Use the calculator below to calculate your monthly home equity payment for the loan from CITIZENS EQUITY FIRST. You can adjust loan amount, interest rate, and the home equity term to view the impact on the monthly payment amount. The calculator also provides an amortization table to show the amount of principal and interest payments a borrower will make over the life of the loan.
Interest Type: Fixed
Interest Rate: 6.990%
Term : 15 Years
| Date | Principal Balance? | Monthly Payment? | Interest? | Monthly Amortization? |
|---|---|---|---|---|
| 09/02/2025 | $219,305.31 | $1,976.19 | $1,281.50 | $694.69 |
| 10/02/2025 | $218,606.57 | $1,976.19 | $1,277.45 | $698.74 |
| 11/02/2025 | $217,903.76 | $1,976.19 | $1,273.38 | $702.81 |
| 12/02/2025 | $217,196.86 | $1,976.19 | $1,269.29 | $706.90 |
| 01/02/2026 | $216,485.84 | $1,976.19 | $1,265.17 | $711.02 |
| 02/02/2026 | $215,770.67 | $1,976.19 | $1,261.03 | $715.16 |
| 03/02/2026 | $215,051.34 | $1,976.19 | $1,256.86 | $719.33 |
| 04/02/2026 | $214,327.83 | $1,976.19 | $1,252.67 | $723.52 |
| 05/02/2026 | $213,600.09 | $1,976.19 | $1,248.46 | $727.73 |
| 06/02/2026 | $212,868.12 | $1,976.19 | $1,244.22 | $731.97 |
| 07/02/2026 | $212,131.89 | $1,976.19 | $1,239.96 | $736.24 |
| 08/02/2026 | $211,391.36 | $1,976.19 | $1,235.67 | $740.52 |
| 09/02/2026 | $210,646.52 | $1,976.19 | $1,231.35 | $744.84 |
| 10/02/2026 | $209,897.35 | $1,976.19 | $1,227.02 | $749.18 |
| 11/02/2026 | $209,143.81 | $1,976.19 | $1,222.65 | $753.54 |
| 12/02/2026 | $208,385.88 | $1,976.19 | $1,218.26 | $757.93 |
| 01/02/2027 | $207,623.53 | $1,976.19 | $1,213.85 | $762.34 |
| 02/02/2027 | $206,856.75 | $1,976.19 | $1,209.41 | $766.79 |
| 03/02/2027 | $206,085.50 | $1,976.19 | $1,204.94 | $771.25 |
| 04/02/2027 | $205,309.75 | $1,976.19 | $1,200.45 | $775.74 |
| 05/02/2027 | $204,529.49 | $1,976.19 | $1,195.93 | $780.26 |
| 06/02/2027 | $203,744.68 | $1,976.19 | $1,191.38 | $784.81 |
| 07/02/2027 | $202,955.30 | $1,976.19 | $1,186.81 | $789.38 |
| 08/02/2027 | $202,161.32 | $1,976.19 | $1,182.21 | $793.98 |
| 09/02/2027 | $201,362.72 | $1,976.19 | $1,177.59 | $798.60 |
| 10/02/2027 | $200,559.47 | $1,976.19 | $1,172.94 | $803.25 |
| 11/02/2027 | $199,751.53 | $1,976.19 | $1,168.26 | $807.93 |
| 12/02/2027 | $198,938.89 | $1,976.19 | $1,163.55 | $812.64 |
| 01/02/2028 | $198,121.52 | $1,976.19 | $1,158.82 | $817.37 |
| 02/02/2028 | $197,299.38 | $1,976.19 | $1,154.06 | $822.13 |
| 03/02/2028 | $196,472.46 | $1,976.19 | $1,149.27 | $826.92 |
| 04/02/2028 | $195,640.72 | $1,976.19 | $1,144.45 | $831.74 |
| 05/02/2028 | $194,804.13 | $1,976.19 | $1,139.61 | $836.59 |
| 06/02/2028 | $193,962.68 | $1,976.19 | $1,134.73 | $841.46 |
| 07/02/2028 | $193,116.32 | $1,976.19 | $1,129.83 | $846.36 |
| 08/02/2028 | $192,265.03 | $1,976.19 | $1,124.90 | $851.29 |
| 09/02/2028 | $191,408.78 | $1,976.19 | $1,119.94 | $856.25 |
| 10/02/2028 | $190,547.54 | $1,976.19 | $1,114.96 | $861.24 |
| 11/02/2028 | $189,681.29 | $1,976.19 | $1,109.94 | $866.25 |
