 3.000% | $1,398 | $1,191 | $208 | $190,293 | 13.500% | 13.500% | $2,266 | $2,192 | $74 | $194,741 |
| 56 | 4.500% | 0.000% | $1,020 | $695 | $326 | $184,912 | 7.500% | 3.000% | $1,398 | $1,189 | $209 | $190,084 | 13.500% | 13.500% | $2,266 | $2,191 | $75 | $194,666 |
| 57 | 4.500% | 0.000% | $1,020 | $693 | $327 | $184,585 | 7.500% | 3.000% | $1,398 | $1,188 | $210 | $189,874 | 13.500% | 13.500% | $2,266 | $2,190 | $76 | $194,590 |
| 58 | 4.500% | 0.000% | $1,020 | $692 | $328 | $184,257 | 7.500% | 3.000% | $1,398 | $1,187 | $212 | $189,662 | 13.500% | 13.500% | $2,266 | $2,189 | $76 | $194,514 |
| 59 | 4.500% | 0.000% | $1,020 | $691 | $330 | $183,927 | 7.500% | 3.000% | $1,398 | $1,185 | $213 | $189,449 | 13.500% | 13.500% | $2,266 | $2,188 | $77 | $194,437 |
| 60 | 4.500% | 0.000% | $1,020 | $690 | $331 | $183,597 | 7.500% | 3.000% | $1,398 | $1,184 | $214 | $189,235 | 13.500% | 13.500% | $2,266 | $2,187 | $78 | $194,359 |
| Year 5 | $12,246 | $8,357 | $3,889 | $16,781 | $14,295 | $2,486 | $27,186 | $26,304 | $882 | |||||||||
| 61 | 4.500% | 0.000% | $1,020 | $688 | $332 | $183,265 | 7.500% | 3.000% | $1,398 | $1,183 | $216 | $189,019 | 13.500% | 13.500% | $2,266 | $2,187 | $79 | $194,280 |
| 62 | 4.500% | 0.000% | $1,020 | $687 | $333 | $182,931 | 7.500% | 3.000% | $1,398 | $1,181 | $217 | $188,802 | 13.500% | 13.500% | $2,266 | $2,186 | $80 | $194,200 |
| 63 | 4.500% | 0.000% | $1,020 | $686 | $335 | $182,597 | 7.500% | 3.000% | $1,398 | $1,180 | $218 | $188,584 | 13.500% | 13.500% | $2,266 | $2,185 | $81 | $194,119 |
| 64 | 4.500% | 0.000% | $1,020 | $685 | $336 | $182,261 | 7.500% | 3.000% | $1,398 | $1,179 | $220 | $188,364 | 13.500% | 13.500% | $2,266 | $2,184 | $82 | $194,037 |
| 65 | 4.500% | 0.000% | $1,020 | $683 | $337 | $181,924 | 7.500% | 3.000% | $1,398 | $1,177 | $221 | $188,143 | 13.500% | 13.500% | $2,266 | $2,183 | $83 | $193,955 |
| 66 | 4.500% | 0.000% | $1,020 | $682 | $338 | $181,586 | 7.500% | 3.000% | $1,398 | $1,176 | $223 | $187,920 | 13.500% | 13.500% | $2,266 | $2,182 | $84 | $193,871 |
| 67 | 4.500% | 0.000% | $1,020 | $681 | $340 | $181,246 | 7.500% | 3.000% | $1,398 | $1,174 | $224 | $187,696 | 13.500% | 13.500% | $2,266 | $2,181 | $84 | $193,786 |
| 68 | 4.500% | 0.000% | $1,020 | $680 | $341 | $180,905 | 7.500% | 3.000% | $1,398 | $1,173 | $225 | $187,471 | 13.500% | 13.500% | $2,266 | $2,180 | $85 | $193,701 |
| 69 | 4.500% | 0.000% | $1,020 | $678 | $342 | $180,563 | 7.500% | 3.000% | $1,398 | $1,172 | $227 | $187,244 | 13.500% | 13.500% | $2,266 | $2,179 | $86 | $193,615 |
| 70 | 4.500% | 0.000% | $1,020 | $677 | $343 | $180,220 | 7.500% | 3.000% | $1,398 | $1,170 | $228 | $187,016 | 13.500% | 13.500% | $2,266 | $2,178 | $87 | $193,527 |
| 71 | 4.500% | 0.000% | $1,020 | $676 | $345 | $179,875 | 7.500% | 3.000% | $1,398 | $1,169 | $230 | $186,786 | 13.500% | 13.500% | $2,266 | $2,177 | $88 | $193,439 |
| 72 | 4.500% | 0.000% | $1,020 | $675 | $346 | $179,529 | 7.500% | 3.000% | $1,398 | $1,167 | $231 | $186,555 | 13.500% | 13.500% | $2,266 | $2,176 | $89 | $193,350 |
| Year 6 | $12,246 | $8,179 | $4,067 | $16,781 | $14,102 | $2,679 | $27,186 | $26,177 | $1,009 | |||||||||
| 73 | 4.500% | 0.000% | $1,020 | $673 | $347 | $179,182 | 7.500% | 3.000% | $1,398 | $1,166 | $232 | $186,323 | 13.500% | 13.500% | $2,266 | $2,175 | $90 | $193,259 |
| 74 | 4.500% | 0.000% | $1,020 | $672 | $349 | $178,833 | 7.500% | 3.000% | $1,398 | $1,165 | $234 | $186,089 | 13.500% | 13.500% | $2,266 | $2,174 | $91 | $193,168 |
| 75 | 4.500% | 0.000% | $1,020 | $671 | $350 | $178,483 | 7.500% | 3.000% | $1,398 | $1,163 | $235 | $185,854 | 13.500% | 13.500% | $2,266 | $2,173 | $92 | $193,075 |
| 76 | 4.500% | 0.000% | $1,020 | $669 | $351 | $178,132 | 7.500% | 3.000% | $1,398 | $1,162 | $237 | $185,617 | 13.500% | 13.500% | $2,266 | $2,172 | $93 | $192,982 |
| 77 | 4.500% | 0.000% | $1,020 | $668 | $352 | $177,780 | 7.500% | 3.000% | $1,398 | $1,160 | $238 | $185,378 | 13.500% | 13.500% | $2,266 | $2,171 | $94 | $192,887 |
| 78 | 4.500% | 0.000% | $1,020 | $667 | $354 | $177,426 | 7.500% | 3.000% | $1,398 | $1,159 | $240 | $185,139 | 13.500% | 13.500% | $2,266 | $2,170 | $96 | $192,792 |
| 79 | 4.500% | 0.000% | $1,020 | $665 | $355 | $177,071 | 7.500% | 3.000% | $1,398 | $1,157 | $241 | $184,897 | 13.500% | 13.500% | $2,266 | $2,169 | $97 | $192,695 |
| 80 | 4.500% | 0.000% | $1,020 | $664 | $356 | $176,714 | 7.500% | 3.000% | $1,398 | $1,156 | $243 | $184,655 | 13.500% | 13.500% | $2,266 | $2,168 | $98 | $192,598 |
| 81 | 4.500% | 0.000% | $1,020 | $663 | $358 | $176,356 | 7.500% | 3.000% | $1,398 | $1,154 | $244 | $184,410 | 13.500% | 13.500% | $2,266 | $2,167 | $99 | $192,499 |
| 82 | 4.500% | 0.000% | $1,020 | $661 | $359 | $175,997 | 7.500% | 3.000% | $1,398 | $1,153 | $246 | $184,164 | 13.500% | 13.500% | $2,266 | $2,166 | $100 | $192,399 |
| 83 | 4.500% | 0.000% | $1,020 | $660 | $361 | $175,637 | 7.500% | 3.000% | $1,398 | $1,151 | $247 | $183,917 | 13.500% | 13.500% | $2,266 | $2,164 | $101 | $192,298 |
| 84 | 4.500% | 0.000% | $1,020 | $659 | $362 | $175,275 | 7.500% | 3.000% | $1,398 | $1,149 | $249 | $183,668 | 13.500% | 13.500% | $2,266 | $2,163 | $102 | $192,196 |
| Year 7 | $12,246 | $7,992 | $4,254 | $16,781 | $13,894 | $2,887 | $27,186 | $26,033 | $1,154 | |||||||||
| 85 | 4.500% | 0.000% | $1,020 | $657 | $363 | $174,912 | 7.500% | 3.000% | $1,398 | $1,148 | $250 | $183,418 | 13.500% | 13.500% | $2,266 | $2,162 | $103 | $192,092 |
| 86 | 4.500% | 0.000% | $1,020 | $656 | $365 | $174,547 | 7.500% | 3.000% | $1,398 | $1,146 | $252 | $183,165 | 13.500% | 13.500% | $2,266 | $2,161 | $104 | $191,988 |
| 87 | 4.500% | 0.000% | $1,020 | $655 | $366 | $174,181 | 7.500% | 3.000% | $1,398 | $1,145 | $254 | $182,912 | 13.500% | 13.500% | $2,266 | $2,160 | $106 | $191,882 |
| 88 | 4.500% | 0.000% | $1,020 | $653 | $367 | $173,814 | 7.500% | 3.000% | $1,398 | $1,143 | $255 | $182,657 | 13.500% | 13.500% | $2,266 | $2,159 | $107 | $191,775 |
| 89 | 4.500% | 0.000% | $1,020 | $652 | $369 | $173,445 | 7.500% | 3.000% | $1,398 | $1,142 | $257 | $182,400 | 13.500% | 13.500% | $2,266 | $2,157 | $108 | $191,667 |
| 90 | 4.500% | 0.000% | $1,020 | $650 | $370 | $173,075 | 7.500% | 3.000% | $1,398 | $1,140 | $258 | $182,141 | 13.500% | 13.500% | $2,266 | $2,156 | $109 | $191,558 |
| 91 | 4.500% | 0.000% | $1,020 | $649 | $371 | $172,704 | 7.500% | 3.000% | $1,398 | $1,138 | $260 | $181,881 | 13.500% | 13.500% | $2,266 | $2,155 | $111 | $191,447 |
| 92 | 4.500% | 0.000% | $1,020 | $648 | $373 | $172,331 | 7.500% | 3.000% | $1,398 | $1,137 | $262 | $181,620 | 13.500% | 13.500% | $2,266 | $2,154 | $112 | $191,336 |
| 93 | 4.500% | 0.000% | $1,020 | $646 | $374 | $171,957 | 7.500% | 3.000% | $1,398 | $1,135 | $263 | $181,356 | 13.500% | 13.500% | $2,266 | $2,153 | $113 | $191,223 |
