Home Equity Loan product from Farmers Bank of Kansas City - Amortization Schedule Calculator

Use the calculator below to calculate your monthly home equity payment for the loan from Farmers Bank of Kansas City. 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.

Home Equity product from Farmers Bank of Kansas City

Equal Housing Lender

Product Total Termlength: 10 Years
Interest Rate: 8.75%

Customized Rate Quote
24/7 Online Borrower Portal
Streamlined Online Application
Up to 100% LTV

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Monthly Payment: $ 4,010.46

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
07/28/2025	$318,322.88	$4,010.46	$2,333.33	$1,677.12
08/28/2025	$316,633.53	$4,010.46	$2,321.10	$1,689.35
09/28/2025	$314,931.86	$4,010.46	$2,308.79	$1,701.67
10/28/2025	$313,217.78	$4,010.46	$2,296.38	$1,714.08
11/28/2025	$311,491.20	$4,010.46	$2,283.88	$1,726.58
12/28/2025	$309,752.04	$4,010.46	$2,271.29	$1,739.17
01/28/2026	$308,000.19	$4,010.46	$2,258.61	$1,751.85
02/28/2026	$306,235.57	$4,010.46	$2,245.83	$1,764.62
03/28/2026	$304,458.08	$4,010.46	$2,232.97	$1,777.49
04/28/2026	$302,667.63	$4,010.46	$2,220.01	$1,790.45
05/28/2026	$300,864.12	$4,010.46	$2,206.95	$1,803.50
06/28/2026	$299,047.47	$4,010.46	$2,193.80	$1,816.66
07/28/2026	$297,217.57	$4,010.46	$2,180.55	$1,829.90
08/28/2026	$295,374.32	$4,010.46	$2,167.21	$1,843.24
09/28/2026	$293,517.64	$4,010.46	$2,153.77	$1,856.68
10/28/2026	$291,647.42	$4,010.46	$2,140.23	$1,870.22
11/28/2026	$289,763.55	$4,010.46	$2,126.60	$1,883.86
12/28/2026	$287,865.96	$4,010.46	$2,112.86	$1,897.60
01/28/2027	$285,954.52	$4,010.46	$2,099.02	$1,911.43
02/28/2027	$284,029.15	$4,010.46	$2,085.09	$1,925.37
03/28/2027	$282,089.74	$4,010.46	$2,071.05	$1,939.41
04/28/2027	$280,136.19	$4,010.46	$2,056.90	$1,953.55
05/28/2027	$278,168.40	$4,010.46	$2,042.66	$1,967.80
06/28/2027	$276,186.25	$4,010.46	$2,028.31	$1,982.14
07/28/2027	$274,189.65	$4,010.46	$2,013.86	$1,996.60
08/28/2027	$272,178.50	$4,010.46	$1,999.30	$2,011.16
09/28/2027	$270,152.68	$4,010.46	$1,984.63	$2,025.82
10/28/2027	$268,112.08	$4,010.46	$1,969.86	$2,040.59
11/28/2027	$266,056.61	$4,010.46	$1,954.98	$2,055.47
12/28/2027	$263,986.15	$4,010.46	$1,940.00	$2,070.46
01/28/2028	$261,900.59	$4,010.46	$1,924.90	$2,085.56
02/28/2028	$259,799.83	$4,010.46	$1,909.69	$2,100.76