| 12/02/2028 | $188,809.99 | $1,976.19 | $1,104.89 | $871.30 |
| 01/02/2029 | $187,933.62 | $1,976.19 | $1,099.82 | $876.37 |
| 02/02/2029 | $187,052.14 | $1,976.19 | $1,094.71 | $881.48 |
| 03/02/2029 | $186,165.52 | $1,976.19 | $1,089.58 | $886.61 |
| 04/02/2029 | $185,273.74 | $1,976.19 | $1,084.41 | $891.78 |
| 05/02/2029 | $184,376.77 | $1,976.19 | $1,079.22 | $896.97 |
| 06/02/2029 | $183,474.57 | $1,976.19 | $1,073.99 | $902.20 |
| 07/02/2029 | $182,567.12 | $1,976.19 | $1,068.74 | $907.45 |
| 08/02/2029 | $181,654.38 | $1,976.19 | $1,063.45 | $912.74 |
| 09/02/2029 | $180,736.33 | $1,976.19 | $1,058.14 | $918.06 |
| 10/02/2029 | $179,812.92 | $1,976.19 | $1,052.79 | $923.40 |
| 11/02/2029 | $178,884.14 | $1,976.19 | $1,047.41 | $928.78 |
| 12/02/2029 | $177,949.95 | $1,976.19 | $1,042.00 | $934.19 |
| 01/02/2030 | $177,010.31 | $1,976.19 | $1,036.56 | $939.63 |
| 02/02/2030 | $176,065.21 | $1,976.19 | $1,031.09 | $945.11 |
| 03/02/2030 | $175,114.59 | $1,976.19 | $1,025.58 | $950.61 |
| 04/02/2030 | $174,158.44 | $1,976.19 | $1,020.04 | $956.15 |
| 05/02/2030 | $173,196.72 | $1,976.19 | $1,014.47 | $961.72 |
| 06/02/2030 | $172,229.40 | $1,976.19 | $1,008.87 | $967.32 |
| 07/02/2030 | $171,256.45 | $1,976.19 | $1,003.24 | $972.96 |
| 08/02/2030 | $170,277.82 | $1,976.19 | $997.57 | $978.62 |
| 09/02/2030 | $169,293.50 | $1,976.19 | $991.87 | $984.32 |
| 10/02/2030 | $168,303.44 | $1,976.19 | $986.13 | $990.06 |
| 11/02/2030 | $167,307.62 | $1,976.19 | $980.37 | $995.82 |
| 12/02/2030 | $166,305.99 | $1,976.19 | $974.57 | $1,001.63 |
| 01/02/2031 | $165,298.53 | $1,976.19 | $968.73 | $1,007.46 |
| 02/02/2031 | $164,285.20 | $1,976.19 | $962.86 | $1,013.33 |
| 03/02/2031 | $163,265.97 | $1,976.19 | $956.96 | $1,019.23 |
| 04/02/2031 | $162,240.80 | $1,976.19 | $951.02 | $1,025.17 |
| 05/02/2031 | $161,209.66 | $1,976.19 | $945.05 | $1,031.14 |
| 06/02/2031 | $160,172.52 | $1,976.19 | $939.05 | $1,037.15 |
| 07/02/2031 | $159,129.33 | $1,976.19 | $933.00 | $1,043.19 |
| 08/02/2031 | $158,080.07 | $1,976.19 | $926.93 | $1,049.26 |
| 09/02/2031 | $157,024.69 | $1,976.19 | $920.82 | $1,055.38 |
| 10/02/2031 | $155,963.17 | $1,976.19 | $914.67 | $1,061.52 |
| 11/02/2031 | $154,895.46 | $1,976.19 | $908.49 | $1,067.71 |
| 12/02/2031 | $153,821.53 | $1,976.19 | $902.27 | $1,073.93 |
| 01/02/2032 | $152,741.35 | $1,976.19 | $896.01 | $1,080.18 |
| 02/02/2032 | $151,654.88 | $1,976.19 | $889.72 | $1,086.47 |
| 03/02/2032 | $150,562.07 | $1,976.19 | $883.39 | $1,092.80 |
| 04/02/2032 | $149,462.91 | $1,976.19 | $877.02 | $1,099.17 |
| 05/02/2032 | $148,357.33 | $1,976.19 | $870.62 | $1,105.57 |
| 06/02/2032 | $147,245.32 | $1,976.19 | $864.18 | $1,112.01 |
| 07/02/2032 | $146,126.84 | $1,976.19 | $857.70 | $1,118.49 |
| 08/02/2032 | $145,001.83 | $1,976.19 | $851.19 | $1,125.00 |
| 09/02/2032 | $143,870.27 | $1,976.19 | $844.64 | $1,131.56 |
| 10/02/2032 | $142,732.13 | $1,976.19 | $838.04 | $1,138.15 |