| 94 | 4.500% | 0.000% | $1,020 | $645 | $376 | $171,581 | 7.500% | 3.000% | $1,398 | $1,133 | $265 | $181,091 | 13.500% | 13.500% | $2,266 | $2,151 | $114 | $191,108 |
| 95 | 4.500% | 0.000% | $1,020 | $643 | $377 | $171,204 | 7.500% | 3.000% | $1,398 | $1,132 | $267 | $180,825 | 13.500% | 13.500% | $2,266 | $2,150 | $116 | $190,993 |
| 96 | 4.500% | 0.000% | $1,020 | $642 | $378 | $170,825 | 7.500% | 3.000% | $1,398 | $1,130 | $268 | $180,556 | 13.500% | 13.500% | $2,266 | $2,149 | $117 | $190,876 |
| Year 8 | $12,246 | $7,796 | $4,450 | $16,781 | $13,670 | $3,112 | $27,186 | $25,867 | $1,320 | |||||||||
| 97 | 4.500% | 0.000% | $1,020 | $641 | $380 | $170,445 | 7.500% | 3.000% | $1,398 | $1,128 | $270 | $180,286 | 13.500% | 13.500% | $2,266 | $2,147 | $118 | $190,758 |
| 98 | 4.500% | 0.000% | $1,020 | $639 | $381 | $170,064 | 7.500% | 3.000% | $1,398 | $1,127 | $272 | $180,015 | 13.500% | 13.500% | $2,266 | $2,146 | $120 | $190,638 |
| 99 | 4.500% | 0.000% | $1,020 | $638 | $383 | $169,681 | 7.500% | 3.000% | $1,398 | $1,125 | $273 | $179,741 | 13.500% | 13.500% | $2,266 | $2,145 | $121 | $190,517 |
| 100 | 4.500% | 0.000% | $1,020 | $636 | $384 | $169,297 | 7.500% | 3.000% | $1,398 | $1,123 | $275 | $179,466 | 13.500% | 13.500% | $2,266 | $2,143 | $122 | $190,395 |
| 101 | 4.500% | 0.000% | $1,020 | $635 | $386 | $168,911 | 7.500% | 3.000% | $1,398 | $1,122 | $277 | $179,190 | 13.500% | 13.500% | $2,266 | $2,142 | $124 | $190,271 |
| 102 | 4.500% | 0.000% | $1,020 | $633 | $387 | $168,524 | 7.500% | 3.000% | $1,398 | $1,120 | $278 | $178,911 | 13.500% | 13.500% | $2,266 | $2,141 | $125 | $190,146 |
| 103 | 4.500% | 0.000% | $1,020 | $632 | $389 | $168,136 | 7.500% | 3.000% | $1,398 | $1,118 | $280 | $178,631 | 13.500% | 13.500% | $2,266 | $2,139 | $126 | $190,020 |
| 104 | 4.500% | 0.000% | $1,020 | $631 | $390 | $167,746 | 7.500% | 3.000% | $1,398 | $1,116 | $282 | $178,349 | 13.500% | 13.500% | $2,266 | $2,138 | $128 | $189,892 |
| 105 | 4.500% | 0.000% | $1,020 | $629 | $391 | $167,354 | 7.500% | 3.000% | $1,398 | $1,115 | $284 | $178,065 | 13.500% | 13.500% | $2,266 | $2,136 | $129 | $189,763 |
| 106 | 4.500% | 0.000% | $1,020 | $628 | $393 | $166,962 | 7.500% | 3.000% | $1,398 | $1,113 | $286 | $177,780 | 13.500% | 13.500% | $2,266 | $2,135 | $131 | $189,632 |
| 107 | 4.500% | 0.000% | $1,020 | $626 | $394 | $166,567 | 7.500% | 3.000% | $1,398 | $1,111 | $287 | $177,492 | 13.500% | 13.500% | $2,266 | $2,133 | $132 | $189,500 |
| 108 | 4.500% | 0.000% | $1,020 | $625 | $396 | $166,171 | 7.500% | 3.000% | $1,398 | $1,109 | $289 | $177,203 | 13.500% | 13.500% | $2,266 | $2,132 | $134 | $189,366 |
| Year 9 | $12,246 | $7,592 | $4,654 | $16,781 | $13,428 | $3,353 | $27,186 | $25,677 | $1,509 | |||||||||
| 109 | 4.500% | 0.000% | $1,020 | $623 | $397 | $165,774 | 7.500% | 3.000% | $1,398 | $1,108 | $291 | $176,912 | 13.500% | 13.500% | $2,266 | $2,130 | $135 | $189,231 |
| 110 | 4.500% | 0.000% | $1,020 | $622 | $399 | $165,375 | 7.500% | 3.000% | $1,398 | $1,106 | $293 | $176,620 | 13.500% | 13.500% | $2,266 | $2,129 | $137 | $189,095 |
| 111 | 4.500% | 0.000% | $1,020 | $620 | $400 | $164,975 | 7.500% | 3.000% | $1,398 | $1,104 | $295 | $176,325 | 13.500% | 13.500% | $2,266 | $2,127 | $138 | $188,956 |
| 112 | 4.500% | 0.000% | $1,020 | $619 | $402 | $164,573 | 7.500% | 3.000% | $1,398 | $1,102 | $296 | $176,029 | 13.500% | 13.500% | $2,266 | $2,126 | $140 | $188,817 |
| 113 | 4.500% | 0.000% | $1,020 | $617 | $403 | $164,170 | 7.500% | 3.000% | $1,398 | $1,100 | $298 | $175,730 | 13.500% | 13.500% | $2,266 | $2,124 | $141 | $188,675 |
| 114 | 4.500% | 0.000% | $1,020 | $616 | $405 | $163,765 | 7.500% | 3.000% | $1,398 | $1,098 | $300 | $175,430 | 13.500% | 13.500% | $2,266 | $2,123 | $143 | $188,532 |
| 115 | 4.500% | 0.000% | $1,020 | $614 | $406 | $163,358 | 7.500% | 3.000% | $1,398 | $1,096 | $302 | $175,128 | 13.500% | 13.500% | $2,266 | $2,121 | $145 | $188,388 |
| 116 | 4.500% | 0.000% | $1,020 | $613 | $408 | $162,950 | 7.500% | 3.000% | $1,398 | $1,095 | $304 | $174,824 | 13.500% | 13.500% | $2,266 | $2,119 | $146 | $188,242 |
| 117 | 4.500% | 0.000% | $1,020 | $611 | $409 | $162,541 | 7.500% | 3.000% | $1,398 | $1,093 | $306 | $174,519 | 13.500% | 13.500% | $2,266 | $2,118 | $148 | $188,094 |
| 118 | 4.500% | 0.000% | $1,020 | $610 | $411 | $162,130 | 7.500% | 3.000% | $1,398 | $1,091 | $308 | $174,211 | 13.500% | 13.500% | $2,266 | $2,116 | $149 | $187,944 |
| 119 | 4.500% | 0.000% | $1,020 | $608 | $413 | $161,717 | 7.500% | 3.000% | $1,398 | $1,089 | $310 | $173,901 | 13.500% | 13.500% | $2,266 | $2,114 | $151 | $187,793 |
| 120 | 4.500% | 0.000% | $1,020 | $606 | $414 | $161,303 | 7.500% | 3.000% | $1,398 | $1,087 | $312 | $173,590 | 13.500% | 13.500% | $2,266 | $2,113 | $153 | $187,640 |
| Year 10 | $12,246 | $7,378 | $4,868 | $16,781 | $13,168 | $3,613 | $27,186 | $25,460 | $1,726 | |||||||||
| 121 | 4.500% | 0.000% | $1,020 | $605 | $416 | $160,888 | 7.500% | 3.000% | $1,398 | $1,085 | $313 | $173,276 | 13.500% | 13.500% | $2,266 | $2,111 | $155 | $187,486 |
| 122 | 4.500% | 0.000% | $1,020 | $603 | $417 | $160,471 | 7.500% | 3.000% | $1,398 | $1,083 | $315 | $172,961 | 13.500% | 13.500% | $2,266 | $2,109 | $156 | $187,329 |
| 123 | 4.500% | 0.000% | $1,020 | $602 | $419 | $160,052 | 7.500% | 3.000% | $1,398 | $1,081 | $317 | $172,643 | 13.500% | 13.500% | $2,266 | $2,107 | $158 | $187,171 |
| 124 | 4.500% | 0.000% | $1,020 | $600 | $420 | $159,632 | 7.500% | 3.000% | $1,398 | $1,079 | $319 | $172,324 | 13.500% | 13.500% | $2,266 | $2,106 | $160 | $187,011 |
| 125 | 4.500% | 0.000% | $1,020 | $599 | $422 | $159,210 | 7.500% | 3.000% | $1,398 | $1,077 | $321 | $172,003 | 13.500% | 13.500% | $2,266 | $2,104 | $162 | $186,850 |
| 126 | 4.500% | 0.000% | $1,020 | $597 | $423 | $158,786 | 7.500% | 3.000% | $1,398 | $1,075 | $323 | $171,679 | 13.500% | 13.500% | $2,266 | $2,102 | $163 | $186,686 |
| 127 | 4.500% | 0.000% | $1,020 | $595 | $425 | $158,361 | 7.500% | 3.000% | $1,398 | $1,073 | $325 | $171,354 | 13.500% | 13.500% | $2,266 | $2,100 | $165 | $186,521 |
| 128 | 4.500% | 0.000% | $1,020 | $594 | $427 | $157,934 | 7.500% | 3.000% | $1,398 | $1,071 | $327 | $171,026 | 13.500% | 13.500% | $2,266 | $2,098 | $167 | $186,354 |
| 129 | 4.500% | 0.000% | $1,020 | $592 | $428 | $157,506 | 7.500% | 3.000% | $1,398 | $1,069 | $330 | $170,697 | 13.500% | 13.500% | $2,266 | $2,096 | $169 | $186,185 |
| 130 | 4.500% | 0.000% | $1,020 | $591 | $430 | $157,076 | 7.500% | 3.000% | $1,398 | $1,067 | $332 | $170,365 | 13.500% | 13.500% | $2,266 | $2,095 | $171 | $186,014 |
| 131 | 4.500% | 0.000% | $1,020 | $589 | $431 | $156,645 | 7.500% | 3.000% | $1,398 | $1,065 | $334 | $170,032 | 13.500% | 13.500% | $2,266 | $2,093 | $173 | $185,841 |