03/28/2028	$257,683.75	$4,010.46	$1,894.37	$2,116.08
04/28/2028	$255,552.24	$4,010.46	$1,878.94	$2,131.51
05/28/2028	$253,405.18	$4,010.46	$1,863.40	$2,147.05
06/28/2028	$251,242.47	$4,010.46	$1,847.75	$2,162.71
07/28/2028	$249,063.99	$4,010.46	$1,831.98	$2,178.48
08/28/2028	$246,869.63	$4,010.46	$1,816.09	$2,194.36
09/28/2028	$244,659.26	$4,010.46	$1,800.09	$2,210.36
10/28/2028	$242,432.78	$4,010.46	$1,783.97	$2,226.48
11/28/2028	$240,190.06	$4,010.46	$1,767.74	$2,242.72
12/28/2028	$237,930.99	$4,010.46	$1,751.39	$2,259.07
01/28/2029	$235,655.45	$4,010.46	$1,734.91	$2,275.54
02/28/2029	$233,363.32	$4,010.46	$1,718.32	$2,292.14
03/28/2029	$231,054.47	$4,010.46	$1,701.61	$2,308.85
04/28/2029	$228,728.78	$4,010.46	$1,684.77	$2,325.68
05/28/2029	$226,386.14	$4,010.46	$1,667.81	$2,342.64
06/28/2029	$224,026.42	$4,010.46	$1,650.73	$2,359.72
07/28/2029	$221,649.49	$4,010.46	$1,633.53	$2,376.93
08/28/2029	$219,255.23	$4,010.46	$1,616.19	$2,394.26
09/28/2029	$216,843.51	$4,010.46	$1,598.74	$2,411.72
10/28/2029	$214,414.20	$4,010.46	$1,581.15	$2,429.31
11/28/2029	$211,967.18	$4,010.46	$1,563.44	$2,447.02
12/28/2029	$209,502.32	$4,010.46	$1,545.59	$2,464.86
01/28/2030	$207,019.48	$4,010.46	$1,527.62	$2,482.83
02/28/2030	$204,518.54	$4,010.46	$1,509.52	$2,500.94
03/28/2030	$201,999.37	$4,010.46	$1,491.28	$2,519.17
04/28/2030	$199,461.83	$4,010.46	$1,472.91	$2,537.54
05/28/2030	$196,905.78	$4,010.46	$1,454.41	$2,556.05
06/28/2030	$194,331.09	$4,010.46	$1,435.77	$2,574.68
07/28/2030	$191,737.64	$4,010.46	$1,417.00	$2,593.46
08/28/2030	$189,125.27	$4,010.46	$1,398.09	$2,612.37
09/28/2030	$186,493.85	$4,010.46	$1,379.04	$2,631.42
10/28/2030	$183,843.24	$4,010.46	$1,359.85	$2,650.61
11/28/2030	$181,173.31	$4,010.46	$1,340.52	$2,669.93
12/28/2030	$178,483.91	$4,010.46	$1,321.06	$2,689.40
01/28/2031	$175,774.90	$4,010.46	$1,301.45	$2,709.01
02/28/2031	$173,046.14	$4,010.46	$1,281.69	$2,728.76
03/28/2031	$170,297.47	$4,010.46	$1,261.79	$2,748.66
04/28/2031	$167,528.77	$4,010.46	$1,241.75	$2,768.70
05/28/2031	$164,739.88	$4,010.46	$1,221.56	$2,788.89
06/28/2031	$161,930.65	$4,010.46	$1,201.23	$2,809.23
07/28/2031	$159,100.94	$4,010.46	$1,180.74	$2,829.71
08/28/2031	$156,250.59	$4,010.46	$1,160.11	$2,850.34
09/28/2031	$153,379.47	$4,010.46	$1,139.33	$2,871.13
