Which is better: fixed or adjustable?
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Your monthly schedule of payments - Fixed
Month
Monthly payment
Balance
Principal paid
Cumulative interest
Maximum tax savings
1
$1,559
$290,051
$349
$1,210
$0
2
$1,559
$289,701
$350
$2,419
$0
3
$1,559
$289,349
$352
$3,626
$0
4
$1,559
$288,996
$353
$4,831
$0
5
$1,559
$288,641
$355
$6,035
$0
6
$1,559
$288,284
$356
$7,238
$0
7
$1,559
$287,927
$358
$8,439
$0
8
$1,559
$287,568
$359
$9,639
$0
9
$1,559
$287,207
$361
$10,837
$0
10
$1,559
$286,845
$362
$12,034
$0
11
$1,559
$286,481
$364
$13,229
$0
12
$1,559
$286,116
$365
$14,423
$6,955
13
$1,559
$285,749
$367
$15,615
$0
14
$1,559
$285,380
$368
$16,805
$0
15
$1,559
$285,011
$370
$17,995
$0
16
$1,559
$284,639
$371
$19,182
$0
17
$1,559
$284,266
$373
$20,368
$0
18
$1,559
$283,892
$374
$21,553
$0
19
$1,559
$283,516
$376
$22,735
$0
20
$1,559
$283,138
$378
$23,917
$0
21
$1,559
$282,759
$379
$25,096
$0
22
$1,559
$282,378
$381
$26,275
$0
23
$1,559
$281,996
$382
$27,451
$0
24
$1,559
$281,612
$384
$28,626
$5,899
25
$1,559
$281,226
$386
$29,800
$0
26
$1,559
$280,839
$387
$30,971
$0
27
$1,559
$280,450
$389
$32,142
$0
28
$1,559
$280,060
$390
$33,310
$0
29
$1,559
$279,668
$392
$34,477
$0
30
$1,559
$279,274
$394
$35,642
$0
31
$1,559
$278,879
$395
$36,806
$0
32
$1,559
$278,482
$397
$37,968
$0
33
$1,559
$278,084
$399
$39,128
$0
34
$1,559
$277,683
$400
$40,287
$0
35
$1,559
$277,281
$402
$41,444
$0
36
$1,559
$276,878
$404
$42,599
$5,821
37
$1,559
$276,473
$405
$43,753
$0
38
$1,559
$276,066
$407
$44,905
$0
39
$1,559
$275,657
$409
$46,055
$0
40
$1,559
$275,247
$410
$47,204
$0
41
$1,559
$274,834
$412
$48,351
$0
42
$1,559
$274,421
$414
$49,496
$0
43
$1,559
$274,005
$416
$50,639
$0
44
$1,559
$273,588
$417
$51,781
$0
45
$1,559
$273,169
$419
$52,921
$0
46
$1,559
$272,748
$421
$54,059
$0
47
$1,559
$272,326
$422
$55,195
$0
48
$1,559
$271,902
$424
$56,330
$5,740
49
$1,559
$271,476
$426
$57,463
$0
50
$1,559
$271,048
$428
$58,594
$0
51
$1,559
$270,618
$430
$59,724
$0
52
$1,559
$270,187
$431
$60,851
$0
53
$1,559
$269,754
$433
$61,977
$0
54
$1,559
$269,319
$435
$63,101
$0
55
$1,559
$268,882
$437
$64,223
$0
56
$1,559
$268,443
$439
$65,343
$0
57
$1,559
$268,003
$440
$66,462
$0
58
$1,559
$267,561
$442
$67,579
$0
59
$1,559
$267,117
$444
$68,693
$0
60
$1,559
$266,671
$446
$69,806
$5,653
61
$1,559
$266,223
$448
$70,918
$0
62
$1,559
$265,773
$450
$72,027
$0
63
$1,559
$265,322
$452
$73,134
$0
64
$1,559
$264,868
$453
$74,240
$0
65
$1,559
$264,413
$455
$75,343
$0
66
$1,559
$263,956
$457
$76,445
$0
67
$1,559
$263,497
$459
$77,545
$0
68
$1,559
$263,036
$461
$78,643
$0
69
$1,559
$262,573
$463
$79,739
$0
70
$1,559
$262,108
$465
$80,833
$0
71
$1,559
$261,641
$467
$81,925
$0
72
$1,559
$261,172
$469
$83,015
$5,563
73
$1,559
$260,701
$471
$84,103
$0
74
$1,559
$260,229
$473
$85,190
$0
75
$1,559
$259,754
$475
$86,274
$0
76
$1,559
$259,277
$477
$87,356
$0
77
$1,559
$258,799
$479
$88,436
$0
78
$1,559
$258,318
$481
$89,515
$0
79
$1,559
$257,836
$483
$90,591
$0
80
$1,559
$257,351
$485
$91,665
$0
81
$1,559
$256,864
$487
$92,738
$0
82
$1,559
$256,376
$489
$93,808
$0
83
$1,559
