Open the Fixed Rate Table worksheet. You will analyze different fixed rate mortgage loans using this worksheet. A fixed rate mortgage loan has the same interest rate (and the same monthly payment) for the duration of the mortgage loan.

The worksheet contains 4 sections (sets of columns). The first section describes the terms of the mortgage loan. The second section contains the amortization table that gives the beginning balance of the mortgage loan, the interest, the payments, and ending balance of the mortgage loan for each month. The third section shows the breakdown of each payment. The fourth section shows the cumulative payment for the mortgage loan.

Year 25 Amount of Loan Annual Interest Rate Number of Payments $0.00 5.000% 72 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 289 290 291 292 293 294 295 296 297 298 299 300 Beginning Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Loan Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Ending Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Payment Principal Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payments $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 Year 26 Amount of Loan Annual Interest Rate Number of Payments $0.00 5.000% 60 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 301 302 303 304 305 306 307 308 309 310 311 312 Beginning Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Loan Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Additional ayment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Ending Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Payment Principal Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payments $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 Year 27 Amount of Loan Annual Interest Rate Number of Payments $0.00 5.000% 48 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 313 314 315 316 317 318 319 320 321 322 323 324 Beginning Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Loan Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Ending Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Payment Principal Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payments $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 Year 1 Amount of Loan Annual Interest Rate Number of Payments $250,000.00 5.000% 360 $1,342.07 Minimum Monthly Payment Additional Monthly Payment Total Monthly Payment Month 1 2 3 4 5 6 7 8 9 10 11 12 Beginning Loan Balance Interest $250,000.00 $1,041.67 $249,699.60 $1,040.42 $249,397.95 $1,039.16 $249,095.04 $1,037.90 $248,790.87 $1,036.63 $248,485.43 $1.035.36 $248,178.72 $1,034.08 $247.870.73 $1,032.79 $247,561.45 $1.031.51 $247,250.89 $1,030.21 $246,939.03 $1,028.91 $246,625.87 $1,027.61 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $249,699.60 $249,397.95 $249,095.04 $248,790.87 $248,485.43 $248,178.72 $247,870.73 $247,561.45 $247,250.89 $246,939.03 $246,625.87 $246,311.41 Payment Principal Interest $300.40 $1,041.67 $301.65 $1.040.42 $302.91 $1.039.16 $304.17 $1,037.90 $305.44 $1,036.63 $306.71 $1,035.36 $307.99 $1,034.08 $309.28 $1,032.79 $310.56 $1,031.51 $311.86 $1,030.21 $313.16 $1,028.91 $314.46 $1,027.61 Total Payments $1,342.07 $2,684.14 $4,026.21 $5,368.28 $6,710.35 $8,052.42 $9,394.49 $10,736.56 $12,078.63 $13,420.70 $14,762.77 $16,104.84 $1,342.07 Year 2 Loan Balance Annual Interest Rate Number of Payments $246,311.41 5.000% 348 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 13 14 15 16 17 18 19 20 21 22 23 Beginning Loan Balance Interest $246,311.41 $1,026.30 $245,995.64 $1,024.98 $245,678.55 $1,023.66 $245,360.14 $1,022.33 $245,040.40 $1,021.00 $244,719.33 $1.019.66 $244,396.92 $1,018.32 $244,073.17 $1,016.97 $243,748.07 $1,015.62 $243,421.62 $1,014.26 $243,093.81 $1,012.89 $242,764.63 $1.011.52 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Ending Payment Balance $1,342.07 $245,995.64 $1,342.07 $245,678.55 $1,342.07 $245,360.14 $1,342.07 $245,040.40 $1,342.07 $244,719.33 $1,342.07 $244,396.92 $1,342.07 $244.073.17 $1,342.07 $243,748.07 $1,342.07 $243,421.62 $1,342.07 $243,093.81 $1,342.07 $242,764.63 $1,342.07 $242,434.08 Payment Principal Interest $315.77 $1,026.30 $317.09 $1,024.98 $318.41 $1,023.66 $319.74 $1,022.33 $321.07 $1,021.00 $322.41 $1,019.66 $323.75 $1,018.32 $325.10 $1,016.97 $326.45 $1,015.62 $327.81 $1,014.26 $329.18 $1,012.89 $330.55 $1.011.52 Total Payments $17.446.91 $18,788.98 $20,131.05 $21,473.12 $22,815.19 $24,157.26 $25,499.33 $26,841.40 $28,183.47 $29,525.54 $30,867.61 $32,209.68 24 Year 3 Amount of Loan Annual Interest Rate Number of Payments $242,434.08 5.000% 336 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 25 26 27 28 29 30 31 32 33 34 35 36 Beginning Loan Balance Interest $242,434.08 $1,010.14 $242,102.15| $1,008.76 $241,768.84 $1,007.37 $241,434.14 $1,005.98 $241,098.05 $1,004.56 $240,760.56 $1,003.17 $240,421.66 $1,001.76 $240,081.35 $1,000.34 $239,739.62 $998.92 $239,396.47 $997.49 $239,051.89 $996.05 $238,705.87 $994.61 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $242,102.15 $241,768.84 $241,434.14 $241,098.05 $240,760.56 $240,421.66 $240,081.35 $239,739.62 $239,396.47 $239,051.89 $238,705.87 $238,358.41 Payment Principal Interest $331.93 $1,010.14 $333.31 $1,008.76 $334.70 $1,007.37 $336.09 $1,005.98 $337.49 $1,004.58 $338.90 $1,003.17 $340.31 $1,001.76 $341.73 $1,000.34 $343.15 $998.92 $344.58 $997.49 $346.02 $996.05 $347.46 $994.61 Total Payments $33,551.75 $34,893.82 $36,235.89 $37.577.96 $38.920.03 $40,262.10 $41,604.17 $42.946.24 $44,288.31 $45,630.38 $46,972.45 $48,314.52 Year 4 Amount of Loan Annual Interest Rate Number of Payments $238,358.41 5.000% 324 TT Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.071 $0.00 $1,342.07 Month 37 38 39 40 41 42 43 44 45 46 47 48 Beginning Balance $238,358.41 $238,009.50 $237.659.14 $237,307.32 $236,954.03 $236,599.27 $236,243.03 $235,885.31 $235,526.10 $235,165.39 $234,803.18 $234,439.46 Loan Interest $993.16 $991.71 $990.25 $988.78 $987.31 $985.83 $984.35 $982.86 $981.36 $979.86 $978.35 $976.83 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $238,009.50 $237,659.14 $237,307.32 $236,954.03 $236,599.27 $236,243.03 $235,885.31 $235,526.10 $235,165.39 $234,803.18 $234,439.46 $234,074.22 Payment Principal Interest $348.91 $993.16 $350.36 $991.71 $351.82 $990.25 $353.29 $988.78 $354.76 $987.31 $356.24 $985.83 $357.72 $984.35 $359.21 $982.86 $360.71 $981.36 $362.21 $979.86 $363.72 $978.35 $365.24 $976.83 Total Payments $49,656.59 $50,998.66 $52,340.73 $53,682.80 $55,024.87 $56,366.94 $57,709.01 $59,051.08 $60,393.15 $61,735.22 $63,077.29 $64,419.36 Year 5 Amount of Loan Annual Interest Rate Number of Payments $234,074.22 5.000% 312 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 49 50 51 52 53 54 55 56 57 58 59 60 Beginning Balance $234,074.22 $233,707.46 $233,339.17 $232,969.35 $232,597.99 $232,225.08 $231,850.61 $231,474.58 $231,096.99 $230,717.82 $230,337.07 $229,954.74 Loan erest $975.31 $973.78 $972.25 $970.71 $969.16 $967.60 $966.04 $964.48 $962.90 $961.32 $959.74 $958.14 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $233,707.46 $233,339.171 $232,969.35 $232,597.99 $232,225.08 $231,850.61 $231,474.58 $231,096.99 $230,717.82 $230,337.07 $229,954.741 $229,570.81 Payment Principal Interes $366.76 $975.31 $368.29 $973.78 $369.82 $972.25 $371.36 $970.71 $372.91 $969.16 $374.47 $967.60 $376.03 $966.04 $377.59 $964.48 $379.17 $962.90 $380.75 $961.32 $382.33 $959.74 $383.93 $958.14 Total Payments $65,761.43 $67,103.50 $68,445.57 $69,787.64 $71,129.71 $72,471.78 $73,813.85 $75,155.92 $76,497.99 $77,840.06 $79,182.13 $80,524.20 Year 6 Amount of Loan Annual Interest Rate Number of Payments $229,570.811 5.000% 300 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 61 62 63 64 65 66 67 68 69 70 71 72 Beginning Balance $229,570.81 $179,185.29 $178,589.83 $177,991.88 $177,391.44 $176,788.50 $176,183.05 $175,575.08 $174.964.57 $174,351.52 $173,735.91 $173,117.74 Loan Additional Total Interest Payment Payment $956.55 $50,000.00 $51,342.07 $746.61 $0.00 $1,342.07 $744.12 $0.00 $1,342.07 $741.63 $0.00 $1,342.07 $739.13 $0.00 $1,342.07 $736.62 $0.00 $1,342.07 $734.10 $0.00 $1,342.07 $731.56 $0.00 $1,342.07 $729.02 $0.00 $1,342.07 $726.46 $0.00 $1,342.07 $723.90 $0.00 $1,342.07 $721.32 $0.00 $1,342.07 Ending Balance $179,185.29 $178,589.83 $177,991.88 $177,391.44 $176,788.50 $176,183.05 $175,575.08 $174,964.57 $174,351.52 $173,735.91 $173,117.74 $172,496.99 Payment Principal Interest $50,385.52 $956.55 $595.46 $746.61 $597.95 $744.12 $600.44 $741.63 $602.94 $739.13 $605.45 $736.62 $607.97 $734.10 $610.51 $731.56 $613.05 $729.02 $615.61 $726.46 $618.17 $723.90 $620.75 $721.32 Total Payments $131,866.27 $133,208.34 $134,550.41 $135,892.48 $137,234.55 $138,576.62 $139,918.69 $141,260.76 $142,602.83 $ 143,944.90 $145,286.97 $146,629.04 Year 7 Amount of Loan Annual Interest Rate Number of Payments $172,496.99 5.000% 288 Month 73 74 75 76 77 78 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Beginning Balance $172,496.99 $171,873.66 $171,247.73 $170,619.19 $169,988.03 $169,354.24 $168.717.81 $168,078.73 $167,436.99 $166,792.57 $166,145.47 $165,495.67 Loan Interest $718.74 $716.14 $713.53 $710.91 $708.28 $705.64 $702.99 $700.33 $697.65 $694.97 $692.27 $689.57 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $171,873.66 $171,247.73 $170,619.19 $169,988.03 $169,354.24 $168,717.81 $168.078.73 $167.436.99 $ 166,792.57 $166,145.47 $165,495.67 $164,843.17 Payment Principal Interest $623.33 $718.74 $625.93 $716.14 $628.54 $713.53 $631.16 $710.91 $633.79 $708.28 $636.43 $705.64 $639.08 $702.99 $641.74 $700.33 $644.42 $697.65 $647.10 $694.97 $649.80 $692.27 $652.50 $689.57 Total Payments $147,971.11 $149,313.18 $150,655.25 $ 151,997.32 $153,339.39 $154,681.46 $156,023.53 $157,365.60 $ 158,707.67 $160,049.74 $ 161,391.81 $ 162.733.88 79 80 81 82 83 84 Year 8 Amount of Loan Annual Interest Rate Number of Payments $164,843.17 5.000% 276 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 85 36 87 88 89 90 91 92 93 94 95 96 Beginning Balance $164,843.17 $164,187.95 $ 163,530.00 $ 162,869.30 $162,205.85 $161,539.64 $160,870.65 $160,198.87 $159,524.30 $ 158,846.91 $158,166.70 $157,483.66 Loan Interest $686.85 $684.12 $681.37 $678.62 $675.86 $673.08 $670.29 $667.50 $664.68 $661.86 $659.03 $656.18 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $164,187.95 $ 163,530.00 $ 162,869.30 $162,205.85 $161,539.64 $160,870.65 $160,198.87 $159,524.30 $ 158,846.91 $ 158,166.70 $157,483.66 $156,797.77 Payment Principal Interest $655.22 $686.85 $657.95 $684.12 $660.70 $681.37 $663.45 $678.62 $666.21 $675.86 $668.99 $673.08 $671.78 $670.29 $674.57 $667.50 $677.39 $664.68 $680.21 $661.86 $683.04 $659.03 $685.89 $656.18 Total Payments $164,075.95 $165,418.02 $166,760.09 $168,102.16 $169,444.23 $170,786.30 $172,128.37 $173,470.44 $174,812.51 $176,154.58 $177,496.65 $178,838.72 Year 9 Amount of Loan Annual Interest Rate Number of Payments $156,797.77 5.000% 264 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 97 98 99 100 101 102 103 104 105 106 107 108 Beginning Balance $156,797.77 $156,109.02 $155,417.40 $154,722.90 $154,025.51 $153,325.21 $152,622.00 $ 151,915.85 $ 151,206.76 $150,494.72 $149,779.71 $149,061.72 Loan Interest $653.32 $650.45 $647.57 $644.68 $641.77 $638.86 $635.92 $632.98 $630.03 $627.06 $624.08 $621.09 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $156,109.02 $ 155,417.40 $154,722.90 $154,025.51 $153,325.21 $152,622.00 $ 151,915.85 $151,206.76 $150,494.72 $149,779.71 $149,061.721 $ 148,340.74 Payment Principal Interest $688.75 $653.32 $691.62 $650.45 $694.50 $647.57 $697.39 $644.68 $700.30 $641.77 $703.21 $638.86 $706.15 $635.92 $709.09 $632.98 $712.04 $630.03 $715.01 $627.06 $717.99 $624.08 $720.98 $621.09 Total Payments $180, 180.79 $ 181,522.86 $182,864.93 $184,207.00 $185,549.07 $186,891.14 $188,233.21 $189,575.28 $190,917.35 $ 192,259.42 $ 193,601.49 $194,943.56 Year 10 Amount of Loan Annual Interest Rate Number of Payments $ 148,340.74 5.000% 252 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 109 110 111 112 113 114 115 116 117 118 119 120 Beginning Balance $ 148,340.74 $147.616.76 $146,889.76 $146,159.73 $145,426.66 $144,690.53 $143,951.34 $143,209.07 $142,463.70 $141,715.23 $140.963.64 $140,208.92 Loan Interest $618.09 $615.07 $612.04 $609.00 $605.94 $602.88 $599.80 $596.70 $593.60 $590.48 $587.35 $584.20 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $147.616.76 $146,889.76 $146,159.73 $145,426.66 $144,690.53 $143,951.34 $143,209.07 $142,463.70 $141,715.23 $140.963.64 $140,208.92 $139,451.05 Payment Principal Interest $723.98 $618.09 $727.00 $615.07 $730.03 $612.04 $733.07 $609.00 $736.13 $605.94 $739.19 $602.88 $742.27 $599.80 $745.37 $596.70 $748.47 $593.60 $751.59 $590.48 $754.72 $587.35 $757.87 $584.20 Total Payments $196,285.63 $197.627.70 $198.969.77 $200,311.84 $201.653.91 $202.995.98 $204,338.05 $205,680.12 $207,022.19 $208,364.26 $209,706.33 $211,048.40 Year 11 Amount of Loan Annual Interest Rate Number of Payments $139,451.05 5.000% 240 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 121 122 123 124 125 126 127 128 129 130 131 132 Beginning Balance $139,451.05 $138,690.03 $137,925.84 $137,158.46 $136,387.88 $135,614.09 $134,837.08 $134,056.83 $133,273.33 $132,486.57 $131,696.53 $130,903.20 Loan Interest $581.05 $577.88 $574.69 $571.49 $568.28 $565.06 $561.82 $558.57 $555.31 $552.03 $548.741 $545.43 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Ending Payment Balance $1,342.07 $138,690.03 $1,342.07 $137.925.84 $1,342.07 $137,158.46 $1,342.07 $136,387.88 $1,342.07 $135,614.09 $1,342.07 $134,837.08 $1,342.07 $134,056.83 $1,342.07 $133,273.33 $1,342.07 $132,486.57 $1,342.07 $131,696.53 $1,342.07 $130.903.20 $1,342.07 $130,106.56 Payment Principal Interest $761.02 $581.05 $764.19 $577.88 $767.38 $574.69 $770.58 $571.49 $773.79 $568.28 $777.01 $565.06 $780.25 $561.82 $783.50 $558.57 $786.76 $555.31 $790.04 $552.03 $793.33 $548.74 $796.64 $545.43 Total Payment: $212,390.47 $213.732.54 $215,074.61 $216,416.68 $217,758.75 $219,100.82 $220,442.89 $221,784.96 $223,127.03 $224,469.10 $225,811.17 $227,153.24 Year 12 Amount of Loan Annual Interest Rate Number of Payments $130,106.56 5.000% 228 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 133 134 135 136 137 138 139 140 141 142 143 Beginning Balance $130,106.56 $129,306.60 $128,503.31 $127,696.67 $126,886.67 $126,073.29 $125,256.53 $124,436.36 $123,612.77 $122.785.75 $121,955.29 $121,121.37 Loan Interest $542.11 $538.78 $535.43 $532.07 $528.69 $525.31 $521.90 $518.48 $515.05 $511.61 $508.15 $504.67 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $129,306.60 $128,503.31 $127,696.67 $126,886.67 $126,073.29 $125,256.53 $124,436.36 $123,612.77 $122,785.75 $121,955.29 $121,121.37 $120,283.97 Payment Principal Interest $799.96 $542.11 $803.29 $538.78 $806.64 $535.43 $310.00 $532.07 $813.38 $528.69 $816.76 $525.31 $820.17 $521.90 $823.59 $518.48 $827.02 $515.05 $830.46 $511.61 $833.92 $508.151 $837.40 $504.67 Total Payments $228,495.31 $229,837.38 $231,179.45 $232,521.52 $233,863.59 $235,205.66 $236,547.73 $237,889.80 $239,231.87 $240,573.94 $241,916.01 $243,258.08 144 Year 13 Amount of Loan Annual Interest Rate Number of Payments $120,283.97 5.000% 216 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 145 146 147 148 149 150 151 152 153 154 155 156 Beginning Balance $120,283.97 $119.443.08 $118.598.69 $117.750.78 $116.899.34 $116,044.35 $115,185.80 $114,323.67 $113,457.95 $112,588.62 $111.715.67 $110.839.08 Loan Interest $501.18 $497.68 $494.16 $490.63 $487.08 $483.52 $479.94 $476.35 $472.74 $469.12 $465.48 $461.83 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Ending Payment Balance $1,342.07 $119.443.08 $1,342.07 $118,598.69 $1,342.07 $117.750.78 $1,342.07 $116.899.34 $1,342.07 $116,044.35 $1,342.07 $115,185.80 $1,342.07 $114,323.67 $1,342.07 $113,457.95 $1,342.07 $112,588.62 $1,342.07 $111.715.67 $1,342.07 $110,839.08 $1,342.07 $109.958.84 Payment Principal Interest $840.89 $501.18 $844.39 $497.68 $847.91 $494.16 $851.44 $490.63 $854.99 $487.08 $858.55 $483.52 $862.13 $479.94 $865.72 $476.35 $869.33 $472.74 $872.95 $469.12 $876.59 $465.48 $880.24 $461.83 Total Payments $244,600.15 $245,942.22 $247,284.29 $248,626.36 $249,968.43 $251,310.50 $252,652.57 $253,994.64 $255,336.71 $256,678.78 $258,020.85 $259,362.92 Year 14 Amount of Loan Annual Interest Rate Number of Payments $109,958.84 5.000% 204 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 157 158 159 160 161 162 163 164 165 166 167 168 Beginning Balance $109.958.84 $ 109,074.93 $108,187.34 $107,296.05 $106,401.05 $105,502.32 $104,599.84 $103,693.60 $102,783.59 $101,869.78 $100,952.17 $100,030.73 Loan Interest $458.16 $454.48 $450.78 $447.07 $443.34 $439.59 $435.83 $432.06 $428.26 $424.46 $420.63 $416.79 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Ending Payment Balance $1,342.07 $109,074.93 $1,342.07 $108,187.34 $1,342.07 $107,296.05 $1,342.07 $ 106,401.05 $1,342.07 $ 105,502.32 $1,342.07 $104,599.84 $1,342.07 $103,693.60 $1,342.07 $102,783.59 $1,342.07 $101,869.78 $1,342.07 $100,952.17 $1,342.07 $100,030.73 $1,342.07 $99,105.45 Payment Principal Interest $883.91 $458.16 $887.59 $454.48 $891.29 $450.78 $895.00 $447.07 $898.73 $443.34 $902.48 $439.59 $906.24 $435.83 $910.01 $432.06 $913.81 $428.26 $917.61 $424.46 $921.44 $420.63 $925.28 $416.79 Total Payments $260,704.99 $262,047.06 $263,389.13 $264,731.20 $266,073.27 $267,415.34 $268,757.41 $270,099.48 $271,441.55 $272,783.62 $274,125.69 $275,467.76 Year 15 Amount of Loan Annual Interest Rate Number of Payments $99,105.45 5.000% 192 Month 169 170 171 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 172 173 174 175 176 177 178 179 180 Beginning Loan Balance Interest $99,105.45 $412.94 $98,176.32 $409.07 $97,243.32 $405.18 $96,306.43 $401.28 $95,365.64 $397.36 $94,420.93 $393.42 $93,472.28 $389.47 $92,519.68 $385.50 $91,563.11 $381.51 $90,602.55 $377.51 $89,637.99 $373.49 S88,669.41 $369.46 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $98,176.32 $97,243.32 $96,306.43 $95,365.64 $94,420.93 $93,472.28 $92,519.68 $91,563.11 $90,602.551 $89,637.99 $88,669.41 $87,696.80 Payment Principal Interest $929.13 $412.94 $933.00 $409.07 $936.89 $405.18 $940.79 $401.28 $944.71 $397.36 $948.65 $393.42 $952.60 $389.47 $956.57 $385.50 $960.56 $381.51 $964.56 $377.51 $968.58 $373.49 $972.61 $369.46 Total Payments $276,809.83 $278,151.90 $279,493.97 $280,836.04 $282,178.11 $283,520.18 $284,862.25 $286,204.32 $287,546.39 $288,888.46 $290,230.53 $291,572.60 Year 16 Amount of Loan Annual Interest Rate Number of Payments $87,696.80 5.000% 180 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 181 182 183 184 185 186 187 188 189 190 191 192 Beginning Balance $87.696.80 $86,720.13 $85,739.39 $84,754.57 $83,765.64 $82,772.59 $81,775.41 $80.774.07 $79,768.56 $78,758.86 $77,744.95 $76,726.82 Loan Interest $365.40 $361.33 $357.25 $353.14 $349.02 $344.89 $340.73 $336.56 $332.37 $328.16 $323.94 $319.70 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $86,720.13 $85,739.39 $84,754.57 $83,765.64 $82,772.59 $81,775.41 $80.774.07 $79,768.56 $78,758.86 $77.744.95 $76,726.821 $75,704.45 Payment Principal Interest $976.67 $365.40 $980.74 $361.33 $984.82 $357.25 $988.93 $353.141 $993.05 $349.02 $997.18 $344.89 $1,001.34 $340.73 $1,005.51 $336.56 $1,009.70 $332.37 $1,013.91 $328.16 $1.018.13 $323.94 $1,022.37 $319.70 Total Payments $292,914.67 $294,256.74 $295,598.81 $296,940.88 $298,282.95 $299,625.02 $300,967.09 $302,309.16 $303,651.23 $304,993.30 $306,335.37 $307,677.44 Year 17 Month 193 Amount of Loan Annual Interest Rate Number of Payments $75,704.45 5.000% 168 194 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 195 196 197 198 199 200 201 202 203 204 Beginning Balance $75,704.45 $74,677.82 $73,646.91 $72,611.70 $71,572.18 $70,528.33 $69,480.13 $68,427.56 $67,370.60 $66,309.24 $65,243.46 $64,173.24 Loan Interest $315.44 $311.16 $306.86 $302.55 $298.22 $293.87 $289.50 $285.11 $280.71 $276.29 $271.85 $267.39 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $74,677.82 $73,646.91 $72,611.70 $71,572.18 $70,528.33 $69,480.13 $68,427.56 $67,370.60 $66,309.24 $65,243.46 $64,173.24 $63,098.56 Payment Principal Interest $1,026.63 $315.44 $1,030.91 $311.16 $1.035.21 $306.86 $1.039.52 $302.55 $1,043.85 $298.22 $1,048.20 $293.87 $1.052.57 $289.50 $1,056.96 $285.11 $1,061.36 $280.71 $1,065.78 $276.29 $1,070.22 $271.85 $1.074.68 $267.39 Total Pays nts $309,019.51 $310,361.58 $311,703.65 $313,045.72 $314,387.79 $315,729.86 $317.071.93 $318,4 14.00 $319,756.07 $321,098.14 $322,440.21 $323.782.28 Year 18 Amount of Loan Annual Interest Rate Number of Payments $63,098.56 5.000% 156 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 205 206 207 208 209 210 211 212 213 214 215 216 Beginning Balance $63,098.56 $62,019.40 $60,935.74 $59,847.57 $58,754.86 $57,657.60 $56,555.77 $55,449.35 $54,338.32 $53,222.66 $52,102.35 $50,977.37 Loan Interest $262.91 $258.41 $253.90 $249.36 $244.81 $240.24 $235.65 $231.04 $226.41 $221.76 $217.09 $212.41 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $62,019.40 $60,935.74 $59,847.57 $58,754.86 $57,657.60 $56,555.77 $55,449.35 $54,338.32 $53,222.661 $52,102.35 $50,977.37 $49,847.71 Payment Principal Interest $1,079.16 $262.91 $1,083.66 $258.41 $1,088.17 $253.90 $1,092.71 $249.36 $1,09726 $244.81 $1,101.83 $240.24 $1,106.42 $235.65 $1,111.03 $231.04 $1,115.66 $226.41 $1,120.31 $221.76 $1,124.98 $217.09 $1,129.66 $212.41 Total Payments $325,124.35 $326,466.42 $327,808.49 $329,150.56 $330,492.63 $331,834.70 $333,176.77 $334,518.84 $335,860.91 $337,202.98 $338,545.05 $339,887.12 Year 19 Amount of Loan Annual Interest Rate Number of Payments $49,847.71 5.000% 144 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 217 218 219 220 221 222 223 224 225 226 227 228 Beginning Balance $49,847.71 $48,713.34 $47,574.24 $46,430.40 $45,281.79 $44,128.39 $42.970.19 $41,807.16 $40,639.29 $39,466.55 $38,288.92 $37,106.39 Loan Interest $207.70 $202.97 $198.23 $193.46 $188.67 $183.87 $179.04 $174.20 $169.33 $164.44 $159.54 $154.61 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $48,713.34 $47,574.24 $46,430.40 $45,281.79 $44,128.39 $42.970.19 $41,807.16 $40,639.29 $39,466.55 $38,288.92 $37,106.39 $35,918.93 Payment Principal Interest $1,134.37 $207.70 $1,139.10 $202.97 $1,143.84 $198.23 $1,148.61 $193.46 $1,153.40 $188.67 $1,158.20 $183.87 $1,163.03 $179.04 $1,167.87 $174.20 $1,172.74 $169.33 $1,177.63 $164.44 $1,182.53 $159.54 $1,187.46 $154.61 Total Payments $341,229.19 $342,571.26 $343,913.33 $345,255.40 $346,597.47 $347.939.54 $349,281.61 $350,623.68 $351,965.75 $353,307.82 S354,649.89 $355,991.96 Year 20 Amount of Loan Annual Interest Rate Number of Payments $35,918.93 5.000% 132 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 229 230 231 232 233 234 235 236 237 238 239 240 Beginning Balance $35,918.93 $34,726.52 $33,529.14 $32,326.77 $31,119.39 $29.906.98 $28,689.52 $27.466.99 $26,239.37 $25,006.63 $23,768.75 $22,525.721 Loan Interest $149.66 $144.69 $139.70 $134.69 $129.66 $124.61 $119.54 $114.45 $109.33 $104.19 $99.04 $93.86) Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $34,726.52 $33,529.14 $32,326.77 $31,119.39 $29.906.98 $28,689.52 $27.466.99 $26,239.37 $25,006.63 $23,768.75 $22,525.72 $21,277.51 Payment Principal Interest $1,192.41 $149.66 $1,197.38 $144.69 $1,202.37 $139.70 $1,207.38 $134.69 $1,212.41 $129.66 $1,217.46 $124.61 $1,222.53 $119.54 $1,227.62 $114.45 $1,232.74 $109.33 $1,237.88 $104.19 $1,243.03 $99.04 $1,248.21 $93.86 Total Payments $357,334.03 $358,676.10 $360,018.17 $361,360.24 $362,702.31 $364,044.38 $365,386.45 $366,728.52 $368,070.59 $369,412.66 $370,754.73 $372,096.80 Year 21 Amount of Loan Annual Interest Rate Number of Payments $21,277.51 5.000% 120 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 241 242 243 244 245 246 247 248 249 250 251 252 Beginning Balance $21,277.51 $20,024.10 $18,765.46 $17,501.58 $16.232.43 $14.958.00 $13,678.25 $12,393.17 $11,102.74 $9,806.93 $8,505.72 $7,199.09 Loan Interest SB3.66 $83.43 $78.19 $72.92 $67.64 $62.32 $56.99 $51.64 $46.26 $40.86 $35.44 $30.00 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $20,024.10 $18,765.46 $17.501.58 $16,232.43 $14.958.00 $13,678.251 $12,393.17 $11,102.74 $9,806.93 $8,505.72 $7,199.09 $5,887.02 Payment Principal Interest $1,253.41 $88.661 $1,258.64 $83.43 $1,263.88 $78.19 $1,269.15 $72.92 $1,274.43 $67.641 $1,279.75 $62.32) $1,285.08 $56.99 $1,290.43 $51.64 $1,295.81 $46.26 $1,301.21 $40.86 $1,306.63 $35.44 $1,312.07 $30.00 Total Payments $373,438.87 $374,780.94 $376,123.01 $377,465.08 $378,807.15 $380,149.22 $381,491.29 $382,833.36 $384,175.43 $385,517.50 $386,859.57 $388,201.64 Year 28 Amount of Loan Annual Interest Rate Number of Payments $0.00 5.000% 36 Month 325 326 327 328 329 330 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Beginning Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Loan Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Ending Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Payment Principal Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payments $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 331 332 333 