Mortgage Payment Scenarios: 60 Reproducible Examples
Compare 60 reproducible fixed-rate P&I examples, including first-five-year interest and remaining principal. These are selected mathematical inputs, not current rates, quotes or complete ownership costs.
Published October 23, 2026 · Borrow Your Loan
What does this original dataset measure?
Version 1.0.0 contains 60 deterministic fixed-rate mortgage calculations: principal amounts $100,000,$200,000,$300,000,$400,000 and $500,000; assumed nominal note rates 4%,5%,6%,7%,8% and9%; and terms 15 or30 years. The grid is5 ×6 ×2 =60 cases. Rates are selected mathematical inputs, not current mortgage quotes or evidence about market availability.
Each record includes monthly principal and interest, full-term interest, and principal/interest measures after 60 scheduled payments. Costs outside P&I are deliberately excluded rather than hidden inside an unexplained estimate.
How does the same loan compare over15 and 30 years?
| Term | Monthly P&I only | Full-term interest | Interest in first 60 payments | Principal after 60 payments |
|---|---|---|---|---|
| 15 years | $2,531.57 | $155,682.69 | $79,921.52 | $228,027.30 |
| 30 years | $1,798.65 | $347,514.57 | $87,082.16 | $279,163.07 |
The 15-year case requires more monthly cash and repays principal faster. The 30-year case has a smaller scheduled P&I payment but a longer payoff period. Taxes, insurance, mortgage insurance, HOA and closing costs are excluded from this table. Full-precision payments are used before rounding.
How are the values calculated?
Decimal precision50. Fixed fully amortizing monthly principal-and-interest payments. Monthly rate equals nominal note interest rate divided by1200 when entered as a percentage. Payment = principal*r/(1-(1+r)^(-n)); at zero rate,payment = principal/n. Remaining principal after60 payments = principal*(1+r)^60-payment*((1+r)^60-1)/r. Principal paid = starting principal minus remaining principal; first60 interest = first60 payments minus principal paid. Full precision is retained; monetary fields round half-up to cents only for publication.
M = P × r / (1 − (1 + r)−n); r = annual note-rate percentage /1200. At a zero rate,M = P/n. The remaining principal after k payments is P(1+r)k − M((1+r)k−1)/r. All published grid cases use k=60.
This is a monthly interest model. It does not simulate actual servicing, payoff-date interest, late payments, prepayment, refinancing or daily accrual. Rounded monthly payments multiplied by the term may differ slightly from the published totals, which retain precision before rounding.
Can you inspect all 60 cases?
| ID | Principal | Note-rate assumption | Term | Monthly P&I | Interest in first 60 payments | Principal after 60 payments |
|---|---|---|---|---|---|---|
| 1 | $100,000.00 | 4% | 15 years | $739.69 | $17,440.38 | $73,059.11 |
| 2 | $100,000.00 | 4% | 30 years | $477.42 | $19,092.43 | $90,447.51 |
| 3 | $100,000.00 | 5% | 15 years | $790.79 | $22,004.71 | $74,557.09 |
| 4 | $100,000.00 | 5% | 30 years | $536.82 | $24,038.03 | $91,828.73 |
| 5 | $100,000.00 | 6% | 15 years | $843.86 | $26,640.51 | $76,009.10 |
| 6 | $100,000.00 | 6% | 30 years | $599.55 | $29,027.39 | $93,054.36 |
| 7 | $100,000.00 | 7% | 15 years | $898.83 | $31,342.50 | $77,412.80 |
| 8 | $100,000.00 | 7% | 30 years | $665.30 | $34,049.74 | $94,131.59 |