| 132 | 4.500% | 0.000% | $1,020 | $587 | $433 | $156,212 | 7.500% | 3.000% | $1,398 | $1,063 | $336 | $169,696 | 13.500% | 13.500% | $2,266 | $2,091 | $175 | $185,666 |
| Year 11 | $12,246 | $7,154 | $5,092 | $16,781 | $12,887 | $3,894 | $27,186 | $25,212 | $1,974 | |||||||||
| 133 | 4.500% | 0.000% | $1,020 | $586 | $435 | $155,777 | 7.500% | 3.000% | $1,398 | $1,061 | $338 | $169,358 | 13.500% | 13.500% | $2,266 | $2,089 | $177 | $185,489 |
| 134 | 4.500% | 0.000% | $1,020 | $584 | $436 | $155,341 | 7.500% | 3.000% | $1,398 | $1,058 | $340 | $169,018 | 13.500% | 13.500% | $2,266 | $2,087 | $179 | $185,310 |
| 135 | 4.500% | 0.000% | $1,020 | $583 | $438 | $154,903 | 7.500% | 3.000% | $1,398 | $1,056 | $342 | $168,676 | 13.500% | 13.500% | $2,266 | $2,085 | $181 | $185,130 |
| 136 | 4.500% | 0.000% | $1,020 | $581 | $440 | $154,463 | 7.500% | 3.000% | $1,398 | $1,054 | $344 | $168,332 | 13.500% | 13.500% | $2,266 | $2,083 | $183 | $184,947 |
| 137 | 4.500% | 0.000% | $1,020 | $579 | $441 | $154,022 | 7.500% | 3.000% | $1,398 | $1,052 | $346 | $167,985 | 13.500% | 13.500% | $2,266 | $2,081 | $185 | $184,762 |
| 138 | 4.500% | 0.000% | $1,020 | $578 | $443 | $153,579 | 7.500% | 3.000% | $1,398 | $1,050 | $349 | $167,637 | 13.500% | 13.500% | $2,266 | $2,079 | $187 | $184,575 |
| 139 | 4.500% | 0.000% | $1,020 | $576 | $445 | $153,134 | 7.500% | 3.000% | $1,398 | $1,048 | $351 | $167,286 | 13.500% | 13.500% | $2,266 | $2,076 | $189 | $184,386 |
| 140 | 4.500% | 0.000% | $1,020 | $574 | $446 | $152,688 | 7.500% | 3.000% | $1,398 | $1,046 | $353 | $166,933 | 13.500% | 13.500% | $2,266 | $2,074 | $191 | $184,195 |
| 141 | 4.500% | 0.000% | $1,020 | $573 | $448 | $152,240 | 7.500% | 3.000% | $1,398 | $1,043 | $355 | $166,578 | 13.500% | 13.500% | $2,266 | $2,072 | $193 | $184,001 |
| 142 | 4.500% | 0.000% | $1,020 | $571 | $450 | $151,791 | 7.500% | 3.000% | $1,398 | $1,041 | $357 | $166,221 | 13.500% | 13.500% | $2,266 | $2,070 | $196 | $183,806 |
| 143 | 4.500% | 0.000% | $1,020 | $569 | $451 | $151,339 | 7.500% | 3.000% | $1,398 | $1,039 | $360 | $165,861 | 13.500% | 13.500% | $2,266 | $2,068 | $198 | $183,608 |
| 144 | 4.500% | 0.000% | $1,020 | $568 | $453 | $150,886 | 7.500% | 3.000% | $1,398 | $1,037 | $362 | $165,500 | 13.500% | 13.500% | $2,266 | $2,066 | $200 | $183,408 |
| Year 12 | $12,246 | $6,921 | $5,325 | $16,781 | $12,585 | $4,196 | $27,186 | $24,929 | $2,258 | |||||||||
| 145 | 4.500% | 0.000% | $1,020 | $566 | $455 | $150,432 | 7.500% | 3.000% | $1,398 | $1,034 | $364 | $165,136 | 13.500% | 13.500% | $2,266 | $2,063 | $202 | $183,206 |
| 146 | 4.500% | 0.000% | $1,020 | $564 | $456 | $149,975 | 7.500% | 3.000% | $1,398 | $1,032 | $366 | $164,769 | 13.500% | 13.500% | $2,266 | $2,061 | $204 | $183,001 |
| 147 | 4.500% | 0.000% | $1,020 | $562 | $458 | $149,517 | 7.500% | 3.000% | $1,398 | $1,030 | $369 | $164,401 | 13.500% | 13.500% | $2,266 | $2,059 | $207 | $182,795 |
| 148 | 4.500% | 0.000% | $1,020 | $561 | $460 | $149,057 | 7.500% | 3.000% | $1,398 | $1,028 | $371 | $164,030 | 13.500% | 13.500% | $2,266 | $2,056 | $209 | $182,586 |
| 149 | 4.500% | 0.000% | $1,020 | $559 | $462 | $148,596 | 7.500% | 3.000% | $1,398 | $1,025 | $373 | $163,656 | 13.500% | 13.500% | $2,266 | $2,054 | $211 | $182,374 |
| 150 | 4.500% | 0.000% | $1,020 | $557 | $463 | $148,133 | 7.500% | 3.000% | $1,398 | $1,023 | $376 | $163,281 | 13.500% | 13.500% | $2,266 | $2,052 | $214 | $182,160 |
| 151 | 4.500% | 0.000% | $1,020 | $556 | $465 | $147,668 | 7.500% | 3.000% | $1,398 | $1,021 | $378 | $162,903 | 13.500% | 13.500% | $2,266 | $2,049 | $216 | $181,944 |
| 152 | 4.500% | 0.000% | $1,020 | $554 | $467 | $147,201 | 7.500% | 3.000% | $1,398 | $1,018 | $380 | $162,523 | 13.500% | 13.500% | $2,266 | $2,047 | $219 | $181,725 |
| 153 | 4.500% | 0.000% | $1,020 | $552 | $468 | $146,732 | 7.500% | 3.000% | $1,398 | $1,016 | $383 | $162,140 | 13.500% | 13.500% | $2,266 | $2,044 | $221 | $181,504 |
| 154 | 4.500% | 0.000% | $1,020 | $550 | $470 | $146,262 | 7.500% | 3.000% | $1,398 | $1,013 | $385 | $161,755 | 13.500% | 13.500% | $2,266 | $2,042 | $224 | $181,281 |
| 155 | 4.500% | 0.000% | $1,020 | $548 | $472 | $145,790 | 7.500% | 3.000% | $1,398 | $1,011 | $387 | $161,367 | 13.500% | 13.500% | $2,266 | $2,039 | $226 | $181,054 |
| 156 | 4.500% | 0.000% | $1,020 | $547 | $474 | $145,316 | 7.500% | 3.000% | $1,398 | $1,009 | $390 | $160,978 | 13.500% | 13.500% | $2,266 | $2,037 | $229 | $180,826 |
| Year 13 | $12,246 | $6,676 | $5,570 | $16,781 | $12,259 | $4,522 | $27,186 | $24,604 | $2,582 | |||||||||
| 157 | 4.500% | 0.000% | $1,020 | $545 | $476 | $144,841 | 7.500% | 3.000% | $1,398 | $1,006 | $392 | $160,585 | 13.500% | 13.500% | $2,266 | $2,034 | $231 | $180,595 |
| 158 | 4.500% | 0.000% | $1,020 | $543 | $477 | $144,363 | 7.500% | 3.000% | $1,398 | $1,004 | $395 | $160,190 | 13.500% | 13.500% | $2,266 | $2,032 | $234 | $180,361 |
| 159 | 4.500% | 0.000% | $1,020 | $541 | $479 | $143,884 | 7.500% | 3.000% | $1,398 | $1,001 | $397 | $159,793 | 13.500% | 13.500% | $2,266 | $2,029 | $236 | $180,124 |
| 160 | 4.500% | 0.000% | $1,020 | $540 | $481 | $143,403 | 7.500% | 3.000% | $1,398 | $999 | $400 | $159,394 | 13.500% | 13.500% | $2,266 | $2,026 | $239 | $179,885 |
| 161 | 4.500% | 0.000% | $1,020 | $538 | $483 | $142,921 | 7.500% | 3.000% | $1,398 | $996 | $402 | $158,991 | 13.500% | 13.500% | $2,266 | $2,024 | $242 | $179,643 |
| 162 | 4.500% | 0.000% | $1,020 | $536 | $485 | $142,436 | 7.500% | 3.000% | $1,398 | $994 | $405 | $158,587 | 13.500% | 13.500% | $2,266 | $2,021 | $245 | $179,399 |
| 163 | 4.500% | 0.000% | $1,020 | $534 | $486 | $141,950 | 7.500% | 3.000% | $1,398 | $991 | $407 | $158,179 | 13.500% | 13.500% | $2,266 | $2,018 | $247 | $179,151 |
| 164 | 4.500% | 0.000% | $1,020 | $532 | $488 | $141,462 | 7.500% | 3.000% | $1,398 | $989 | $410 | $157,769 | 13.500% | 13.500% | $2,266 | $2,015 | $250 | $178,901 |
| 165 | 4.500% | 0.000% | $1,020 | $530 | $490 | $140,972 | 7.500% | 3.000% | $1,398 | $986 | $412 | $157,357 | 13.500% | 13.500% | $2,266 | $2,013 | $253 | $178,648 |
| 166 | 4.500% | 0.000% | $1,020 | $529 | $492 | $140,480 | 7.500% | 3.000% | $1,398 | $983 | $415 | $156,942 | 13.500% | 13.500% | $2,266 | $2,010 | $256 | $178,393 |
| 167 | 4.500% | 0.000% | $1,020 | $527 | $494 | $139,986 | 7.500% | 3.000% | $1,398 | $981 | $418 | $156,525 | 13.500% | 13.500% | $2,266 | $2,007 | $259 | $178,134 |
| 168 | 4.500% | 0.000% | $1,020 | $525 | $496 | $139,490 | 7.500% | 3.000% | $1,398 | $978 | $420 | $156,104 | 13.500% | 13.500% | $2,266 | $2,004 | $262 | $177,872 |
| Year 14 | $12,246 | $6,420 | $5,826 | $16,781 | $11,908 | $4,873 | $27,186 | $24,233 | $2,953 | |||||||||
| 169 | 4.500% | 0.000% | $1,020 | $523 | $497 | $138,993 | 7.500% | 3.000% | $1,398 | $976 | $423 | $155,682 | 13.500% | 13.500% | $2,266 | $2,001 | $264 | $177,608 |