10/28/2031	$150,487.40	$4,010.46	$1,118.39	$2,892.06
11/28/2031	$147,574.25	$4,010.46	$1,097.30	$2,913.15
12/28/2031	$144,639.86	$4,010.46	$1,076.06	$2,934.39
01/28/2032	$141,684.07	$4,010.46	$1,054.67	$2,955.79
02/28/2032	$138,706.72	$4,010.46	$1,033.11	$2,977.34
03/28/2032	$135,707.67	$4,010.46	$1,011.40	$2,999.05
04/28/2032	$132,686.75	$4,010.46	$989.54	$3,020.92
05/28/2032	$129,643.80	$4,010.46	$967.51	$3,042.95
06/28/2032	$126,578.66	$4,010.46	$945.32	$3,065.14
07/28/2032	$123,491.18	$4,010.46	$922.97	$3,087.49
08/28/2032	$120,381.18	$4,010.46	$900.46	$3,110.00
09/28/2032	$117,248.50	$4,010.46	$877.78	$3,132.68
10/28/2032	$114,092.98	$4,010.46	$854.94	$3,155.52
11/28/2032	$110,914.45	$4,010.46	$831.93	$3,178.53
12/28/2032	$107,712.75	$4,010.46	$808.75	$3,201.70
01/28/2033	$104,487.70	$4,010.46	$785.41	$3,225.05
02/28/2033	$101,239.13	$4,010.46	$761.89	$3,248.57
03/28/2033	$97,966.88	$4,010.46	$738.20	$3,272.25
04/28/2033	$94,670.76	$4,010.46	$714.34	$3,296.11
05/28/2033	$91,350.62	$4,010.46	$690.31	$3,320.15
06/28/2033	$88,006.26	$4,010.46	$666.10	$3,344.36
07/28/2033	$84,637.51	$4,010.46	$641.71	$3,368.74
08/28/2033	$81,244.21	$4,010.46	$617.15	$3,393.31
09/28/2033	$77,826.16	$4,010.46	$592.41	$3,418.05
10/28/2033	$74,383.18	$4,010.46	$567.48	$3,442.97
11/28/2033	$70,915.10	$4,010.46	$542.38	$3,468.08
12/28/2033	$67,421.74	$4,010.46	$517.09	$3,493.37
01/28/2034	$63,902.90	$4,010.46	$491.62	$3,518.84
02/28/2034	$60,358.40	$4,010.46	$465.96	$3,544.50
03/28/2034	$56,788.06	$4,010.46	$440.11	$3,570.34
04/28/2034	$53,191.68	$4,010.46	$414.08	$3,596.38
05/28/2034	$49,569.08	$4,010.46	$387.86	$3,622.60
06/28/2034	$45,920.07	$4,010.46	$361.44	$3,649.01
07/28/2034	$42,244.44	$4,010.46	$334.83	$3,675.62
08/28/2034	$38,542.02	$4,010.46	$308.03	$3,702.42
09/28/2034	$34,812.60	$4,010.46	$281.04	$3,729.42
10/28/2034	$31,055.99	$4,010.46	$253.84	$3,756.61
11/28/2034	$27,271.98	$4,010.46	$226.45	$3,784.01
12/28/2034	$23,460.38	$4,010.46	$198.86	$3,811.60
01/28/2035	$19,620.99	$4,010.46	$171.07	$3,839.39
02/28/2035	$15,753.61	$4,010.46	$143.07	$3,867.39
03/28/2035	$11,858.02	$4,010.46	$114.87	$3,895.59
04/28/2035	$7,934.03	$4,010.46	$86.46	$3,923.99
05/28/2035	$3,981.42	$4,010.46	$57.85	$3,952.60
06/28/2035	$0.00	$4,010.46	$29.03	$3,981.42
TOTAL:	-	$481,254.72	$161,254.72	$320,000.00