| 11/02/2032 | $141,587.35 | $1,976.19 | $831.41 | $1,144.78 |
| 12/02/2032 | $140,435.90 | $1,976.19 | $824.75 | $1,151.45 |
| 01/02/2033 | $139,277.75 | $1,976.19 | $818.04 | $1,158.15 |
| 02/02/2033 | $138,112.85 | $1,976.19 | $811.29 | $1,164.90 |
| 03/02/2033 | $136,941.16 | $1,976.19 | $804.51 | $1,171.69 |
| 04/02/2033 | $135,762.65 | $1,976.19 | $797.68 | $1,178.51 |
| 05/02/2033 | $134,577.28 | $1,976.19 | $790.82 | $1,185.37 |
| 06/02/2033 | $133,385.00 | $1,976.19 | $783.91 | $1,192.28 |
| 07/02/2033 | $132,185.78 | $1,976.19 | $776.97 | $1,199.22 |
| 08/02/2033 | $130,979.56 | $1,976.19 | $769.98 | $1,206.21 |
| 09/02/2033 | $129,766.33 | $1,976.19 | $762.96 | $1,213.24 |
| 10/02/2033 | $128,546.02 | $1,976.19 | $755.89 | $1,220.30 |
| 11/02/2033 | $127,318.61 | $1,976.19 | $748.78 | $1,227.41 |
| 12/02/2033 | $126,084.05 | $1,976.19 | $741.63 | $1,234.56 |
| 01/02/2034 | $124,842.30 | $1,976.19 | $734.44 | $1,241.75 |
| 02/02/2034 | $123,593.31 | $1,976.19 | $727.21 | $1,248.99 |
| 03/02/2034 | $122,337.05 | $1,976.19 | $719.93 | $1,256.26 |
| 04/02/2034 | $121,073.47 | $1,976.19 | $712.61 | $1,263.58 |
| 05/02/2034 | $119,802.53 | $1,976.19 | $705.25 | $1,270.94 |
| 06/02/2034 | $118,524.19 | $1,976.19 | $697.85 | $1,278.34 |
| 07/02/2034 | $117,238.40 | $1,976.19 | $690.40 | $1,285.79 |
| 08/02/2034 | $115,945.12 | $1,976.19 | $682.91 | $1,293.28 |
| 09/02/2034 | $114,644.31 | $1,976.19 | $675.38 | $1,300.81 |
| 10/02/2034 | $113,335.92 | $1,976.19 | $667.80 | $1,308.39 |
| 11/02/2034 | $112,019.91 | $1,976.19 | $660.18 | $1,316.01 |
| 12/02/2034 | $110,696.23 | $1,976.19 | $652.52 | $1,323.68 |
| 01/02/2035 | $109,364.85 | $1,976.19 | $644.81 | $1,331.39 |
| 02/02/2035 | $108,025.70 | $1,976.19 | $637.05 | $1,339.14 |
| 03/02/2035 | $106,678.76 | $1,976.19 | $629.25 | $1,346.94 |
| 04/02/2035 | $105,323.97 | $1,976.19 | $621.40 | $1,354.79 |
| 05/02/2035 | $103,961.29 | $1,976.19 | $613.51 | $1,362.68 |
| 06/02/2035 | $102,590.68 | $1,976.19 | $605.57 | $1,370.62 |
| 07/02/2035 | $101,212.07 | $1,976.19 | $597.59 | $1,378.60 |
| 08/02/2035 | $99,825.44 | $1,976.19 | $589.56 | $1,386.63 |
| 09/02/2035 | $98,430.73 | $1,976.19 | $581.48 | $1,394.71 |
| 10/02/2035 | $97,027.90 | $1,976.19 | $573.36 | $1,402.83 |
| 11/02/2035 | $95,616.89 | $1,976.19 | $565.19 | $1,411.00 |
| 12/02/2035 | $94,197.67 | $1,976.19 | $556.97 | $1,419.22 |
| 01/02/2036 | $92,770.18 | $1,976.19 | $548.70 | $1,427.49 |
| 02/02/2036 | $91,334.37 | $1,976.19 | $540.39 | $1,435.81 |
| 03/02/2036 | $89,890.20 | $1,976.19 | $532.02 | $1,444.17 |
| 04/02/2036 | $88,437.62 | $1,976.19 | $523.61 | $1,452.58 |
| 05/02/2036 | $86,976.58 | $1,976.19 | $515.15 | $1,461.04 |
| 06/02/2036 | $85,507.02 | $1,976.19 | $506.64 | $1,469.55 |
| 07/02/2036 | $84,028.91 | $1,976.19 | $498.08 | $1,478.11 |
| 08/02/2036 | $82,542.19 | $1,976.19 | $489.47 | $1,486.72 |
| 09/02/2036 | $81,046.80 | $1,976.19 | $480.81 | $1,495.38 |