$255,885
$491
$94,876
$0
84
$1,559
$0
$493
$95,942
$5,468
Your monthly schedule of payments - Adjustable
Month
Monthly payment
Balance
Principal paid
Cumulative interest
Maximum tax savings
1
$926
$199,699
$301
$625
$0
2
$926
$199,397
$302
$1,249
$0
3
$926
$199,093
$303
$1,872
$0
4
$926
$198,789
$304
$2,494
$0
5
$926
$198,484
$305
$3,116
$0
6
$926
$198,178
$306
$3,736
$0
7
$977
$197,895
$284
$4,429
$0
8
$977
$197,610
$285
$5,122
$0
9
$977
$197,324
$286
$5,814
$0
10
$977
$197,038
$287
$6,504
$0
11
$977
$196,750
$288
$7,194
$0
12
$977
$196,461
$289
$7,883
$4,439
13
$1,023
$196,191
$270
$8,636
$0
14
$1,023
$195,920
$271
$9,388
$0
15
$1,023
$195,647
$272
$10,139
$0
16
$1,023
$195,374
$273
$10,889
$0
17
$1,023
$195,099
$274
$11,638
$0
18
$1,023
$194,824
$275
$12,386
$0
19
$1,046
$194,557
$267
$13,165
$0
20
$1,046
$194,288
$268
$13,943
$0
21
$1,046
$194,019
$269
$14,720
$0
22
$1,046
$193,749
$270
$15,496
$0
23
$1,046
$193,477
$271
$16,271
$0
24
$1,046
$193,205
$273
$17,045
$4,195
25
$1,093
$192,949
$256
$17,882
$0
26
$1,093
$192,692
$257
$18,719
$0
27
$1,093
$192,435
$258
$19,554
$0
28
$1,093
$192,176
$259
$20,387
$0
29
$1,093
$191,916
$260
$21,220
$0
30
$1,093
$191,654
$261
$22,052
$0
31
$1,116
$191,401
$254
$22,914
$0
32
$1,116
$191,146
$255
$23,776
$0
33
$1,116
$190,890
$256
$24,636
$0
34
$1,116
$190,633
$257
$25,495
$0
35
$1,116
$190,375
$258
$26,353
$0
36
$1,116
$190,115
$259
$27,209
$4,534
37
$1,163
$189,871
$244
$28,128
$0
38
$1,163
$189,627
$245
$29,046
$0
39
$1,163
$189,380
$246
$29,962
$0
40
$1,163
$189,133
$247
$30,878
$0
41
$1,163
$188,885
$249
$31,792
$0
42
$1,163
$188,635
$250
$32,705
$0
43
$1,186
$188,392
$243
$33,648
$0
44
$1,186
$188,148
$244
$34,590
$0
45
$1,186
$187,903
$245
$35,531
$0
46
$1,186
$187,656
$246
$36,470
$0
47
$1,186
$187,409
$248
$37,409
$0
48
$1,186
$187,160
$249
$38,346
$4,863
49
$1,233
$186,925
$234
$39,344
$0
50
$1,233
$186,689
$236
$40,341
$0
51
$1,233
$186,452
$237
$41,336
$0
52
$1,233
$186,214
$238
$42,331
$0
53
$1,233
$185,975
$240
$43,324
$0
54
$1,233
$185,734
$241
$44,316
$0
55
$1,256
$185,499
$234
$45,337
$0
56
$1,256
$185,264
$236
$46,358
$0
57
$1,256
$185,027
$237
$47,377
$0
58
$1,256
$184,788
$238
$48,394
$0
59
$1,256
$184,549
$240
$49,410
$0
60
$1,256
$184,308
$241
$50,426
$5,182
61
$1,303
$184,080
$228
$51,501
$0
62
$1,303
$183,851
$229
$52,574
$0
63
$1,303
$183,621
$230
$53,647
$0
64
$1,303
$183,390
$232
$54,718
$0
65
$1,303
$183,157
$233
$55,788
$0
66
$1,303
$182,922
$234
$56,856
$0
67
$1,326
$182,694
$228
$57,954
$0
68
$1,326
$182,464
$230
$59,050
$0
69
$1,326
$182,233
$231
$60,145
$0
70
$1,326
$182,001
$233
$61,238
$0
71
$1,326
$181,767
$234
$62,330
$0
72
$1,326
$181,531
$235
$63,421
$5,491
73
$1,361
$181,305
$226
$64,555
$0
74
$1,361
$181,077
$228
$65,688
$0
75
$1,361
$180,848
$229
$66,820
$0
76
$1,361
$180,618
$230
$67,950
$0
77
$1,361
$180,386
$232
$69,079
$0
78
$1,361
$180,153
$233
$70,207
$0
79
$1,361
$179,918
$235
$71,333
$0
80
$1,361
$179,682
$236
$72,457
$0
81
$1,361
$179,444
$238
$73,580
$0
82
$1,361
$179,205
$239
$74,702
$0
83
$1,361
$178,964
$241
$75,822
$0
84
$1,361
$0
$242
$76,940
$5,668