| 170 | 4.500% | 0.000% | $1,020 | $521 | $499 | $138,494 | 7.500% | 3.000% | $1,398 | $973 | $425 | $155,256 | 13.500% | 13.500% | $2,266 | $1,998 | $267 | $177,341 |
| 171 | 4.500% | 0.000% | $1,020 | $519 | $501 | $137,993 | 7.500% | 3.000% | $1,398 | $970 | $428 | $154,828 | 13.500% | 13.500% | $2,266 | $1,995 | $270 | $177,070 |
| 172 | 4.500% | 0.000% | $1,020 | $517 | $503 | $137,490 | 7.500% | 3.000% | $1,398 | $968 | $431 | $154,397 | 13.500% | 13.500% | $2,266 | $1,992 | $274 | $176,797 |
| 173 | 4.500% | 0.000% | $1,020 | $516 | $505 | $136,985 | 7.500% | 3.000% | $1,398 | $965 | $433 | $153,964 | 13.500% | 13.500% | $2,266 | $1,989 | $277 | $176,520 |
| 174 | 4.500% | 0.000% | $1,020 | $514 | $507 | $136,478 | 7.500% | 3.000% | $1,398 | $962 | $436 | $153,528 | 13.500% | 13.500% | $2,266 | $1,986 | $280 | $176,240 |
| 175 | 4.500% | 0.000% | $1,020 | $512 | $509 | $135,969 | 7.500% | 3.000% | $1,398 | $960 | $439 | $153,089 | 13.500% | 13.500% | $2,266 | $1,983 | $283 | $175,957 |
| 176 | 4.500% | 0.000% | $1,020 | $510 | $511 | $135,458 | 7.500% | 3.000% | $1,398 | $957 | $442 | $152,647 | 13.500% | 13.500% | $2,266 | $1,980 | $286 | $175,671 |
| 177 | 4.500% | 0.000% | $1,020 | $508 | $513 | $134,946 | 7.500% | 3.000% | $1,398 | $954 | $444 | $152,203 | 13.500% | 13.500% | $2,266 | $1,976 | $289 | $175,382 |
| 178 | 4.500% | 0.000% | $1,020 | $506 | $514 | $134,432 | 7.500% | 3.000% | $1,398 | $951 | $447 | $151,756 | 13.500% | 13.500% | $2,266 | $1,973 | $292 | $175,090 |
| 179 | 4.500% | 0.000% | $1,020 | $504 | $516 | $133,915 | 7.500% | 3.000% | $1,398 | $948 | $450 | $151,306 | 13.500% | 13.500% | $2,266 | $1,970 | $296 | $174,794 |
| 180 | 4.500% | 0.000% | $1,020 | $502 | $518 | $133,397 | 7.500% | 3.000% | $1,398 | $946 | $453 | $150,853 | 13.500% | 13.500% | $2,266 | $1,966 | $299 | $174,495 |
| Year 15 | $12,246 | $6,152 | $6,094 | $16,781 | $11,530 | $5,251 | $27,186 | $23,809 | $3,378 | |||||||||
| 181 | 4.500% | 0.000% | $1,020 | $500 | $520 | $132,877 | 7.500% | 3.000% | $1,398 | $943 | $456 | $150,397 | 13.500% | 13.500% | $2,266 | $1,963 | $302 | $174,192 |
| 182 | 4.500% | 0.000% | $1,020 | $498 | $522 | $132,354 | 7.500% | 3.000% | $1,398 | $940 | $458 | $149,939 | 13.500% | 13.500% | $2,266 | $1,960 | $306 | $173,886 |
| 183 | 4.500% | 0.000% | $1,020 | $496 | $524 | $131,830 | 7.500% | 3.000% | $1,398 | $937 | $461 | $149,478 | 13.500% | 13.500% | $2,266 | $1,956 | $309 | $173,577 |
| 184 | 4.500% | 0.000% | $1,020 | $494 | $526 | $131,304 | 7.500% | 3.000% | $1,398 | $934 | $464 | $149,014 | 13.500% | 13.500% | $2,266 | $1,953 | $313 | $173,264 |
| 185 | 4.500% | 0.000% | $1,020 | $492 | $528 | $130,776 | 7.500% | 3.000% | $1,398 | $931 | $467 | $148,546 | 13.500% | 13.500% | $2,266 | $1,949 | $316 | $172,948 |
| 186 | 4.500% | 0.000% | $1,020 | $490 | $530 | $130,246 | 7.500% | 3.000% | $1,398 | $928 | $470 | $148,076 | 13.500% | 13.500% | $2,266 | $1,946 | $320 | $172,628 |
| 187 | 4.500% | 0.000% | $1,020 | $488 | $532 | $129,714 | 7.500% | 3.000% | $1,398 | $925 | $473 | $147,603 | 13.500% | 13.500% | $2,266 | $1,942 | $323 | $172,305 |
| 188 | 4.500% | 0.000% | $1,020 | $486 | $534 | $129,180 | 7.500% | 3.000% | $1,398 | $923 | $476 | $147,128 | 13.500% | 13.500% | $2,266 | $1,938 | $327 | $171,978 |
| 189 | 4.500% | 0.000% | $1,020 | $484 | $536 | $128,644 | 7.500% | 3.000% | $1,398 | $920 | $479 | $146,649 | 13.500% | 13.500% | $2,266 | $1,935 | $331 | $171,647 |
| 190 | 4.500% | 0.000% | $1,020 | $482 | $538 | $128,106 | 7.500% | 3.000% | $1,398 | $917 | $482 | $146,167 | 13.500% | 13.500% | $2,266 | $1,931 | $335 | $171,312 |
| 191 | 4.500% | 0.000% | $1,020 | $480 | $540 | $127,565 | 7.500% | 3.000% | $1,398 | $914 | $485 | $145,682 | 13.500% | 13.500% | $2,266 | $1,927 | $338 | $170,974 |
| 192 | 4.500% | 0.000% | $1,020 | $478 | $542 | $127,023 | 7.500% | 3.000% | $1,398 | $911 | $488 | $145,194 | 13.500% | 13.500% | $2,266 | $1,923 | $342 | $170,632 |
| Year 16 | $12,246 | $5,872 | $6,374 | $16,781 | $11,122 | $5,659 | $27,186 | $23,324 | $3,863 | |||||||||
| 193 | 4.500% | 0.000% | $1,020 | $476 | $544 | $126,479 | 7.500% | 3.000% | $1,398 | $907 | $491 | $144,703 | 13.500% | 13.500% | $2,266 | $1,920 | $346 | $170,286 |
| 194 | 4.500% | 0.000% | $1,020 | $474 | $546 | $125,933 | 7.500% | 3.000% | $1,398 | $904 | $494 | $144,209 | 13.500% | 13.500% | $2,266 | $1,916 | $350 | $169,936 |
| 195 | 4.500% | 0.000% | $1,020 | $472 | $548 | $125,385 | 7.500% | 3.000% | $1,398 | $901 | $497 | $143,712 | 13.500% | 13.500% | $2,266 | $1,912 | $354 | $169,582 |
| 196 | 4.500% | 0.000% | $1,020 | $470 | $550 | $124,834 | 7.500% | 3.000% | $1,398 | $898 | $500 | $143,212 | 13.500% | 13.500% | $2,266 | $1,908 | $358 | $169,225 |
| 197 | 4.500% | 0.000% | $1,020 | $468 | $552 | $124,282 | 7.500% | 3.000% | $1,398 | $895 | $503 | $142,708 | 13.500% | 13.500% | $2,266 | $1,904 | $362 | $168,863 |
| 198 | 4.500% | 0.000% | $1,020 | $466 | $554 | $123,728 | 7.500% | 3.000% | $1,398 | $892 | $507 | $142,202 | 13.500% | 13.500% | $2,266 | $1,900 | $366 | $168,497 |
| 199 | 4.500% | 0.000% | $1,020 | $464 | $557 | $123,171 | 7.500% | 3.000% | $1,398 | $889 | $510 | $141,692 | 13.500% | 13.500% | $2,266 | $1,896 | $370 | $168,127 |
| 200 | 4.500% | 0.000% | $1,020 | $462 | $559 | $122,612 | 7.500% | 3.000% | $1,398 | $886 | $513 | $141,179 | 13.500% | 13.500% | $2,266 | $1,891 | $374 | $167,753 |
| 201 | 4.500% | 0.000% | $1,020 | $460 | $561 | $122,052 | 7.500% | 3.000% | $1,398 | $882 | $516 | $140,663 | 13.500% | 13.500% | $2,266 | $1,887 | $378 | $167,375 |
| 202 | 4.500% | 0.000% | $1,020 | $458 | $563 | $121,489 | 7.500% | 3.000% | $1,398 | $879 | $519 | $140,144 | 13.500% | 13.500% | $2,266 | $1,883 | $383 | $166,992 |
| 203 | 4.500% | 0.000% | $1,020 | $456 | $565 | $120,924 | 7.500% | 3.000% | $1,398 | $876 | $523 | $139,621 | 13.500% | 13.500% | $2,266 | $1,879 | $387 | $166,605 |
| 204 | 4.500% | 0.000% | $1,020 | $453 | $567 | $120,357 | 7.500% | 3.000% | $1,398 | $873 | $526 | $139,096 | 13.500% | 13.500% | $2,266 | $1,874 | $391 | $166,214 |
| Year 17 | $12,246 | $5,580 | $6,666 | $16,781 | $10,683 | $6,098 | $27,186 | $22,769 | $4,418 | |||||||||
| 205 | 4.500% | 0.000% | $1,020 | $451 | $569 | $119,788 | 7.500% | 3.000% | $1,398 | $869 | $529 | $138,566 | 13.500% | 13.500% | $2,266 | $1,870 | $396 | $165,818 |
| 206 | 4.500% | 0.000% | $1,020 | $449 | $571 | $119,217 | 7.500% | 3.000% | $1,398 | $866 | $532 | $138,034 | 13.500% | 13.500% | $2,266 | $1,865 | $400 | $165,418 |
| 207 | 4.500% | 0.000% | $1,020 | $447 | $573 | $118,643 | 7.500% | 3.000% | $1,398 | $863 | $536 | $137,498 | 13.500% | 13.500% | $2,266 | $1,861 | $405 | $165,014 |
| 208 | 4.500% | 0.000% | $1,020 | $445 | $576 | $118,067 | 7.500% | 3.000% | $1,398 | $859 | $539 | $136,959 | 13.500% | 13.500% | $2,266 | $1,856 | $409 | $164,605 |
| 209 | 4.500% | 0.000% | $1,020 | $443 | $578 | $117,490 | 7.500% | 3.000% | $1,398 | $856 | $542 | $136,417 | 13.500% | 13.500% | $2,266 | $1,852 | $414 | $164,191 |
| 210 | 4.500% | 0.000% | $1,020 | $441 | $580 | $116,910 | 7.500% | 3.000% | $1,398 | $853 | $546 | $135,871 | 13.500% | 13.500% | $2,266 | $1,847 | $418 | $163,772 |
| 211 | 4.500% | 0.000% | $1,020 | $438 | $582 | $116,328 | 7.500% | 3.000% | $1,398 | $849 | $549 | $135,322 | 13.500% | 13.500% | $2,266 | $1,842 | $423 | $163,349 |
| 212 | 4.500% | 0.000% | $1,020 | $436 | $584 | $115,743 | 7.500% | 3.000% | $1,398 | $846 | $553 | $134,769 | 13.500% | 13.500% | $2,266 | $1,838 | $428 | $162,922 |
| 213 | 4.500% | 0.000% | $1,020 | $434 | $586 | $115,157 | 7.500% | 3.000% | $1,398 | $842 | $556 | $134,213 | 13.500% | 13.500% | $2,266 | $1,833 | $433 | $162,489 |
| 214 | 4.500% | 0.000% | $1,020 | $432 | $589 | $114,568 | 7.500% | 3.000% | $1,398 | $839 | $560 | $133,653 | 13.500% | 13.500% | $2,266 | $1,828 | $438 | $162,051 |
| 215 | 4.500% | 0.000% | $1,020 | $430 | $591 | $113,977 | 7.500% | 3.000% | $1,398 | $835 | $563 | $133,090 | 13.500% | 13.500% | $2,266 | $1,823 | $442 | $161,609 |
| 216 | 4.500% | 0.000% | $1,020 | $427 | $593 | $113,384 | 7.500% | 3.000% | $1,398 | $832 | $567 | $132,524 | 13.500% | 13.500% | $2,266 | $1,818 | $447 | $161,161 |
| Year 18 | $12,246 | $5,273 | $6,973 | $16,781 | $10,209 | $6,572 | $27,186 | $22,134 | $5,053 | |||||||||
| 217 | 4.500% | 0.000% | $1,020 | $425 | $595 | $112,789 | 7.500% | 3.000% | $1,398 | $828 | $570 | $131,954 | 13.500% | 13.500% | $2,266 | $1,813 | $452 | $160,709 |
| 218 | 4.500% | 0.000% | $1,020 | $423 | $598 | $112,192 | 7.500% | 3.000% | $1,398 | $825 | $574 | $131,380 | 13.500% | 13.500% | $2,266 | $1,808 | $458 | $160,251 |
| 219 | 4.500% | 0.000% | $1,020 | $421 | $600 | $111,592 | 7.500% | 3.000% | $1,398 | $821 | $577 | $130,803 | 13.500% | 13.500% | $2,266 | $1,803 | $463 | $159,789 |
| 220 | 4.500% | 0.000% | $1,020 | $418 | $602 | $110,990 | 7.500% | 3.000% | $1,398 | $818 | $581 | $130,222 | 13.500% | 13.500% | $2,266 | $1,798 | $468 | $159,321 |
| 221 | 4.500% | 0.000% | $1,020 | $416 | $604 | $110,385 | 7.500% | 3.000% | $1,398 | $814 | $585 | $129,637 | 13.500% | 13.500% | $2,266 | $1,792 | $473 | $158,848 |
| 222 | 4.500% | 0.000% | $1,020 | $414 | $607 | $109,779 | 7.500% | 3.000% | $1,398 | $810 | $588 | $129,049 | 13.500% | 13.500% | $2,266 | $1,787 | $478 | $158,369 |
| 223 | 4.500% | 0.000% | $1,020 | $412 | $609 | $109,170 | 7.500% | 3.000% | $1,398 | $807 | $592 | $128,457 | 13.500% | 13.500% | $2,266 | $1,782 | $484 | $157,885 |
| 224 | 4.500% | 0.000% | $1,020 | $409 | $611 | $108,559 | 7.500% | 3.000% | $1,398 | $803 | $596 | $127,861 | 13.500% | 13.500% | $2,266 | $1,776 | $489 | $157,396 |
| 225 | 4.500% | 0.000% | $1,020 | $407 | $613 | $107,946 | 7.500% | 3.000% | $1,398 | $799 | $599 | $127,262 | 13.500% | 13.500% | $2,266 | $1,771 | $495 | $156,901 |
| 226 | 4.500% | 0.000% | $1,020 | $405 | $616 | $107,330 | 7.500% | 3.000% | $1,398 | $795 | $603 | $126,659 | 13.500% | 13.500% | $2,266 | $1,765 | $500 | $156,401 |
| 227 | 4.500% | 0.000% | $1,020 | $402 | $618 | $106,712 | 7.500% | 3.000% | $1,398 | $792 | $607 | $126,052 | 13.500% | 13.500% | $2,266 | $1,760 | $506 | $155,895 |
| 228 | 4.500% | 0.000% | $1,020 | $400 | $620 | $106,092 | 7.500% | 3.000% | $1,398 | $788 | $611 | $125,442 | 13.500% | 13.500% | $2,266 | $1,754 | $512 | $155,383 |
| Year 19 | $12,246 | $4,953 | $7,293 | $16,781 | $9,699 | $7,082 | $27,186 | $21,408 | $5,779 | |||||||||
| 229 | 4.500% | 0.000% | $1,020 | $398 | $623 | $105,469 | 7.500% | 3.000% | $1,398 | $784 | $614 | $124,827 | 13.500% | 13.500% | $2,266 | $1,748 | $517 | $154,865 |
| 230 | 4.500% | 0.000% | $1,020 | $396 | $625 | $104,844 | 7.500% | 3.000% | $1,398 | $780 | $618 | $124,209 | 13.500% | 13.500% | $2,266 | $1,742 | $523 | $154,342 |
| 231 | 4.500% | 0.000% | $1,020 | $393 | $627 | $104,217 | 7.500% | 3.000% | $1,398 | $776 | $622 | $123,587 | 13.500% | 13.500% | $2,266 | $1,736 | $529 | $153,813 |
| 232 | 4.500% | 0.000% | $1,020 | $391 | $630 | $103,587 | 7.500% | 3.000% | $1,398 | $772 | $626 | $122,961 | 13.500% | 13.500% | $2,266 | $1,730 | $535 | $153,278 |
| 233 | 4.500% | 0.000% | $1,020 | $388 | $632 | $102,955 | 7.500% | 3.000% | $1,398 | $769 | $630 | $122,331 | 13.500% | 13.500% | $2,266 | $1,724 | $541 | $152,737 |
| 234 | 4.500% | 0.000% | $1,020 | $386 | $634 | $102,320 | 7.500% | 3.000% | $1,398 | $765 | $634 | $121,697 | 13.500% | 13.500% | $2,266 | $1,718 | $547 | $152,189 |
| 235 | 4.500% | 0.000% | $1,020 | $384 | $637 | $101,684 | 7.500% | 3.000% | $1,398 | $761 | $638 | $121,059 | 13.500% | 13.500% | $2,266 | $1,712 | $553 | $151,636 |
| 236 | 4.500% | 0.000% | $1,020 | $381 | $639 | $101,044 | 7.500% | 3.000% | $1,398 | $757 | $642 | $120,417 | 13.500% | 13.500% | $2,266 | $1,706 | $560 | $151,076 |
| 237 | 4.500% | 0.000% | $1,020 | $379 | $642 | $100,403 | 7.500% | 3.000% | $1,398 | $753 | $646 | $119,772 | 13.500% | 13.500% | $2,266 | $1,700 | $566 | $150,510 |
| 238 | 4.500% | 0.000% | $1,020 | $377 | $644 | $99,759 | 7.500% | 3.000% | $1,398 | $749 | $650 | $119,122 | 13.500% | 13.500% | $2,266 | $1,693 | $572 | $149,938 |
| 239 | 4.500% | 0.000% | $1,020 | $374 | $646 | $99,112 | 7.500% | 3.000% | $1,398 | $745 | $654 | $118,468 | 13.500% | 13.500% | $2,266 | $1,687 | $579 | $149,359 |
| 240 | 4.500% | 0.000% | $1,020 | $372 | $649 | $98,464 | 7.500% | 3.000% | $1,398 | $740 | $658 | $117,810 | 13.500% | 13.500% | $2,266 | $1,680 | $585 | $148,774 |
| Year 20 | $12,246 | $4,618 | $7,628 | $16,781 | $9,149 | $7,632 | $27,186 | $20,578 | $6,609 | |||||||||
| 241 | 4.500% | 0.000% | $1,020 | $369 | $651 | $97,812 | 7.500% | 3.000% | $1,398 | $736 | $662 | $117,148 | 13.500% | 13.500% | $2,266 | $1,674 | $592 | $148,182 |
| 242 | 4.500% | 0.000% | $1,020 | $367 | $654 | $97,159 | 7.500% | 3.000% | $1,398 | $732 | $666 | $116,481 | 13.500% | 13.500% | $2,266 | $1,667 | $598 | $147,584 |
| 243 | 4.500% | 0.000% | $1,020 | $364 | $656 | $96,502 | 7.500% | 3.000% | $1,398 | $728 | $670 | $115,811 | 13.500% | 13.500% | $2,266 | $1,660 | $605 | $146,979 |
| 244 | 4.500% | 0.000% | $1,020 | $362 | $659 | $95,844 | 7.500% | 3.000% | $1,398 | $724 | $675 | $115,136 | 13.500% | 13.500% | $2,266 | $1,654 | $612 | $146,366 |
| 245 | 4.500% | 0.000% | $1,020 | $359 | $661 | $95,183 | 7.500% | 3.000% | $1,398 | $720 | $679 | $114,458 | 13.500% | 13.500% | $2,266 | $1,647 | $619 | $145,748 |
| 246 | 4.500% | 0.000% | $1,020 | $357 | $664 | $94,519 | 7.500% | 3.000% | $1,398 | $715 | $683 | $113,775 | 13.500% | 13.500% | $2,266 | $1,640 | $626 | $145,122 |