| 10/02/2036 | $79,542.71 | $1,976.19 | $472.10 | $1,504.09 |
| 11/02/2036 | $78,029.85 | $1,976.19 | $463.34 | $1,512.86 |
| 12/02/2036 | $76,508.18 | $1,976.19 | $454.52 | $1,521.67 |
| 01/02/2037 | $74,977.65 | $1,976.19 | $445.66 | $1,530.53 |
| 02/02/2037 | $73,438.20 | $1,976.19 | $436.74 | $1,539.45 |
| 03/02/2037 | $71,889.79 | $1,976.19 | $427.78 | $1,548.41 |
| 04/02/2037 | $70,332.35 | $1,976.19 | $418.76 | $1,557.43 |
| 05/02/2037 | $68,765.85 | $1,976.19 | $409.69 | $1,566.51 |
| 06/02/2037 | $67,190.21 | $1,976.19 | $400.56 | $1,575.63 |
| 07/02/2037 | $65,605.41 | $1,976.19 | $391.38 | $1,584.81 |
| 08/02/2037 | $64,011.36 | $1,976.19 | $382.15 | $1,594.04 |
| 09/02/2037 | $62,408.04 | $1,976.19 | $372.87 | $1,603.33 |
| 10/02/2037 | $60,795.37 | $1,976.19 | $363.53 | $1,612.67 |
| 11/02/2037 | $59,173.31 | $1,976.19 | $354.13 | $1,622.06 |
| 12/02/2037 | $57,541.81 | $1,976.19 | $344.68 | $1,631.51 |
| 01/02/2038 | $55,900.79 | $1,976.19 | $335.18 | $1,641.01 |
| 02/02/2038 | $54,250.22 | $1,976.19 | $325.62 | $1,650.57 |
| 03/02/2038 | $52,590.04 | $1,976.19 | $316.01 | $1,660.18 |
| 04/02/2038 | $50,920.18 | $1,976.19 | $306.34 | $1,669.86 |
| 05/02/2038 | $49,240.60 | $1,976.19 | $296.61 | $1,679.58 |
| 06/02/2038 | $47,551.23 | $1,976.19 | $286.83 | $1,689.37 |
| 07/02/2038 | $45,852.03 | $1,976.19 | $276.99 | $1,699.21 |
| 08/02/2038 | $44,142.92 | $1,976.19 | $267.09 | $1,709.10 |
| 09/02/2038 | $42,423.86 | $1,976.19 | $257.13 | $1,719.06 |
| 10/02/2038 | $40,694.79 | $1,976.19 | $247.12 | $1,729.07 |
| 11/02/2038 | $38,955.65 | $1,976.19 | $237.05 | $1,739.15 |
| 12/02/2038 | $37,206.37 | $1,976.19 | $226.92 | $1,749.28 |
| 01/02/2039 | $35,446.90 | $1,976.19 | $216.73 | $1,759.47 |
| 02/02/2039 | $33,677.19 | $1,976.19 | $206.48 | $1,769.71 |
| 03/02/2039 | $31,897.17 | $1,976.19 | $196.17 | $1,780.02 |
| 04/02/2039 | $30,106.78 | $1,976.19 | $185.80 | $1,790.39 |
| 05/02/2039 | $28,305.96 | $1,976.19 | $175.37 | $1,800.82 |
| 06/02/2039 | $26,494.64 | $1,976.19 | $164.88 | $1,811.31 |
| 07/02/2039 | $24,672.78 | $1,976.19 | $154.33 | $1,821.86 |
| 08/02/2039 | $22,840.31 | $1,976.19 | $143.72 | $1,832.47 |
| 09/02/2039 | $20,997.16 | $1,976.19 | $133.04 | $1,843.15 |
| 10/02/2039 | $19,143.28 | $1,976.19 | $122.31 | $1,853.88 |
| 11/02/2039 | $17,278.60 | $1,976.19 | $111.51 | $1,864.68 |
| 12/02/2039 | $15,403.05 | $1,976.19 | $100.65 | $1,875.54 |
| 01/02/2040 | $13,516.58 | $1,976.19 | $89.72 | $1,886.47 |
| 02/02/2040 | $11,619.12 | $1,976.19 | $78.73 | $1,897.46 |
| 03/02/2040 | $9,710.61 | $1,976.19 | $67.68 | $1,908.51 |
| 04/02/2040 | $7,790.98 | $1,976.19 | $56.56 | $1,919.63 |
| 05/02/2040 | $5,860.17 | $1,976.19 | $45.38 | $1,930.81 |
| 06/02/2040 | $3,918.12 | $1,976.19 | $34.14 | $1,942.06 |
| 07/02/2040 | $1,964.75 | $1,976.19 | $22.82 | $1,953.37 |
| 08/02/2040 | $0.00 | $1,976.19 | $11.44 | $1,964.75 |
| TOTAL: | - | $355,714.64 | $135,714.64 | $220,000.00 |
Change options for different scenario in the form below: