Mortgage Balance at end of Each Year
           5% APR, 30-Year, $100000 Principal
Year Cumulative Cumulative Balance
Payments Principal
5% 0  $ 100,000.00 $100,000.00
1 $6,591.56  $ 105,116.19 $98,524.63
2 $13,520.35  $ 110,494.13 $96,973.79
3 $20,803.63  $ 116,147.22 $95,343.59
4 $28,459.54  $ 122,089.54 $93,630.00
5 $36,507.14  $ 128,335.87 $91,828.73
6 $44,966.47  $ 134,901.77 $89,935.31
7 $53,858.59  $ 141,803.61 $87,945.02
8 $63,205.65  $ 149,058.55 $85,852.89
9 $73,030.93  $ 156,684.66 $83,653.74
10 $83,358.89  $ 164,700.95 $81,342.06
11 $94,215.24  $ 173,127.36 $78,912.12
12 $105,627.02  $ 181,984.89 $76,357.86
13 $117,622.66  $ 191,295.58 $73,672.92
14 $130,232.01  $ 201,082.62 $70,850.61
15 $143,486.48  $ 211,370.39 $67,883.91
16 $157,419.08  $ 222,184.50 $64,765.42
17 $172,064.49  $ 233,551.88 $61,487.39
18 $187,459.20  $ 245,500.84 $58,041.65
19 $203,641.52  $ 258,061.13 $54,419.61
20 $220,651.76  $ 271,264.03 $50,612.27
21 $238,532.28  $ 285,142.41 $46,610.13
22 $257,327.60  $ 299,730.84 $42,403.24
23 $277,084.52  $ 315,065.64 $37,981.11
24 $297,852.25  $ 331,184.99 $33,332.75
25 $319,682.49  $ 348,129.05 $28,446.56
26 $342,629.61  $ 365,939.99 $23,310.38
27 $366,750.74  $ 384,662.17 $17,911.43
28 $392,105.96  $ 404,342.22 $12,236.26
29 $418,758.40  $ 425,029.13 $6,270.73
30 $446,774.43  $ 446,774.43 $0.00