| 247 | 4.500% | 0.000% | $1,020 | $354 | $666 | $93,853 | 7.500% | 3.000% | $1,398 | $711 | $687 | $113,087 | 13.500% | 13.500% | $2,266 | $1,633 | $633 | $144,489 |
| 248 | 4.500% | 0.000% | $1,020 | $352 | $669 | $93,185 | 7.500% | 3.000% | $1,398 | $707 | $692 | $112,396 | 13.500% | 13.500% | $2,266 | $1,626 | $640 | $143,849 |
| 249 | 4.500% | 0.000% | $1,020 | $349 | $671 | $92,514 | 7.500% | 3.000% | $1,398 | $702 | $696 | $111,700 | 13.500% | 13.500% | $2,266 | $1,618 | $647 | $143,201 |
| 250 | 4.500% | 0.000% | $1,020 | $347 | $674 | $91,840 | 7.500% | 3.000% | $1,398 | $698 | $700 | $110,999 | 13.500% | 13.500% | $2,266 | $1,611 | $655 | $142,547 |
| 251 | 4.500% | 0.000% | $1,020 | $344 | $676 | $91,164 | 7.500% | 3.000% | $1,398 | $694 | $705 | $110,295 | 13.500% | 13.500% | $2,266 | $1,604 | $662 | $141,885 |
| 252 | 4.500% | 0.000% | $1,020 | $342 | $679 | $90,485 | 7.500% | 3.000% | $1,398 | $689 | $709 | $109,586 | 13.500% | 13.500% | $2,266 | $1,596 | $669 | $141,216 |
| Year 21 | $12,246 | $4,268 | $7,978 | $16,781 | $8,557 | $8,224 | $27,186 | $19,628 | $7,558 | |||||||||
| 253 | 4.500% | 0.000% | $1,020 | $339 | $681 | $89,804 | 7.500% | 3.000% | $1,398 | $685 | $714 | $108,872 | 13.500% | 13.500% | $2,266 | $1,589 | $677 | $140,539 |
| 254 | 4.500% | 0.000% | $1,020 | $337 | $684 | $89,120 | 7.500% | 3.000% | $1,398 | $680 | $718 | $108,154 | 13.500% | 13.500% | $2,266 | $1,581 | $684 | $139,854 |
| 255 | 4.500% | 0.000% | $1,020 | $334 | $686 | $88,434 | 7.500% | 3.000% | $1,398 | $676 | $722 | $107,432 | 13.500% | 13.500% | $2,266 | $1,573 | $692 | $139,162 |
| 256 | 4.500% | 0.000% | $1,020 | $332 | $689 | $87,745 | 7.500% | 3.000% | $1,398 | $671 | $727 | $106,705 | 13.500% | 13.500% | $2,266 | $1,566 | $700 | $138,462 |
| 257 | 4.500% | 0.000% | $1,020 | $329 | $691 | $87,054 | 7.500% | 3.000% | $1,398 | $667 | $732 | $105,973 | 13.500% | 13.500% | $2,266 | $1,558 | $708 | $137,754 |
| 258 | 4.500% | 0.000% | $1,020 | $326 | $694 | $86,360 | 7.500% | 3.000% | $1,398 | $662 | $736 | $105,237 | 13.500% | 13.500% | $2,266 | $1,550 | $716 | $137,039 |
| 259 | 4.500% | 0.000% | $1,020 | $324 | $697 | $85,663 | 7.500% | 3.000% | $1,398 | $658 | $741 | $104,496 | 13.500% | 13.500% | $2,266 | $1,542 | $724 | $136,315 |
| 260 | 4.500% | 0.000% | $1,020 | $321 | $699 | $84,964 | 7.500% | 3.000% | $1,398 | $653 | $745 | $103,751 | 13.500% | 13.500% | $2,266 | $1,534 | $732 | $135,583 |
| 261 | 4.500% | 0.000% | $1,020 | $319 | $702 | $84,262 | 7.500% | 3.000% | $1,398 | $648 | $750 | $103,001 | 13.500% | 13.500% | $2,266 | $1,525 | $740 | $134,843 |
| 262 | 4.500% | 0.000% | $1,020 | $316 | $705 | $83,557 | 7.500% | 3.000% | $1,398 | $644 | $755 | $102,246 | 13.500% | 13.500% | $2,266 | $1,517 | $749 | $134,094 |
| 263 | 4.500% | 0.000% | $1,020 | $313 | $707 | $82,850 | 7.500% | 3.000% | $1,398 | $639 | $759 | $101,487 | 13.500% | 13.500% | $2,266 | $1,509 | $757 | $133,337 |
| 264 | 4.500% | 0.000% | $1,020 | $311 | $710 | $82,140 | 7.500% | 3.000% | $1,398 | $634 | $764 | $100,723 | 13.500% | 13.500% | $2,266 | $1,500 | $766 | $132,572 |
| Year 22 | $12,246 | $3,901 | $8,345 | $16,781 | $7,918 | $8,863 | $27,186 | $18,542 | $8,644 | |||||||||
| 265 | 4.500% | 0.000% | $1,020 | $308 | $712 | $81,428 | 7.500% | 3.000% | $1,398 | $630 | $769 | $99,954 | 13.500% | 13.500% | $2,266 | $1,491 | $774 | $131,797 |
| 266 | 4.500% | 0.000% | $1,020 | $305 | $715 | $80,713 | 7.500% | 3.000% | $1,398 | $625 | $774 | $99,180 | 13.500% | 13.500% | $2,266 | $1,483 | $783 | $131,015 |
| 267 | 4.500% | 0.000% | $1,020 | $303 | $718 | $79,995 | 7.500% | 3.000% | $1,398 | $620 | $779 | $98,402 | 13.500% | 13.500% | $2,266 | $1,474 | $792 | $130,223 |
| 268 | 4.500% | 0.000% | $1,020 | $300 | $721 | $79,274 | 7.500% | 3.000% | $1,398 | $615 | $783 | $97,618 | 13.500% | 13.500% | $2,266 | $1,465 | $801 | $129,422 |
| 269 | 4.500% | 0.000% | $1,020 | $297 | $723 | $78,551 | 7.500% | 3.000% | $1,398 | $610 | $788 | $96,830 | 13.500% | 13.500% | $2,266 | $1,456 | $810 | $128,613 |
| 270 | 4.500% | 0.000% | $1,020 | $295 | $726 | $77,825 | 7.500% | 3.000% | $1,398 | $605 | $793 | $96,037 | 13.500% | 13.500% | $2,266 | $1,447 | $819 | $127,794 |
| 271 | 4.500% | 0.000% | $1,020 | $292 | $729 | $77,097 | 7.500% | 3.000% | $1,398 | $600 | $798 | $95,238 | 13.500% | 13.500% | $2,266 | $1,438 | $828 | $126,966 |
| 272 | 4.500% | 0.000% | $1,020 | $289 | $731 | $76,365 | 7.500% | 3.000% | $1,398 | $595 | $803 | $94,435 | 13.500% | 13.500% | $2,266 | $1,428 | $837 | $126,129 |
| 273 | 4.500% | 0.000% | $1,020 | $286 | $734 | $75,631 | 7.500% | 3.000% | $1,398 | $590 | $808 | $93,627 | 13.500% | 13.500% | $2,266 | $1,419 | $847 | $125,283 |
| 274 | 4.500% | 0.000% | $1,020 | $284 | $737 | $74,894 | 7.500% | 3.000% | $1,398 | $585 | $813 | $92,814 | 13.500% | 13.500% | $2,266 | $1,409 | $856 | $124,426 |
| 275 | 4.500% | 0.000% | $1,020 | $281 | $740 | $74,154 | 7.500% | 3.000% | $1,398 | $580 | $818 | $91,995 | 13.500% | 13.500% | $2,266 | $1,400 | $866 | $123,561 |
| 276 | 4.500% | 0.000% | $1,020 | $278 | $742 | $73,412 | 7.500% | 3.000% | $1,398 | $575 | $823 | $91,172 | 13.500% | 13.500% | $2,266 | $1,390 | $875 | $122,685 |
| Year 23 | $12,246 | $3,518 | $8,728 | $16,781 | $7,230 | $9,551 | $27,186 | $17,300 | $9,886 | |||||||||
| 277 | 4.500% | 0.000% | $1,020 | $275 | $745 | $72,667 | 7.500% | 3.000% | $1,398 | $570 | $829 | $90,343 | 13.500% | 13.500% | $2,266 | $1,380 | $885 | $121,800 |
| 278 | 4.500% | 0.000% | $1,020 | $272 | $748 | $71,919 | 7.500% | 3.000% | $1,398 | $565 | $834 | $89,510 | 13.500% | 13.500% | $2,266 | $1,370 | $895 | $120,905 |
| 279 | 4.500% | 0.000% | $1,020 | $270 | $751 | $71,168 | 7.500% | 3.000% | $1,398 | $559 | $839 | $88,671 | 13.500% | 13.500% | $2,266 | $1,360 | $905 | $119,999 |
| 280 | 4.500% | 0.000% | $1,020 | $267 | $754 | $70,414 | 7.500% | 3.000% | $1,398 | $554 | $844 | $87,826 | 13.500% | 13.500% | $2,266 | $1,350 | $916 | $119,084 |
| 281 | 4.500% | 0.000% | $1,020 | $264 | $756 | $69,658 | 7.500% | 3.000% | $1,398 | $549 | $850 | $86,977 | 13.500% | 13.500% | $2,266 | $1,340 | $926 | $118,158 |
| 282 | 4.500% | 0.000% | $1,020 | $261 | $759 | $68,899 | 7.500% | 3.000% | $1,398 | $544 | $855 | $86,122 | 13.500% | 13.500% | $2,266 | $1,329 | $936 | $117,222 |
| 283 | 4.500% | 0.000% | $1,020 | $258 | $762 | $68,137 | 7.500% | 3.000% | $1,398 | $538 | $860 | $85,262 | 13.500% | 13.500% | $2,266 | $1,319 | $947 | $116,275 |
| 284 | 4.500% | 0.000% | $1,020 | $256 | $765 | $67,372 | 7.500% | 3.000% | $1,398 | $533 | $866 | $84,396 | 13.500% | 13.500% | $2,266 | $1,308 | $957 | $115,317 |
| 285 | 4.500% | 0.000% | $1,020 | $253 | $768 | $66,604 | 7.500% | 3.000% | $1,398 | $527 | $871 | $83,525 | 13.500% | 13.500% | $2,266 | $1,297 | $968 | $114,349 |
