20 Year Amortization Schedule. $25,000 Loan at 12.75%

Create an amortization chart for a 25,000 fixed rate mortgage at 12.75 APR for 20 Years. What is the monthly payment for a $25,000 Loan at 12.75% APR? Enter your details above to create an amortization chart showing the details by month or year. A downloadable printable PDF is available after you create the amortization table.

To find the best mortgage rates get several quotes, both online and at a local bank or credit union. Browse by rates below to see how a small change in APR can affect the monthly mortgage payment. Pay close attention to the different fees. Some banks charge higher closing costs.

25,000 Loan for 20 Years	Monthly Payment	Total Amount Paid
12.75%	288.45	69,228.70
13.25%	297.36	71,365.85
13.75%	306.35	73,524.32

Can I afford a 25,000 home? The monthly payment of a 25000 loan at 12.75% is 288.45.
Percentage of Income Spent	Monthly Income Required
15%	2,103
17.5%	1,802
20%	1,577
22.5%	1,402
25%	1,262
27.5%	1,147
30%	1,051
32.5%	971
35%	901
37.5%	841
40%	789

20 Year Loan at 12.75%
$5,000	57.69
$10,000	115.38
$15,000	173.07
$20,000	230.76
$25,000	288.45
$30,000	346.14
$35,000	403.83
$40,000	461.52
$45,000	519.22
$50,000	576.91
$55,000	634.60
$60,000	692.29
$65,000	749.98
$70,000	807.67
$75,000	865.36
$80,000	923.05
$85,000	980.74
$90,000	1,038.43
$95,000	1,096.12
$100,000	1,153.81
$105,000	1,211.50
$110,000	1,269.19
$115,000	1,326.88
$120,000	1,384.57
$125,000	1,442.26
$130,000	1,499.96
$135,000	1,557.65
$140,000	1,615.34
$145,000	1,673.03
$150,000	1,730.72
$155,000	1,788.41
$160,000	1,846.10
$165,000	1,903.79
$170,000	1,961.48
$175,000	2,019.17
$180,000	2,076.86
$185,000	2,134.55
$190,000	2,192.24
$195,000	2,249.93
$200,000	2,307.62
$205,000	2,365.31
$210,000	2,423.00
$215,000	2,480.69
$220,000	2,538.39
$225,000	2,596.08
$230,000	2,653.77
$235,000	2,711.46
$240,000	2,769.15
$245,000	2,826.84
$250,000	2,884.53

20 Year Loan at 12.75%
$255,000	2,942.22
$260,000	2,999.91
$265,000	3,057.60
$270,000	3,115.29
$275,000	3,172.98
$280,000	3,230.67
$285,000	3,288.36
$290,000	3,346.05
$295,000	3,403.74
$300,000	3,461.43
$305,000	3,519.13
$310,000	3,576.82
$315,000	3,634.51
$320,000	3,692.20
$325,000	3,749.89
$330,000	3,807.58
$335,000	3,865.27
$340,000	3,922.96
$345,000	3,980.65
$350,000	4,038.34
$355,000	4,096.03
$360,000	4,153.72
$365,000	4,211.41
$370,000	4,269.10
$375,000	4,326.79
$380,000	4,384.48
$385,000	4,442.17
$390,000	4,499.87
$395,000	4,557.56
$400,000	4,615.25
$405,000	4,672.94
$410,000	4,730.63
$415,000	4,788.32
$420,000	4,846.01
$425,000	4,903.70
$430,000	4,961.39
$435,000	5,019.08
$440,000	5,076.77
$445,000	5,134.46
$450,000	5,192.15
$455,000	5,249.84
$460,000	5,307.53
$465,000	5,365.22
$470,000	5,422.91
$475,000	5,480.61
$480,000	5,538.30
$485,000	5,595.99
$490,000	5,653.68
$495,000	5,711.37
$500,000	5,769.06

20 Year Loan at 12.75%
$505,000	5,826.75
$510,000	5,884.44
$515,000	5,942.13
$520,000	5,999.82
$525,000	6,057.51
$530,000	6,115.20
$535,000	6,172.89
$540,000	6,230.58
$545,000	6,288.27
$550,000	6,345.96
$555,000	6,403.65
$560,000	6,461.34
$565,000	6,519.04
$570,000	6,576.73
$575,000	6,634.42
$580,000	6,692.11
$585,000	6,749.80
$590,000	6,807.49
$595,000	6,865.18
$600,000	6,922.87
$605,000	6,980.56
$610,000	7,038.25
$615,000	7,095.94
$620,000	7,153.63
$625,000	7,211.32
$630,000	7,269.01
$635,000	7,326.70
$640,000	7,384.39
$645,000	7,442.08
$650,000	7,499.78
$655,000	7,557.47
$660,000	7,615.16
$665,000	7,672.85
$670,000	7,730.54
$675,000	7,788.23
$680,000	7,845.92
$685,000	7,903.61
$690,000	7,961.30
$695,000	8,018.99
$700,000	8,076.68
$705,000	8,134.37
$710,000	8,192.06
$715,000	8,249.75
$720,000	8,307.44
$725,000	8,365.13
$730,000	8,422.82
$735,000	8,480.52
$740,000	8,538.21
$745,000	8,595.90
$750,000	8,653.59

20 Year Loan at 12.75%
$755,000	8,711.28
$760,000	8,768.97
$765,000	8,826.66
$770,000	8,884.35
$775,000	8,942.04
$780,000	8,999.73
$785,000	9,057.42
$790,000	9,115.11
$795,000	9,172.80
$800,000	9,230.49
$805,000	9,288.18
$810,000	9,345.87
$815,000	9,403.56
$820,000	9,461.26
$825,000	9,518.95
$830,000	9,576.64
$835,000	9,634.33
$840,000	9,692.02
$845,000	9,749.71
$850,000	9,807.40
$855,000	9,865.09
$860,000	9,922.78
$865,000	9,980.47
$870,000	10,038.16
$875,000	10,095.85
$880,000	10,153.54
$885,000	10,211.23
$890,000	10,268.92
$895,000	10,326.61
$900,000	10,384.30
$905,000	10,441.99
$910,000	10,499.69
$915,000	10,557.38
$920,000	10,615.07
$925,000	10,672.76
$930,000	10,730.45
$935,000	10,788.14
$940,000	10,845.83
$945,000	10,903.52
$950,000	10,961.21
$955,000	11,018.90
$960,000	11,076.59
$965,000	11,134.28
$970,000	11,191.97
$975,000	11,249.66
$980,000	11,307.35
$985,000	11,365.04
$990,000	11,422.73
$995,000	11,480.43
$1,000,000	11,538.12

Frequently Asked Questions

Here are answers to help understand the basic concepts of amortization schedules.

What is an amortization schedule?
An amortization schedule displays the payments required for paying off a loan or mortgage. Each payment is separated into the amount that goes towards interest with the rest being used to pay down the remaining balance.
What is the principal?
The principal is the remaining balance to be paid off. Initially this is the full amount of the loan but each payment subtracts an amount. The term "principal balance" is often used to indicate this number.
What about a down payment?
Most mortgages will require a down payment amount upon closing. Be sure to subtract this amount from your purchase price to obtain the actual amount of your loan. For example, if you purchase a home for $25,000 with a down payment of $5,000, you should create an amortization schedule based on a principal of $20,000.
How does the interest rate affect the total cost of a loan?
The interest rate determines the amount of money that must be paid back the lender in addition to the original loan amount. A higher interest will result in higher monthly payments.
What can I use an amortization schedule for?
Amortization schedules can be used for any type of asset, including home mortgages, car loans, credit cards, student loans and many more.