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Featured New York Home Equity Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Agave Home Loans Equal Housing Lender	8.625 % %	$624	Learn More
Low Rates and Great Service Earned Us 1200+ 5-Star Reviews and A+ BBB Rating More Info
This closed-end, fully amortizing home equity loan offers repayment terms from 15 to 30 years. The Annual Percentage Rate (APR) typically ranges from approximately 7.75% to 13.00%, depending on factors such as credit qualifications, loan-to-value ratio, property type, and market conditions. Origination fees of about 2% to 4% of the loan amount (potentially higher) may apply, and additional closing costs and fees may be required; these will be disclosed in your loan estimate. Minimum loan size of $50,000. All loan applications are subject to credit approval and formal underwriting, and product availability may vary based on property location, state restrictions, and other eligibility criteria. Rates and terms are for illustrative purposes only and are subject to change without notice; this is not a commitment to lend or an offer of credit. Homeowners insurance is required, and flood insurance may be required if the property is located in a Special Flood Hazard Area. Your home secures this loan, and you could lose your property if you fail to make payments. The maximum APR will not exceed the maximum permitted by law in your jurisdiction, and minimum and maximum loan amounts may apply. All information is provided “as is” without warranty of any kind. The lender assumes no liability for errors or omissions and reserves the right to modify or discontinue products at any time without prior notice.
Farmers Bank of Kansas City Equal Housing Lender	8.750 % %	$627	Learn More
Customized Rate Quote 24/7 Online Borrower Portal Streamlined Online Application Up to 100% LTV More Info
This is not a pre-approval or an offer of credit. This is an invitation to apply, and in order to qualify for a loan you must meet our credit and other requirements. Applicants are required to provide a current and valid completed application, proof of income, mortgage statement, property hazard insurance, and a photo ID. Approval is contingent upon a full application and is not guaranteed. We will not extend credit if we cannot verify that your credit profile, debt, income, identity, property value, home equity, and title meet our underwriting criteria. Loan terms, rates, and fees are subject to change. Rates and terms may vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms. These results are for informational purposes only. Farmers Bank of Kansas City’s Home Equity Line of Credit (HELOC) has a 20-year repayment term. The first 10 years will be the Draw period with the interest rate based on the Prime Rate published by the Wall Street Journal plus a margin and allows for an interest only payment to be made during the draw period. If a balance is owed after the draw period concludes, the interest rate will become fixed for the remaining 10 years and will be based upon the Prime Rate published by the Wall Street Journal plus a margin. The HELOC interest rate will not go below 5% or higher than 18%. The minimum line amount offered is $25,000 and the maximum line amount offered is $350,000. The minimum draw amount required is $25,000 or half of the maximum line amount, whichever is greater. A HELOC requires you to pledge your home as collateral, and you could lose your home if you fail to repay. Offers, rates and fees are subject to change without notice. Repayment begins approximately 30 calendar days after funding. Farmers Bank of Kansas City also offers a fixed rate Home Equity Loan (HELOAN). Rates vary and depend on credit score, CLTV (combined loan-to-value), property type, occupancy and loan terms.
Owning.com	Find what’s best for you: HELOC, Home Equity Loan, Cash Out Refi		Learn More
Apply in 5 minutes, get your money in as fast as 5 days. Digital application experience. Funds directly to your bank account. No in-person appraisal needed. More Info
Owning is a division of Guaranteed Rate, Inc, NMLS #2611 Headquarters: 3940 N Ravenswood, Chicago IL 60613. A Guaranteed Rate HELOC is secured with your home as collateral, whereas personal loans and credit cards are not. To check the rates and terms you qualify for, we will conduct a soft credit pull that will not affect your credit score. However, if you continue and submit an application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. Approval may be granted in five minutes but is ultimately subject to verification of income and employment, as well as verification that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing. Guaranteed Rate Home Equity Line is an open-end product where the full loan amount (minus lender, broker, third party, and government fees, as applicable) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw.
Unlock Technologies, Inc.	Get cash now in exchange for a percentage of your homes future equity.		Learn More
No monthly payments or interest charges Minimum Credit score: 500 Access up to $500k No need to refinance More Info
Unlock isn't a lender & doesn't offer loans, so you don't need perfect credit to apply! No Additional Debt!
AmeriSave Mortgage Corporation	Home Equity Loans & Refinance – Cash out		Learn More
Home Equity Loans & Refinance – Cash out Customized rate quote with no impact to credit Low Rates, Quick Approvals, Wide Range of Products Over 100 Billion Funded. 22 Years in Business More Info
• Home Equity Loans & Refinance – Cash out • Customized rate quote with no impact to credit • Low Rates, Quick Approvals, Wide Range of Products • Over 100 Billion Funded. 22 Years in Business
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Home Equity Loan product from Farmers Bank of Kansas City - Amortization Schedule Calculator

Home Equity product from Farmers Bank of Kansas City

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