| 9 | $100,000.00 | 8% | 15 years | $955.65 | $36,105.39 | $78,766.26 |
| 10 | $100,000.00 | 8% | 30 years | $733.76 | $39,095.73 | $95,069.86 |
| 11 | $100,000.00 | 9% | 15 years | $1,014.27 | $40,923.92 | $80,067.92 |
| 12 | $100,000.00 | 9% | 30 years | $804.62 | $44,157.49 | $95,880.14 |
| 13 | $200,000.00 | 4% | 15 years | $1,479.38 | $34,880.76 | $146,118.21 |
| 14 | $200,000.00 | 4% | 30 years | $954.83 | $38,184.86 | $180,895.03 |
| 15 | $200,000.00 | 5% | 15 years | $1,581.59 | $44,009.42 | $149,114.18 |
| 16 | $200,000.00 | 5% | 30 years | $1,073.64 | $48,076.06 | $183,657.46 |
| 17 | $200,000.00 | 6% | 15 years | $1,687.71 | $53,281.02 | $152,018.20 |
| 18 | $200,000.00 | 6% | 30 years | $1,199.10 | $58,054.78 | $186,108.71 |
| 19 | $200,000.00 | 7% | 15 years | $1,797.66 | $62,685.00 | $154,825.60 |
| 20 | $200,000.00 | 7% | 30 years | $1,330.60 | $68,099.48 | $188,263.18 |
| 21 | $200,000.00 | 8% | 15 years | $1,911.30 | $72,210.77 | $157,532.52 |
| 22 | $200,000.00 | 8% | 30 years | $1,467.53 | $78,191.46 | $190,139.71 |
| 23 | $200,000.00 | 9% | 15 years | $2,028.53 | $81,847.83 | $160,135.84 |
| 24 | $200,000.00 | 9% | 30 years | $1,609.25 | $88,314.99 | $191,760.27 |
| 25 | $300,000.00 | 4% | 15 years | $2,219.06 | $52,321.14 | $219,177.32 |
| 26 | $300,000.00 | 4% | 30 years | $1,432.25 | $57,277.29 | $271,342.54 |
| 27 | $300,000.00 | 5% | 15 years | $2,372.38 | $66,014.13 | $223,671.27 |
| 28 | $300,000.00 | 5% | 30 years | $1,610.46 | $72,114.09 | $275,486.20 |
| 29 | $300,000.00 | 6% | 15 years | $2,531.57 | $79,921.52 | $228,027.30 |
| 30 | $300,000.00 | 6% | 30 years | $1,798.65 | $87,082.16 | $279,163.07 |
| 31 | $300,000.00 | 7% | 15 years | $2,696.48 | $94,027.49 | $232,238.41 |
| 32 | $300,000.00 | 7% | 30 years | $1,995.91 | $102,149.22 | $282,394.77 |
| 33 | $300,000.00 | 8% | 15 years | $2,866.96 | $108,316.16 | $236,298.78 |
| 34 | $300,000.00 | 8% | 30 years | $2,201.29 | $117,287.19 | $285,209.57 |
| 35 | $300,000.00 | 9% | 15 years | $3,042.80 | $122,771.75 | $240,203.76 |
| 36 | $300,000.00 | 9% | 30 years | $2,413.87 | $132,472.48 | $287,640.41 |
| 37 | $400,000.00 | 4% | 15 years | $2,958.75 | $69,761.53 | $292,236.42 |
| 38 | $400,000.00 | 4% | 30 years | $1,909.66 | $76,369.72 | $361,790.05 |
| 39 | $400,000.00 | 5% | 15 years | $3,163.17 | $88,018.83 | $298,228.36 |
| 40 | $400,000.00 | 5% | 30 years | $2,147.29 | $96,152.12 | $367,314.93 |
| 41 | $400,000.00 | 6% | 15 years | $3,375.43 | $106,562.03 | $304,036.39 |
| 42 | $400,000.00 | 6% | 30 years | $2,398.20 | $116,109.55 | $372,217.43 |
| 43 | $400,000.00 | 7% | 15 years | $3,595.31 | $125,369.99 | $309,651.21 |
| 44 | $400,000.00 | 7% | 30 years | $2,661.21 | $136,198.96 | $376,526.36 |
| 45 | $400,000.00 | 8% | 15 years | $3,822.61 | $144,421.54 | $315,065.04 |
| 46 | $400,000.00 | 8% | 30 years | $2,935.06 | $156,382.92 | $380,279.43 |
| 47 | $400,000.00 | 9% | 15 years | $4,057.07 | $163,695.66 | $320,271.68 |
| 48 | $400,000.00 | 9% | 30 years | $3,218.49 | $176,629.97 | $383,520.55 |
| 49 | $500,000.00 | 4% | 15 years | $3,698.44 | $87,201.91 | $365,295.53 |
| 50 | $500,000.00 | 4% | 30 years | $2,387.08 | $95,462.15 | $452,237.57 |
| 51 | $500,000.00 | 5% | 15 years | $3,953.97 | $110,023.54 | $372,785.45 |
| 52 | $500,000.00 | 5% | 30 years | $2,684.11 | $120,190.15 | $459,143.66 |
| 53 | $500,000.00 | 6% | 15 years | $4,219.28 | $133,202.54 | $380,045.49 |
| 54 | $500,000.00 | 6% | 30 years | $2,997.75 | $145,136.94 | $465,271.78 |
| 55 | $500,000.00 | 7% | 15 years | $4,494.14 | $156,712.49 | $387,064.01 |
| 56 | $500,000.00 | 7% | 30 years | $3,326.51 | $170,248.70 | $470,657.95 |
| 57 | $500,000.00 | 8% | 15 years | $4,778.26 | $180,526.93 | $393,831.30 |
| 58 | $500,000.00 | 8% | 30 years | $3,668.82 | $195,478.66 | $475,349.28 |
| 59 | $500,000.00 | 9% | 15 years | $5,071.33 | $204,619.58 | $400,339.60 |
| 60 | $500,000.00 | 9% | 30 years | $4,023.11 | $220,787.47 | $479,400.68 |
How can you reproduce or cite the results?
- Download all 60 scenarios (CSV)
- Download data, definitions and limitations (JSON)
- Download Python 3 reproduction code — standard library only;run in a writable directory to recreate both data files.
Suggested citation: Borrow Your Loan,Mortgage Payment Scenarios, version 1.0.0, October 23, 2026,60 deterministic scenarios. Include the scenario ID and this methodology URL. Cite these as modeled examples, not surveyed rates or realized consumer costs.
What do the variables mean?
| Column | Meaning |
|---|---|
| loan_principal | Starting loan amount; not the home purchase price or cash to close. |
| nominal_note_rate_percent | Assumed annual interest rate,not fee-inclusive APR. |
| term_months | Number of scheduled monthly payments. |
| monthly_principal_interest | Fixed monthly principal-and-interest payment only. |
| full_term_principal_interest | Unrounded payment multiplied by term,then rounded for publication. |
| full_term_interest | Full-term payments minus starting principal. |
| remaining_principal_after_60 | Mathematical principal after60 on-time scheduled payments,not a payoff quote. |
| principal_paid_first_60 | Starting principal minus the60-payment principal balance. |
| interest_paid_first_60 | First60 P&I payments minus principal paid. |
| principal_interest_paid_first_60 | Total first60 P&I payments,without taxes,insurance or other ownership costs. |
What are the limitations?
- These are deterministic mathematical examples,not observed rates,APR disclosures,loan offers or lending/qualification requirements.
- Excludes closing costs,discount points,financed fees,mortgage insurance,property taxes,homeowners insurance,HOA,maintenance and other ownership costs.
- Fixed note rate,monthly interest,all scheduled payments on time,no prepayment or refinancing. Actual servicing may use different accrual or rounding.
- The60-payment balance is not a payoff quote; it excludes payoff-date interest and other applicable charges.
- Interest and remaining balance measure different things. A larger payment may reduce principal faster while requiring more monthly cash.
- Future insurance,tax,HOA and mortgage-insurance costs are not estimated by this P&I dataset.
Use the mortgage calculator to add explicit tax, insurance, mortgage-insurance and HOA assumptions. Those values are a separate ownership-budget illustration, not observations added to this P&I dataset. The mortgage decision guide explains the broader comparison. Read editorial policy, commercial disclosure and report a reproducible error with its version and scenario ID, without account details.
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