334 335 336 Year 29 Amount of Loan Annual Interest Rate Number of Payments $0.00 5.000% 24 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 337 338 339 340 341 342 343 344 345 346 347 348 Beginning Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Loan Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Ending Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Payment Principal Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payments $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 Year 30 Amount of Loan Annual Interest Rate Number of Payments $0.00 5.000% 12 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 349 350 351 352 353 354 355 356 357 358 359 360 Beginning Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Loan Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Ending Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Payment Principal Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payments $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 Year 22 Amount of Loan Annual Interest Rate Number of Payments $5,887.02 5.000% 108 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 253 254 255 256 257 258 259 260 261 262 263 264 Beginning Balance $5,887.02 $4,569.48 $3,246.45 $1,917.91 $583.83 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Loan Interest $24.53 $19.04 $13.53 $7.99 $2.43 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $586.26 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Ending Balance $4,569.48 $3,246.45 $1,917.91 $583.83 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Payment Principal Interest $1,317.54 $24.53 $1,323.03 $19.04 $1,328.54 $13.53 $1,334.08 $7.99 $583.83 $2.43 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payments $389,543.71 $390,885.78 $392,227.85 $393,569.92 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 Year 23 Amount of Loan Annual Interest Rate Number of Payments $0.00 5.000% 96 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 th 265 266 267 268 269 270 271 272 273 274 275 276 Beginning Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Loan Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Ending ince $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Payment Principal Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payments $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 Year 24 Amount of Loan Annual Interest Rate Number of Payments $0.00 5.000% 84 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 277 278 279 280 281 282 283 284 285 286 287 288 Beginning Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Loan Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Ending Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Payment Principal Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payments $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 Year 25 Amount of Loan Annual Interest Rate Number of Payments $0.00 5.000% 72 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 289 290 291 292 293 294 295 296 297 298 299 300 Beginning Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Loan Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Ending Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Payment Principal Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payments $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 Year 26 Amount of Loan Annual Interest Rate Number of Payments $0.00 5.000% 60 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 301 302 303 304 305 306 307 308 309 310 311 312 Beginning Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Loan Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Additional ayment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Ending Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Payment Principal Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payments $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 Year 27 Amount of Loan Annual Interest Rate Number of Payments $0.00 5.000% 48 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 313 314 315 316 317 318 319 320 321 322 323 324 Beginning Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Loan Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Ending Balance $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Payment Principal Interest $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payments $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 $394,156.18 Year 1 Amount of Loan Annual Interest Rate Number of Payments $250,000.00 5.000% 360 $1,342.07 Minimum Monthly Payment Additional Monthly Payment Total Monthly Payment Month 1 2 3 4 5 6 7 8 9 10 11 12 Beginning Loan Balance Interest $250,000.00 $1,041.67 $249,699.60 $1,040.42 $249,397.95 $1,039.16 $249,095.04 $1,037.90 $248,790.87 $1,036.63 $248,485.43 $1.035.36 $248,178.72 $1,034.08 $247.870.73 $1,032.79 $247,561.45 $1.031.51 $247,250.89 $1,030.21 $246,939.03 $1,028.91 $246,625.87 $1,027.61 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $249,699.60 $249,397.95 $249,095.04 $248,790.87 $248,485.43 $248,178.72 $247,870.73 $247,561.45 $247,250.89 $246,939.03 $246,625.87 $246,311.41 Payment Principal Interest $300.40 $1,041.67 $301.65 $1.040.42 $302.91 $1.039.16 $304.17 $1,037.90 $305.44 $1,036.63 $306.71 $1,035.36 $307.99 $1,034.08 $309.28 $1,032.79 $310.56 $1,031.51 $311.86 $1,030.21 $313.16 $1,028.91 $314.46 $1,027.61 Total Payments $1,342.07 $2,684.14 $4,026.21 $5,368.28 $6,710.35 $8,052.42 $9,394.49 $10,736.56 $12,078.63 $13,420.70 $14,762.77 $16,104.84 $1,342.07 Year 2 Loan Balance Annual Interest Rate Number of Payments $246,311.41 5.000% 348 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 13 14 15 16 17 18 19 20 21 22 23 Beginning Loan Balance Interest $246,311.41 $1,026.30 $245,995.64 $1,024.98 $245,678.55 $1,023.66 $245,360.14 $1,022.33 $245,040.40 $1,021.00 $244,719.33 $1.019.66 $244,396.92 $1,018.32 $244,073.17 $1,016.97 $243,748.07 $1,015.62 $243,421.62 $1,014.26 $243,093.81 $1,012.89 $242,764.63 $1.011.52 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Ending Payment Balance $1,342.07 $245,995.64 $1,342.07 $245,678.55 $1,342.07 $245,360.14 $1,342.07 $245,040.40 $1,342.07 $244,719.33 $1,342.07 $244,396.92 $1,342.07 $244.073.17 $1,342.07 $243,748.07 $1,342.07 $243,421.62 $1,342.07 $243,093.81 $1,342.07 $242,764.63 $1,342.07 $242,434.08 Payment Principal Interest $315.77 $1,026.30 $317.09 $1,024.98 $318.41 $1,023.66 $319.74 $1,022.33 $321.07 $1,021.00 $322.41 $1,019.66 $323.75 $1,018.32 $325.10 $1,016.97 $326.45 $1,015.62 $327.81 $1,014.26 $329.18 $1,012.89 $330.55 $1.011.52 Total Payments $17.446.91 $18,788.98 $20,131.05 $21,473.12 $22,815.19 $24,157.26 $25,499.33 $26,841.40 $28,183.47 $29,525.54 $30,867.61 $32,209.68 24 Year 3 Amount of Loan Annual Interest Rate Number of Payments $242,434.08 5.000% 336 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 25 26 27 28 29 30 31 32 33 34 35 36 Beginning Loan Balance Interest $242,434.08 $1,010.14 $242,102.15| $1,008.76 $241,768.84 $1,007.37 $241,434.14 $1,005.98 $241,098.05 $1,004.56 $240,760.56 $1,003.17 $240,421.66 $1,001.76 $240,081.35 $1,000.34 $239,739.62 $998.92 $239,396.47 $997.49 $239,051.89 $996.05 $238,705.87 $994.61 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $242,102.15 $241,768.84 $241,434.14 $241,098.05 $240,760.56 $240,421.66 $240,081.35 $239,739.62 $239,396.47 $239,051.89 $238,705.87 $238,358.41 Payment Principal Interest $331.93 $1,010.14 $333.31 $1,008.76 $334.70 $1,007.37 $336.09 $1,005.98 $337.49 $1,004.58 $338.90 $1,003.17 $340.31 $1,001.76 $341.73 $1,000.34 $343.15 $998.92 $344.58 $997.49 $346.02 $996.05 $347.46 $994.61 Total Payments $33,551.75 $34,893.82 $36,235.89 $37.577.96 $38.920.03 $40,262.10 $41,604.17 $42.946.24 $44,288.31 $45,630.38 $46,972.45 $48,314.52 Year 4 Amount of Loan Annual Interest Rate Number of Payments $238,358.41 5.000% 324 TT Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.071 $0.00 $1,342.07 Month 37 38 39 40 41 42 43 44 45 46 47 48 Beginning Balance $238,358.41 $238,009.50 $237.659.14 $237,307.32 $236,954.03 $236,599.27 $236,243.03 $235,885.31 $235,526.10 $235,165.39 $234,803.18 $234,439.46 Loan Interest $993.16 $991.71 $990.25 $988.78 $987.31 $985.83 $984.35 $982.86 $981.36 $979.86 $978.35 $976.83 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $238,009.50 $237,659.14 $237,307.32 $236,954.03 $236,599.27 $236,243.03 $235,885.31 $235,526.10 $235,165.39 $234,803.18 $234,439.46 $234,074.22 Payment Principal Interest $348.91 $993.16 $350.36 $991.71 $351.82 $990.25 $353.29 $988.78 $354.76 $987.31 $356.24 $985.83 $357.72 $984.35 $359.21 $982.86 $360.71 $981.36 $362.21 $979.86 $363.72 $978.35 $365.24 $976.83 Total Payments $49,656.59 $50,998.66 $52,340.73 $53,682.80 $55,024.87 $56,366.94 $57,709.01 $59,051.08 $60,393.15 $61,735.22 $63,077.29 $64,419.36 Year 5 Amount of Loan Annual Interest Rate Number of Payments $234,074.22 5.000% 312 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 49 50 51 52 53 54 55 56 57 58 59 60 Beginning Balance $234,074.22 $233,707.46 $233,339.17 $232,969.35 $232,597.99 $232,225.08 $231,850.61 $231,474.58 $231,096.99 $230,717.82 $230,337.07 $229,954.74 Loan erest $975.31 $973.78 $972.25 $970.71 $969.16 $967.60 $966.04 $964.48 $962.90 $961.32 $959.74 $958.14 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $233,707.46 $233,339.171 $232,969.35 $232,597.99 $232,225.08 $231,850.61 $231,474.58 $231,096.99 $230,717.82 $230,337.07 $229,954.741 $229,570.81 Payment Principal Interes $366.76 $975.31 $368.29 $973.78 $369.82 $972.25 $371.36 $970.71 $372.91 $969.16 $374.47 $967.60 $376.03 $966.04 $377.59 $964.48 $379.17 $962.90 $380.75 $961.32 $382.33 $959.74 $383.93 $958.14 Total Payments $65,761.43 $67,103.50 $68,445.57 $69,787.64 $71,129.71 $72,471.78 $73,813.85 $75,155.92 $76,497.99 $77,840.06 $79,182.13 $80,524.20 Year 6 Amount of Loan Annual Interest Rate Number of Payments $229,570.811 5.000% 300 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 61 62 63 64 65 66 67 68 69 70 71 72 Beginning Balance $229,570.81 $179,185.29 $178,589.83 $177,991.88 $177,391.44 $176,788.50 $176,183.05 $175,575.08 $174.964.57 $174,351.52 $173,735.91 $173,117.74 Loan Additional Total Interest Payment Payment $956.55 $50,000.00 $51,342.07 $746.61 $0.00 $1,342.07 $744.12 $0.00 $1,342.07 $741.63 $0.00 $1,342.07 $739.13 $0.00 $1,342.07 $736.62 $0.00 $1,342.07 $734.10 $0.00 $1,342.07 $731.56 $0.00 $1,342.07 $729.02 $0.00 $1,342.07 $726.46 $0.00 $1,342.07 $723.90 $0.00 $1,342.07 $721.32 $0.00 $1,342.07 Ending Balance $179,185.29 $178,589.83 $177,991.88 $177,391.44 $176,788.50 $176,183.05 $175,575.08 $174,964.57 $174,351.52 $173,735.91 $173,117.74 $172,496.99 Payment Principal Interest $50,385.52 $956.55 $595.46 $746.61 $597.95 $744.12 $600.44 $741.63 $602.94 $739.13 $605.45 $736.62 $607.97 $734.10 $610.51 $731.56 $613.05 $729.02 $615.61 $726.46 $618.17 $723.90 $620.75 $721.32 Total Payments $131,866.27 $133,208.34 $134,550.41 $135,892.48 $137,234.55 $138,576.62 $139,918.69 $141,260.76 $142,602.83 $ 143,944.90 $145,286.97 $146,629.04 Year 7 Amount of Loan Annual Interest Rate Number of Payments $172,496.99 5.000% 288 Month 73 74 75 76 77 78 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Beginning Balance $172,496.99 $171,873.66 $171,247.73 $170,619.19 $169,988.03 $169,354.24 $168.717.81 $168,078.73 $167,436.99 $166,792.57 $166,145.47 $165,495.67 Loan Interest $718.74 $716.14 $713.53 $710.91 $708.28 $705.64 $702.99 $700.33 $697.65 $694.97 $692.27 $689.57 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $171,873.66 $171,247.73 $170,619.19 $169,988.03 $169,354.24 $168,717.81 $168.078.73 $167.436.99 $ 166,792.57 $166,145.47 $165,495.67 $164,843.17 Payment Principal Interest $623.33 $718.74 $625.93 $716.14 $628.54 $713.53 $631.16 $710.91 $633.79 $708.28 $636.43 $705.64 $639.08 $702.99 $641.74 $700.33 $644.42 $697.65 $647.10 $694.97 $649.80 $692.27 $652.50 $689.57 Total Payments $147,971.11 $149,313.18 $150,655.25 $ 151,997.32 $153,339.39 $154,681.46 $156,023.53 $157,365.60 $ 158,707.67 $160,049.74 $ 161,391.81 $ 162.733.88 79 80 81 82 83 84 Year 8 Amount of Loan Annual Interest Rate Number of Payments $164,843.17 5.000% 276 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 85 36 87 88 89 90 91 92 93 94 95 96 Beginning Balance $164,843.17 $164,187.95 $ 163,530.00 $ 162,869.30 $162,205.85 $161,539.64 $160,870.65 $160,198.87 $159,524.30 $ 158,846.91 $158,166.70 $157,483.66 Loan Interest $686.85 $684.12 $681.37 $678.62 $675.86 $673.08 $670.29 $667.50 $664.68 $661.86 $659.03 $656.18 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $164,187.95 $ 163,530.00 $ 162,869.30 $162,205.85 $161,539.64 $160,870.65 $160,198.87 $159,524.30 $ 158,846.91 $ 158,166.70 $157,483.66 $156,797.77 Payment Principal Interest $655.22 $686.85 $657.95 $684.12 $660.70 $681.37 $663.45 $678.62 $666.21 $675.86 $668.99 $673.08 $671.78 $670.29 $674.57 $667.50 $677.39 $664.68 $680.21 $661.86 $683.04 $659.03 $685.89 $656.18 Total Payments $164,075.95 $165,418.02 $166,760.09 $168,102.16 $169,444.23 $170,786.30 $172,128.37 $173,470.44 $174,812.51 $176,154.58 $177,496.65 $178,838.72 Year 9 Amount of Loan Annual Interest Rate Number of Payments $156,797.77 5.000% 264 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 97 98 99 100 101 102 103 104 105 106 107 108 Beginning Balance $156,797.77 $156,109.02 $155,417.40 $154,722.90 $154,025.51 $153,325.21 $152,622.00 $ 151,915.85 $ 151,206.76 $150,494.72 $149,779.71 $149,061.72 Loan Interest $653.32 $650.45 $647.57 $644.68 $641.77 $638.86 $635.92 $632.98 $630.03 $627.06 $624.08 $621.09 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $156,109.02 $ 155,417.40 $154,722.90 $154,025.51 $153,325.21 $152,622.00 $ 151,915.85 $151,206.76 $150,494.72 $149,779.71 $149,061.721 $ 148,340.74 Payment Principal Interest $688.75 $653.32 $691.62 $650.45 $694.50 $647.57 $697.39 $644.68 $700.30 $641.77 $703.21 $638.86 $706.15 $635.92 $709.09 $632.98 $712.04 $630.03 $715.01 $627.06 $717.99 $624.08 $720.98 $621.09 Total Payments $180, 180.79 $ 181,522.86 $182,864.93 $184,207.00 $185,549.07 $186,891.14 $188,233.21 $189,575.28 $190,917.35 $ 192,259.42 $ 193,601.49 $194,943.56 Year 10 Amount of Loan Annual Interest Rate Number of Payments $ 148,340.74 5.000% 252 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 109 110 111 112 113 114 115 116 117 118 119 120 Beginning Balance $ 148,340.74 $147.616.76 $146,889.76 $146,159.73 $145,426.66 $144,690.53 $143,951.34 $143,209.07 $142,463.70 $141,715.23 $140.963.64 $140,208.92 Loan Interest $618.09 $615.07 $612.04 $609.00 $605.94 $602.88 $599.80 $596.70 $593.60 $590.48 $587.35 $584.20 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $147.616.76 $146,889.76 $146,159.73 $145,426.66 $144,690.53 $143,951.34 $143,209.07 $142,463.70 $141,715.23 $140.963.64 $140,208.92 $139,451.05 Payment Principal Interest $723.98 $618.09 $727.00 $615.07 $730.03 $612.04 $733.07 $609.00 $736.13 $605.94 $739.19 $602.88 $742.27 $599.80 $745.37 $596.70 $748.47 $593.60 $751.59 $590.48 $754.72 $587.35 $757.87 $584.20 Total Payments $196,285.63 $197.627.70 $198.969.77 $200,311.84 $201.653.91 $202.995.98 $204,338.05 $205,680.12 $207,022.19 $208,364.26 $209,706.33 $211,048.40 Year 11 Amount of Loan Annual Interest Rate Number of Payments $139,451.05 5.000% 240 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 121 122 123 124 125 126 127 128 129 130 131 132 Beginning Balance $139,451.05 $138,690.03 $137,925.84 $137,158.46 $136,387.88 $135,614.09 $134,837.08 $134,056.83 $133,273.33 $132,486.57 $131,696.53 $130,903.20 Loan Interest $581.05 $577.88 $574.69 $571.49 $568.28 $565.06 $561.82 $558.57 $555.31 $552.03 $548.741 $545.43 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Ending Payment Balance $1,342.07 $138,690.03 $1,342.07 $137.925.84 $1,342.07 $137,158.46 $1,342.07 $136,387.88 $1,342.07 $135,614.09 $1,342.07 $134,837.08 $1,342.07 $134,056.83 $1,342.07 $133,273.33 $1,342.07 $132,486.57 $1,342.07 $131,696.53 $1,342.07 $130.903.20 $1,342.07 $130,106.56 Payment Principal Interest $761.02 $581.05 $764.19 $577.88 $767.38 $574.69 $770.58 $571.49 $773.79 $568.28 $777.01 $565.06 $780.25 $561.82 $783.50 $558.57 $786.76 $555.31 $790.04 $552.03 $793.33 $548.74 $796.64 $545.43 Total Payment: $212,390.47 $213.732.54 $215,074.61 $216,416.68 $217,758.75 $219,100.82 $220,442.89 $221,784.96 $223,127.03 $224,469.10 $225,811.17 $227,153.24 Year 12 Amount of Loan Annual Interest Rate Number of Payments $130,106.56 5.000% 228 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 133 134 135 136 137 138 139 140 141 142 143 Beginning Balance $130,106.56 $129,306.60 $128,503.31 $127,696.67 $126,886.67 $126,073.29 $125,256.53 $124,436.36 $123,612.77 $122.785.75 $121,955.29 $121,121.37 Loan Interest $542.11 $538.78 $535.43 $532.07 $528.69 $525.31 $521.90 $518.48 $515.05 $511.61 $508.15 $504.67 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $129,306.60 $128,503.31 $127,696.67 $126,886.67 $126,073.29 $125,256.53 $124,436.36 $123,612.77 $122,785.75 $121,955.29 $121,121.37 $120,283.97 Payment Principal Interest $799.96 $542.11 $803.29 $538.78 $806.64 $535.43 $310.00 $532.07 $813.38 $528.69 $816.76 $525.31 $820.17 $521.90 $823.59 $518.48 $827.02 $515.05 $830.46 $511.61 $833.92 $508.151 $837.40 $504.67 Total Payments $228,495.31 $229,837.38 $231,179.45 $232,521.52 $233,863.59 $235,205.66 $236,547.73 $237,889.80 $239,231.87 $240,573.94 $241,916.01 $243,258.08 144 Year 13 Amount of Loan Annual Interest Rate Number of Payments $120,283.97 5.000% 216 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 145 146 147 148 149 150 151 152 153 154 155 156 Beginning Balance $120,283.97 $119.443.08 $118.598.69 $117.750.78 $116.899.34 $116,044.35 $115,185.80 $114,323.67 $113,457.95 $112,588.62 $111.715.67 $110.839.08 Loan Interest $501.18 $497.68 $494.16 $490.63 $487.08 $483.52 $479.94 $476.35 $472.74 $469.12 $465.48 $461.83 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Ending Payment Balance $1,342.07 $119.443.08 $1,342.07 $118,598.69 $1,342.07 $117.750.78 $1,342.07 $116.899.34 $1,342.07 $116,044.35 $1,342.07 $115,185.80 $1,342.07 $114,323.67 $1,342.07 $113,457.95 $1,342.07 $112,588.62 $1,342.07 $111.715.67 $1,342.07 $110,839.08 $1,342.07 $109.958.84 Payment Principal Interest $840.89 $501.18 $844.39 $497.68 $847.91 $494.16 $851.44 $490.63 $854.99 $487.08 $858.55 $483.52 $862.13 $479.94 $865.72 $476.35 $869.33 $472.74 $872.95 $469.12 $876.59 $465.48 $880.24 $461.83 Total Payments $244,600.15 $245,942.22 $247,284.29 $248,626.36 $249,968.43 $251,310.50 $252,652.57 $253,994.64 $255,336.71 $256,678.78 $258,020.85 $259,362.92 Year 14 Amount of Loan Annual Interest Rate Number of Payments $109,958.84 5.000% 204 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 157 158 159 160 161 162 163 164 165 166 167 168 Beginning Balance $109.958.84 $ 109,074.93 $108,187.34 $107,296.05 $106,401.05 $105,502.32 $104,599.84 $103,693.60 $102,783.59 $101,869.78 $100,952.17 $100,030.73 Loan Interest $458.16 $454.48 $450.78 $447.07 $443.34 $439.59 $435.83 $432.06 $428.26 $424.46 $420.63 $416.79 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Ending Payment Balance $1,342.07 $109,074.93 $1,342.07 $108,187.34 $1,342.07 $107,296.05 $1,342.07 $ 106,401.05 $1,342.07 $ 105,502.32 $1,342.07 $104,599.84 $1,342.07 $103,693.60 $1,342.07 $102,783.59 $1,342.07 $101,869.78 $1,342.07 $100,952.17 $1,342.07 $100,030.73 $1,342.07 $99,105.45 Payment Principal Interest $883.91 $458.16 $887.59 $454.48 $891.29 $450.78 $895.00 $447.07 $898.73 $443.34 $902.48 $439.59 $906.24 $435.83 $910.01 $432.06 $913.81 $428.26 $917.61 $424.46 $921.44 $420.63 $925.28 $416.79 Total Payments $260,704.99 $262,047.06 $263,389.13 $264,731.20 $266,073.27 $267,415.34 $268,757.41 $270,099.48 $271,441.55 $272,783.62 $274,125.69 $275,467.76 Year 15 Amount of Loan Annual Interest Rate Number of Payments $99,105.45 5.000% 192 Month 169 170 171 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 172 173 174 175 176 177 178 179 180 Beginning Loan Balance Interest $99,105.45 $412.94 $98,176.32 $409.07 $97,243.32 $405.18 $96,306.43 $401.28 $95,365.64 $397.36 $94,420.93 $393.42 $93,472.28 $389.47 $92,519.68 $385.50 $91,563.11 $381.51 $90,602.55 $377.51 $89,637.99 $373.49 S88,669.41 $369.46 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $98,176.32 $97,243.32 $96,306.43 $95,365.64 $94,420.93 $93,472.28 $92,519.68 $91,563.11 $90,602.551 $89,637.99 $88,669.41 $87,696.80 Payment Principal Interest $929.13 $412.94 $933.00 $409.07 $936.89 $405.18 $940.79 $401.28 $944.71 $397.36 $948.65 $393.42 $952.60 $389.47 $956.57 $385.50 $960.56 $381.51 $964.56 $377.51 $968.58 $373.49 $972.61 $369.46 Total Payments $276,809.83 $278,151.90 $279,493.97 $280,836.04 $282,178.11 $283,520.18 $284,862.25 $286,204.32 $287,546.39 $288,888.46 $290,230.53 $291,572.60 Year 16 Amount of Loan Annual Interest Rate Number of Payments $87,696.80 5.000% 180 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 181 182 183 184 185 186 187 188 189 190 191 192 Beginning Balance $87.696.80 $86,720.13 $85,739.39 $84,754.57 $83,765.64 $82,772.59 $81,775.41 $80.774.07 $79,768.56 $78,758.86 $77,744.95 $76,726.82 Loan Interest $365.40 $361.33 $357.25 $353.14 $349.02 $344.89 $340.73 $336.56 $332.37 $328.16 $323.94 $319.70 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $86,720.13 $85,739.39 $84,754.57 $83,765.64 $82,772.59 $81,775.41 $80.774.07 $79,768.56 $78,758.86 $77.744.95 $76,726.821 $75,704.45 Payment Principal Interest $976.67 $365.40 $980.74 $361.33 $984.82 $357.25 $988.93 $353.141 $993.05 $349.02 $997.18 $344.89 $1,001.34 $340.73 $1,005.51 $336.56 $1,009.70 $332.37 $1,013.91 $328.16 $1.018.13 $323.94 $1,022.37 $319.70 Total Payments $292,914.67 $294,256.74 $295,598.81 $296,940.88 $298,282.95 $299,625.02 $300,967.09 $302,309.16 $303,651.23 $304,993.30 $306,335.37 $307,677.44 Year 17 Month 193 Amount of Loan Annual Interest Rate Number of Payments $75,704.45 5.000% 168 194 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 195 196 197 198 199 200 201 202 203 204 Beginning Balance $75,704.45 $74,677.82 $73,646.91 $72,611.70 $71,572.18 $70,528.33 $69,480.13 $68,427.56 $67,370.60 $66,309.24 $65,243.46 $64,173.24 Loan Interest $315.44 $311.16 $306.86 $302.55 $298.22 $293.87 $289.50 $285.11 $280.71 $276.29 $271.85 $267.39 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $74,677.82 $73,646.91 $72,611.70 $71,572.18 $70,528.33 $69,480.13 $68,427.56 $67,370.60 $66,309.24 $65,243.46 $64,173.24 $63,098.56 Payment Principal Interest $1,026.63 $315.44 $1,030.91 $311.16 $1.035.21 $306.86 $1.039.52 $302.55 $1,043.85 $298.22 $1,048.20 $293.87 $1.052.57 $289.50 $1,056.96 $285.11 $1,061.36 $280.71 $1,065.78 $276.29 $1,070.22 $271.85 $1.074.68 $267.39 Total Pays nts $309,019.51 $310,361.58 $311,703.65 $313,045.72 $314,387.79 $315,729.86 $317.071.93 $318,4 14.00 $319,756.07 $321,098.14 $322,440.21 $323.782.28 Year 18 Amount of Loan Annual Interest Rate Number of Payments $63,098.56 5.000% 156 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 205 206 207 208 209 210 211 212 213 214 215 216 Beginning Balance $63,098.56 $62,019.40 $60,935.74 $59,847.57 $58,754.86 $57,657.60 $56,555.77 $55,449.35 $54,338.32 $53,222.66 $52,102.35 $50,977.37 Loan Interest $262.91 $258.41 $253.90 $249.36 $244.81 $240.24 $235.65 $231.04 $226.41 $221.76 $217.09 $212.41 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $62,019.40 $60,935.74 $59,847.57 $58,754.86 $57,657.60 $56,555.77 $55,449.35 $54,338.32 $53,222.661 $52,102.35 $50,977.37 $49,847.71 Payment Principal Interest $1,079.16 $262.91 $1,083.66 $258.41 $1,088.17 $253.90 $1,092.71 $249.36 $1,09726 $244.81 $1,101.83 $240.24 $1,106.42 $235.65 $1,111.03 $231.04 $1,115.66 $226.41 $1,120.31 $221.76 $1,124.98 $217.09 $1,129.66 $212.41 Total Payments $325,124.35 $326,466.42 $327,808.49 $329,150.56 $330,492.63 $331,834.70 $333,176.77 $334,518.84 $335,860.91 $337,202.98 $338,545.05 $339,887.12 Year 19 Amount of Loan Annual Interest Rate Number of Payments $49,847.71 5.000% 144 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 217 218 219 220 221 222 223 224 225 226 227 228 Beginning Balance $49,847.71 $48,713.34 $47,574.24 $46,430.40 $45,281.79 $44,128.39 $42.970.19 $41,807.16 $40,639.29 $39,466.55 $38,288.92 $37,106.39 Loan Interest $207.70 $202.97 $198.23 $193.46 $188.67 $183.87 $179.04 $174.20 $169.33 $164.44 $159.54 $154.61 Additional Payment $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 Total Payment $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 $1,342.07 Ending Balance $48,713.34 $47,574.24 $46,430.40 $45,281.79 $44,128.39 $42.970.19 $41,807.16 $40,639.29 $39,466.55 $38,288.92 $37,106.39 $35,918.93 Payment Principal Interest $1,134.37 $207.70 $1,139.10 $202.97 $1,143.84 $198.23 $1,148.61 $193.46 $1,153.40 $188.67 $1,158.20 $183.87 $1,163.03 $179.04 $1,167.87 $174.20 $1,172.74 $169.33 $1,177.63 $164.44 $1,182.53 $159.54 $1,187.46 $154.61 Total Payments $341,229.19 $342,571.26 $343,913.33 $345,255.40 $346,597.47 $347.939.54 $349,281.61 $350,623.68 $351,965.75 $353,307.82 S354,649.89 $355,991.96 Year 20 Amount of Loan Annual Interest Rate Number of Payments $35,918.93 5.000% 132 Minimum Monthly Payment Additional Monthly Payment Monthly Payment $1,342.07 $0.00 $1,342.07 Month 229 230 231 232 233