Fontenot MortgageOdette Fontenot · Mortgage broker
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The loans

The maths

Odette

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Owning

Where does each payment go?

The first years of a mortgage are almost entirely interest, and almost nobody is shown that plainly. Here is every payment, in both views, with the running total beside it.

Illustrative only. Every figure is computed in your browser from what you type. Nothing here is a quote, an offer of credit, an APR or a rate lock, and no result is stored or sent anywhere.

The loan

7.25%

Applied straight to principal. The dedicated version of this question is here.

Monthly principal & interest

$0

Total interest
$0
Total paid
$0
Interest as a share
0%
Paid off in
—

Balance, and what you have paid

Balance owedInterest paid to datePrincipal paid to date

The schedule

Amortisation schedule

Long tables scroll inside this box rather than pushing the page sideways. The year view is the same schedule collapsed into loan years, with the closing balance for each.

The thing this table is for

Ask Odette

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—The other seven

The next step

Numbers are a start. A file is a conversation.

If the calculator says something you did not expect, that is usually worth ten minutes on the phone rather than another hour of typing.

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