| 286 | 4.500% | 0.000% | $1,020 | $250 | $771 | $65,833 | 7.500% | 3.000% | $1,398 | $522 | $876 | $82,649 | 13.500% | 13.500% | $2,266 | $1,286 | $979 | $113,370 |
| 287 | 4.500% | 0.000% | $1,020 | $247 | $774 | $65,059 | 7.500% | 3.000% | $1,398 | $517 | $882 | $81,767 | 13.500% | 13.500% | $2,266 | $1,275 | $990 | $112,380 |
| 288 | 4.500% | 0.000% | $1,020 | $244 | $777 | $64,283 | 7.500% | 3.000% | $1,398 | $511 | $887 | $80,880 | 13.500% | 13.500% | $2,266 | $1,264 | $1,001 | $111,379 |
| Year 24 | $12,246 | $3,117 | $9,129 | $16,781 | $6,489 | $10,292 | $27,186 | $15,880 | $11,307 | |||||||||
| 289 | 4.500% | 0.000% | $1,020 | $241 | $779 | $63,503 | 7.500% | 3.000% | $1,398 | $506 | $893 | $79,987 | 13.500% | 13.500% | $2,266 | $1,253 | $1,013 | $110,366 |
| 290 | 4.500% | 0.000% | $1,020 | $238 | $782 | $62,721 | 7.500% | 3.000% | $1,398 | $500 | $899 | $79,088 | 13.500% | 13.500% | $2,266 | $1,242 | $1,024 | $109,342 |
| 291 | 4.500% | 0.000% | $1,020 | $235 | $785 | $61,936 | 7.500% | 3.000% | $1,398 | $494 | $904 | $78,184 | 13.500% | 13.500% | $2,266 | $1,230 | $1,035 | $108,307 |
| 292 | 4.500% | 0.000% | $1,020 | $232 | $788 | $61,148 | 7.500% | 3.000% | $1,398 | $489 | $910 | $77,274 | 13.500% | 13.500% | $2,266 | $1,218 | $1,047 | $107,260 |
| 293 | 4.500% | 0.000% | $1,020 | $229 | $791 | $60,356 | 7.500% | 3.000% | $1,398 | $483 | $915 | $76,359 | 13.500% | 13.500% | $2,266 | $1,207 | $1,059 | $106,201 |
| 294 | 4.500% | 0.000% | $1,020 | $226 | $794 | $59,562 | 7.500% | 3.000% | $1,398 | $477 | $921 | $75,438 | 13.500% | 13.500% | $2,266 | $1,195 | $1,071 | $105,130 |
| 295 | 4.500% | 0.000% | $1,020 | $223 | $797 | $58,765 | 7.500% | 3.000% | $1,398 | $471 | $927 | $74,511 | 13.500% | 13.500% | $2,266 | $1,183 | $1,083 | $104,047 |
| 296 | 4.500% | 0.000% | $1,020 | $220 | $800 | $57,965 | 7.500% | 3.000% | $1,398 | $466 | $933 | $73,578 | 13.500% | 13.500% | $2,266 | $1,171 | $1,095 | $102,952 |
| 297 | 4.500% | 0.000% | $1,020 | $217 | $803 | $57,162 | 7.500% | 3.000% | $1,398 | $460 | $939 | $72,639 | 13.500% | 13.500% | $2,266 | $1,158 | $1,107 | $101,845 |
| 298 | 4.500% | 0.000% | $1,020 | $214 | $806 | $56,356 | 7.500% | 3.000% | $1,398 | $454 | $944 | $71,695 | 13.500% | 13.500% | $2,266 | $1,146 | $1,120 | $100,725 |
| 299 | 4.500% | 0.000% | $1,020 | $211 | $809 | $55,546 | 7.500% | 3.000% | $1,398 | $448 | $950 | $70,745 | 13.500% | 13.500% | $2,266 | $1,133 | $1,132 | $99,593 |
| 300 | 4.500% | 0.000% | $1,020 | $208 | $812 | $54,734 | 7.500% | 3.000% | $1,398 | $442 | $956 | $69,788 | 13.500% | 13.500% | $2,266 | $1,120 | $1,145 | $98,448 |
| Year 25 | $12,246 | $2,697 | $9,549 | $16,781 | $5,690 | $11,091 | $27,186 | $14,255 | $12,931 | |||||||||
| 301 | 4.500% | 0.000% | $1,020 | $205 | $815 | $53,919 | 7.500% | 3.000% | $1,398 | $436 | $962 | $68,826 | 13.500% | 13.500% | $2,266 | $1,108 | $1,158 | $97,290 |
| 302 | 4.500% | 0.000% | $1,020 | $202 | $818 | $53,101 | 7.500% | 3.000% | $1,398 | $430 | $968 | $67,858 | 13.500% | 13.500% | $2,266 | $1,095 | $1,171 | $96,119 |
| 303 | 4.500% | 0.000% | $1,020 | $199 | $821 | $52,279 | 7.500% | 3.000% | $1,398 | $424 | $974 | $66,883 | 13.500% | 13.500% | $2,266 | $1,081 | $1,184 | $94,934 |
| 304 | 4.500% | 0.000% | $1,020 | $196 | $824 | $51,455 | 7.500% | 3.000% | $1,398 | $418 | $980 | $65,903 | 13.500% | 13.500% | $2,266 | $1,068 | $1,198 | $93,737 |
| 305 | 4.500% | 0.000% | $1,020 | $193 | $828 | $50,627 | 7.500% | 3.000% | $1,398 | $412 | $987 | $64,917 | 13.500% | 13.500% | $2,266 | $1,055 | $1,211 | $92,526 |
| 306 | 4.500% | 0.000% | $1,020 | $190 | $831 | $49,797 | 7.500% | 3.000% | $1,398 | $406 | $993 | $63,924 | 13.500% | 13.500% | $2,266 | $1,041 | $1,225 | $91,301 |
| 307 | 4.500% | 0.000% | $1,020 | $187 | $834 | $48,963 | 7.500% | 3.000% | $1,398 | $400 | $999 | $62,925 | 13.500% | 13.500% | $2,266 | $1,027 | $1,238 | $90,063 |
| 308 | 4.500% | 0.000% | $1,020 | $184 | $837 | $48,126 | 7.500% | 3.000% | $1,398 | $393 | $1,005 | $61,920 | 13.500% | 13.500% | $2,266 | $1,013 | $1,252 | $88,810 |
| 309 | 4.500% | 0.000% | $1,020 | $180 | $840 | $47,286 | 7.500% | 3.000% | $1,398 | $387 | $1,011 | $60,908 | 13.500% | 13.500% | $2,266 | $999 | $1,266 | $87,544 |
| 310 | 4.500% | 0.000% | $1,020 | $177 | $843 | $46,443 | 7.500% | 3.000% | $1,398 | $381 | $1,018 | $59,891 | 13.500% | 13.500% | $2,266 | $985 | $1,281 | $86,263 |
| 311 | 4.500% | 0.000% | $1,020 | $174 | $846 | $45,596 | 7.500% | 3.000% | $1,398 | $374 | $1,024 | $58,866 | 13.500% | 13.500% | $2,266 | $970 | $1,295 | $84,968 |
| 312 | 4.500% | 0.000% | $1,020 | $171 | $850 | $44,747 | 7.500% | 3.000% | $1,398 | $368 | $1,031 | $57,836 | 13.500% | 13.500% | $2,266 | $956 | $1,310 | $83,659 |
| Year 26 | $12,246 | $2,259 | $9,987 | $16,781 | $4,829 | $11,952 | $27,186 | $12,398 | $14,789 | |||||||||
| 313 | 4.500% | 0.000% | $1,020 | $168 | $853 | $43,894 | 7.500% | 3.000% | $1,398 | $361 | $1,037 | $56,799 | 13.500% | 13.500% | $2,266 | $941 | $1,324 | $82,334 |
| 314 | 4.500% | 0.000% | $1,020 | $165 | $856 | $43,038 | 7.500% | 3.000% | $1,398 | $355 | $1,043 | $55,756 | 13.500% | 13.500% | $2,266 | $926 | $1,339 | $80,995 |
| 315 | 4.500% | 0.000% | $1,020 | $161 | $859 | $42,179 | 7.500% | 3.000% | $1,398 | $348 | $1,050 | $54,706 | 13.500% | 13.500% | $2,266 | $911 | $1,354 | $79,641 |
| 316 | 4.500% | 0.000% | $1,020 | $158 | $862 | $41,317 | 7.500% | 3.000% | $1,398 | $342 | $1,057 | $53,649 | 13.500% | 13.500% | $2,266 | $896 | $1,370 | $78,271 |
| 317 | 4.500% | 0.000% | $1,020 | $155 | $866 | $40,451 | 7.500% | 3.000% | $1,398 | $335 | $1,063 | $52,586 | 13.500% | 13.500% | $2,266 | $881 | $1,385 | $76,886 |
| 318 | 4.500% | 0.000% | $1,020 | $152 | $869 | $39,583 | 7.500% | 3.000% | $1,398 | $329 | $1,070 | $51,516 | 13.500% | 13.500% | $2,266 | $865 | $1,401 | $75,485 |
| 319 | 4.500% | 0.000% | $1,020 | $148 | $872 | $38,710 | 7.500% | 3.000% | $1,398 | $322 | $1,076 | $50,440 | 13.500% | 13.500% | $2,266 | $849 | $1,416 | $74,069 |
| 320 | 4.500% | 0.000% | $1,020 | $145 | $875 | $37,835 | 7.500% | 3.000% | $1,398 | $315 | $1,083 | $49,357 | 13.500% | 13.500% | $2,266 | $833 | $1,432 | $72,637 |
| 321 | 4.500% | 0.000% | $1,020 | $142 | $879 | $36,957 | 7.500% | 3.000% | $1,398 | $308 | $1,090 | $48,267 | 13.500% | 13.500% | $2,266 | $817 | $1,448 | $71,188 |
| 322 | 4.500% | 0.000% | $1,020 | $139 | $882 | $36,075 | 7.500% | 3.000% | $1,398 | $302 | $1,097 | $47,170 | 13.500% | 13.500% | $2,266 | $801 | $1,465 | $69,724 |
| 323 | 4.500% | 0.000% | $1,020 | $135 | $885 | $35,189 | 7.500% | 3.000% | $1,398 | $295 | $1,104 | $46,066 | 13.500% | 13.500% | $2,266 | $784 | $1,481 | $68,243 |
| 324 | 4.500% | 0.000% | $1,020 | $132 | $889 | $34,301 | 7.500% | 3.000% | $1,398 | $288 | $1,111 | $44,956 | 13.500% | 13.500% | $2,266 | $768 | $1,498 | $66,745 |
| Year 27 | $12,246 | $1,800 | $10,446 | $16,781 | $3,901 | $12,880 | $27,186 | $10,273 | $16,914 | |||||||||
| 325 | 4.500% | 0.000% | $1,020 | $129 | $892 | $33,409 | 7.500% | 3.000% | $1,398 | $281 | $1,117 | $43,838 | 13.500% | 13.500% | $2,266 | $751 | $1,515 | $65,230 |
| 326 | 4.500% | 0.000% | $1,020 | $125 | $895 | $32,514 | 7.500% | 3.000% | $1,398 | $274 | $1,124 | $42,714 | 13.500% | 13.500% | $2,266 | $734 | $1,532 | $63,699 |
| 327 | 4.500% | 0.000% | $1,020 | $122 | $899 | $31,615 | 7.500% | 3.000% | $1,398 | $267 | $1,131 | $41,582 | 13.500% | 13.500% | $2,266 | $717 | $1,549 | $62,150 |
| 328 | 4.500% | 0.000% | $1,020 | $119 | $902 | $30,713 | 7.500% | 3.000% | $1,398 | $260 | $1,139 | $40,444 | 13.500% | 13.500% | $2,266 | $699 | $1,566 | $60,583 |
| 329 | 4.500% | 0.000% | $1,020 | $115 | $905 | $29,808 | 7.500% | 3.000% | $1,398 | $253 | $1,146 | $39,298 | 13.500% | 13.500% | $2,266 | $682 | $1,584 | $58,999 |
| 330 | 4.500% | 0.000% | $1,020 | $112 | $909 | $28,899 | 7.500% | 3.000% | $1,398 | $246 | $1,153 | $38,145 | 13.500% | 13.500% | $2,266 | $664 | $1,602 | $57,397 |
| 331 | 4.500% | 0.000% | $1,020 | $108 | $912 | $27,987 | 7.500% | 3.000% | $1,398 | $238 | $1,160 | $36,985 | 13.500% | 13.500% | $2,266 | $646 | $1,620 | $55,778 |
| 332 | 4.500% | 0.000% | $1,020 | $105 | $916 | $27,072 | 7.500% | 3.000% | $1,398 | $231 | $1,167 | $35,818 | 13.500% | 13.500% | $2,266 | $628 | $1,638 | $54,140 |
| 333 | 4.500% | 0.000% | $1,020 | $102 | $919 | $26,153 | 7.500% | 3.000% | $1,398 | $224 | $1,175 | $34,643 | 13.500% | 13.500% | $2,266 | $609 | $1,656 | $52,483 |
| 334 | 4.500% | 0.000% | $1,020 | $98 | $922 | $25,230 | 7.500% | 3.000% | $1,398 | $217 | $1,182 | $33,462 | 13.500% | 13.500% | $2,266 | $590 | $1,675 | $50,808 |
| 335 | 4.500% | 0.000% | $1,020 | $95 | $926 | $24,304 | 7.500% | 3.000% | $1,398 | $209 | $1,189 | $32,272 | 13.500% | 13.500% | $2,266 | $572 | $1,694 | $49,114 |
| 336 | 4.500% | 0.000% | $1,020 | $91 | $929 | $23,375 | 7.500% | 3.000% | $1,398 | $202 | $1,197 | $31,076 | 13.500% | 13.500% | $2,266 | $553 | $1,713 | $47,401 |
| Year 28 | $12,246 | $1,320 | $10,926 | $16,781 | $2,901 | $13,880 | $27,186 | $7,843 | $19,344 | |||||||||
| 337 | 4.500% | 0.000% | $1,020 | $88 | $933 | $22,442 | 7.500% | 3.000% | $1,398 | $194 | $1,204 | $29,871 | 13.500% | 13.500% | $2,266 | $533 | $1,732 | $45,669 |
| 338 | 4.500% | 0.000% | $1,020 | $84 | $936 | $21,506 | 7.500% | 3.000% | $1,398 | $187 | $1,212 | $28,660 | 13.500% | 13.500% | $2,266 | $514 | $1,752 | $43,917 |
| 339 | 4.500% | 0.000% | $1,020 | $81 | $940 | $20,566 | 7.500% | 3.000% | $1,398 | $179 | $1,219 | $27,440 | 13.500% | 13.500% | $2,266 | $494 | $1,771 | $42,146 |
| 340 | 4.500% | 0.000% | $1,020 | $77 | $943 | $19,622 | 7.500% | 3.000% | $1,398 | $172 | $1,227 | $26,213 | 13.500% | 13.500% | $2,266 | $474 | $1,791 | $40,354 |
| 341 | 4.500% | 0.000% | $1,020 | $74 | $947 | $18,676 | 7.500% | 3.000% | $1,398 | $164 | $1,235 | $24,979 | 13.500% | 13.500% | $2,266 | $454 | $1,812 | $38,543 |
| 342 | 4.500% | 0.000% | $1,020 | $70 | $950 | $17,725 | 7.500% | 3.000% | $1,398 | $156 | $1,242 | $23,736 | 13.500% | 13.500% | $2,266 | $434 | $1,832 | $36,711 |
| 343 | 4.500% | 0.000% | $1,020 | $66 | $954 | $16,771 | 7.500% | 3.000% | $1,398 | $148 | $1,250 | $22,486 | 13.500% | 13.500% | $2,266 | $413 | $1,853 | $34,858 |
| 344 | 4.500% | 0.000% | $1,020 | $63 | $958 | $15,813 | 7.500% | 3.000% | $1,398 | $141 | $1,258 | $21,228 | 13.500% | 13.500% | $2,266 | $392 | $1,873 | $32,985 |
| 345 | 4.500% | 0.000% | $1,020 | $59 | $961 | $14,852 | 7.500% | 3.000% | $1,398 | $133 | $1,266 | $19,963 | 13.500% | 13.500% | $2,266 | $371 | $1,894 | $31,090 |
| 346 | 4.500% | 0.000% | $1,020 | $56 | $965 | $13,887 | 7.500% | 3.000% | $1,398 | $125 | $1,274 | $18,689 | 13.500% | 13.500% | $2,266 | $350 | $1,916 | $29,174 |
| 347 | 4.500% | 0.000% | $1,020 | $52 | $968 | $12,919 | 7.500% | 3.000% | $1,398 | $117 | $1,282 | $17,407 | 13.500% | 13.500% | $2,266 | $328 | $1,937 | $27,237 |
| 348 | 4.500% | 0.000% | $1,020 | $48 | $972 | $11,947 | 7.500% | 3.000% | $1,398 | $109 | $1,290 | $16,118 | 13.500% | 13.500% | $2,266 | $306 | $1,959 | $25,278 |
| Year 29 | $12,246 | $818 | $11,428 | $16,781 | $1,823 | $14,958 | $27,186 | $5,063 | $22,123 | |||||||||
| 349 | 4.500% | 0.000% | $1,020 | $45 | $976 | $10,971 | 7.500% | 3.000% | $1,398 | $101 | $1,298 | $14,820 | 13.500% | 13.500% | $2,266 | $284 | $1,981 | $23,297 |
| 350 | 4.500% | 0.000% | $1,020 | $41 | $979 | $9,992 | 7.500% | 3.000% | $1,398 | $93 | $1,306 | $13,514 | 13.500% | 13.500% | $2,266 | $262 | $2,003 | $21,293 |
| 351 | 4.500% | 0.000% | $1,020 | $37 | $983 | $9,009 | 7.500% | 3.000% | $1,398 | $84 | $1,314 | $12,200 | 13.500% | 13.500% | $2,266 | $240 | $2,026 | $19,267 |
| 352 | 4.500% | 0.000% | $1,020 | $34 | $987 | $8,022 | 7.500% | 3.000% | $1,398 | $76 | $1,322 | $10,878 | 13.500% | 13.500% | $2,266 | $217 | $2,049 | $17,219 |
| 353 | 4.500% | 0.000% | $1,020 | $30 | $990 | $7,032 | 7.500% | 3.000% | $1,398 | $68 | $1,330 | $9,548 | 13.500% | 13.500% | $2,266 | $194 | $2,072 | $15,147 |
| 354 | 4.500% | 0.000% | $1,020 | $26 | $994 | $6,038 | 7.500% | 3.000% | $1,398 | $60 | $1,339 | $8,209 | 13.500% | 13.500% | $2,266 | $170 | $2,095 | $13,052 |
| 355 | 4.500% | 0.000% | $1,020 | $23 | $998 | $5,040 | 7.500% | 3.000% | $1,398 | $51 | $1,347 | $6,862 | 13.500% | 13.500% | $2,266 | $147 | $2,119 | $10,933 |
| 356 | 4.500% | 0.000% | $1,020 | $19 | $1,002 | $4,038 | 7.500% | 3.000% | $1,398 | $43 | $1,356 | $5,506 | 13.500% | 13.500% | $2,266 | $123 | $2,143 | $8,790 |
| 357 | 4.500% | 0.000% | $1,020 | $15 | $1,005 | $3,033 | 7.500% | 3.000% | $1,398 | $34 | $1,364 | $4,142 | 13.500% | 13.500% | $2,266 | $99 | $2,167 | $6,624 |
| 358 | 4.500% | 0.000% | $1,020 | $11 | $1,009 | $2,024 | 7.500% | 3.000% | $1,398 | $26 | $1,373 | $2,770 | 13.500% | 13.500% | $2,266 | $75 | $2,191 | $4,433 |
| 359 | 4.500% | 0.000% | $1,020 | $8 | $1,013 | $1,011 | 7.500% | 3.000% | $1,398 | $17 | $1,381 | $1,389 | 13.500% | 13.500% | $2,266 | $50 | $2,216 | $2,217 |
| 360 | 4.500% | 0.000% | $1,015 | $4 | $1,011 | $0 | 7.500% | 3.000% | $1,397 | $9 | $1,389 | $0 | 13.500% | 13.500% | $2,242 | $25 | $2,217 | $0 |
| Year 30 | $12,240 | $293 | $11,947 | $16,780 | $662 | $16,118 | $27,163 | $1,885 | $25,278 | |||||||||
| Grand Total | $371,909 | $171,909 | $200,000 | $503,434 | $303,434 | $200,000 | $796,271 | $596,271 | $200,000 |
The Basics
- The Floor Rate Matters
- Margin Makes a Difference
- Payment Shock
- Interest Rate Caps are Important
- Compare Future Interest Rate Scenarios
Common Loan Types
Other Examples
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 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.