Home Equity Loan product from CITIZENS EQUITY FIRST - Amortization Schedule Calculator

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.

Home Equity product from CITIZENS EQUITY FIRST

Interest Type: Fixed
Interest Rate: 6.990%
Term : 15 Years

Monthly Payment: $ 2,515.15

Date	Principal Balance^?	Monthly Payment^?	Interest^?	Monthly Amortization^?
04/25/2025	$279,115.85	$2,515.15	$1,631.00	$884.15
05/25/2025	$278,226.54	$2,515.15	$1,625.85	$889.30
06/25/2025	$277,332.06	$2,515.15	$1,620.67	$894.48
07/25/2025	$276,432.36	$2,515.15	$1,615.46	$899.69
08/25/2025	$275,527.43	$2,515.15	$1,610.22	$904.94
09/25/2025	$274,617.22	$2,515.15	$1,604.95	$910.21
10/25/2025	$273,701.71	$2,515.15	$1,599.65	$915.51
11/25/2025	$272,780.87	$2,515.15	$1,594.31	$920.84
12/25/2025	$271,854.66	$2,515.15	$1,588.95	$926.21
01/25/2026	$270,923.06	$2,515.15	$1,583.55	$931.60
02/25/2026	$269,986.04	$2,515.15	$1,578.13	$937.03
03/25/2026	$269,043.55	$2,515.15	$1,572.67	$942.49
04/25/2026	$268,095.58	$2,515.15	$1,567.18	$947.98
05/25/2026	$267,142.08	$2,515.15	$1,561.66	$953.50
06/25/2026	$266,183.03	$2,515.15	$1,556.10	$959.05
07/25/2026	$265,218.39	$2,515.15	$1,550.52	$964.64
08/25/2026	$264,248.13	$2,515.15	$1,544.90	$970.26
09/25/2026	$263,272.22	$2,515.15	$1,539.25	$975.91
10/25/2026	$262,290.63	$2,515.15	$1,533.56	$981.59
11/25/2026	$261,303.32	$2,515.15	$1,527.84	$987.31
12/25/2026	$260,310.26	$2,515.15	$1,522.09	$993.06
01/25/2027	$259,311.41	$2,515.15	$1,516.31	$998.85
02/25/2027	$258,306.75	$2,515.15	$1,510.49	$1,004.67
03/25/2027	$257,296.23	$2,515.15	$1,504.64	$1,010.52
04/25/2027	$256,279.83	$2,515.15	$1,498.75	$1,016.40
05/25/2027	$255,257.50	$2,515.15	$1,492.83	$1,022.32
06/25/2027	$254,229.22	$2,515.15	$1,486.87	$1,028.28
07/25/2027	$253,194.95	$2,515.15	$1,480.89	$1,034.27
08/25/2027	$252,154.66	$2,515.15	$1,474.86	$1,040.29
09/25/2027	$251,108.31	$2,515.15	$1,468.80	$1,046.35
10/25/2027	$250,055.86	$2,515.15	$1,462.71	$1,052.45
11/25/2027	$248,997.28	$2,515.15	$1,456.58	$1,058.58
12/25/2027	$247,932.54	$2,515.15	$1,450.41	$1,064.74
01/25/2028	$246,861.59	$2,515.15	$1,444.21	$1,070.95
02/25/2028	$245,784.40	$2,515.15	$1,437.97	$1,077.19
03/25/2028	$244,700.94	$2,515.15	$1,431.69	$1,083.46
04/25/2028	$243,611.17	$2,515.15	$1,425.38	$1,089.77
05/25/2028	$242,515.05	$2,515.15	$1,419.04	$1,096.12
06/25/2028	$241,412.55	$2,515.15	$1,412.65	$1,102.50
07/25/2028	$240,303.62	$2,515.15	$1,406.23	$1,108.93
08/25/2028	$239,188.24	$2,515.15	$1,399.77	$1,115.39
09/25/2028	$238,066.36	$2,515.15	$1,393.27	$1,121.88
10/25/2028	$236,937.94	$2,515.15	$1,386.74	$1,128.42
11/25/2028	$235,802.95	$2,515.15	$1,380.16	$1,134.99
12/25/2028	$234,661.35	$2,515.15	$1,373.55	$1,141.60
01/25/2029	$233,513.09	$2,515.15	$1,366.90	$1,148.25
02/25/2029	$232,358.15	$2,515.15	$1,360.21	$1,154.94
03/25/2029	$231,196.49	$2,515.15	$1,353.49	$1,161.67
04/25/2029	$230,028.05	$2,515.15	$1,346.72	$1,168.43
05/25/2029	$228,852.81	$2,515.15	$1,339.91	$1,175.24
06/25/2029	$227,670.72	$2,515.15	$1,333.07	$1,182.09
07/25/2029	$226,481.75	$2,515.15	$1,326.18	$1,188.97
08/25/2029	$225,285.85	$2,515.15	$1,319.26	$1,195.90
09/25/2029	$224,082.99	$2,515.15	$1,312.29	$1,202.86
10/25/2029	$222,873.12	$2,515.15	$1,305.28	$1,209.87
11/25/2029	$221,656.20	$2,515.15	$1,298.24	$1,216.92
12/25/2029	$220,432.20	$2,515.15	$1,291.15	$1,224.01
01/25/2030	$219,201.06	$2,515.15	$1,284.02	$1,231.14
02/25/2030	$217,962.75	$2,515.15	$1,276.85	$1,238.31
03/25/2030	$216,717.23	$2,515.15	$1,269.63	$1,245.52
04/25/2030	$215,464.45	$2,515.15	$1,262.38	$1,252.78
05/25/2030	$214,204.38	$2,515.15	$1,255.08	$1,260.07
06/25/2030	$212,936.97	$2,515.15	$1,247.74	$1,267.41
07/25/2030	$211,662.17	$2,515.15	$1,240.36	$1,274.80
08/25/2030	$210,379.95	$2,515.15	$1,232.93	$1,282.22
09/25/2030	$209,090.26	$2,515.15	$1,225.46	$1,289.69
10/25/2030	$207,793.05	$2,515.15	$1,217.95	$1,297.20
11/25/2030	$206,488.30	$2,515.15	$1,210.39	$1,304.76
12/25/2030	$205,175.94	$2,515.15	$1,202.79	$1,312.36
01/25/2031	$203,855.93	$2,515.15	$1,195.15	$1,320.00
02/25/2031	$202,528.24	$2,515.15	$1,187.46	$1,327.69
03/25/2031	$201,192.81	$2,515.15	$1,179.73	$1,335.43
04/25/2031	$199,849.61	$2,515.15	$1,171.95	$1,343.21
05/25/2031	$198,498.58	$2,515.15	$1,164.12	$1,351.03
06/25/2031	$197,139.68	$2,515.15	$1,156.25	$1,358.90
07/25/2031	$195,772.86	$2,515.15	$1,148.34	$1,366.82
08/25/2031	$194,398.08	$2,515.15	$1,140.38	$1,374.78
09/25/2031	$193,015.30	$2,515.15	$1,132.37	$1,382.79
10/25/2031	$191,624.46	$2,515.15	$1,124.31	$1,390.84
11/25/2031	$190,225.52	$2,515.15	$1,116.21	$1,398.94
12/25/2031	$188,818.43	$2,515.15	$1,108.06	$1,407.09
01/25/2032	$187,403.14	$2,515.15	$1,099.87	$1,415.29
02/25/2032	$185,979.61	$2,515.15	$1,091.62	$1,423.53
03/25/2032	$184,547.79	$2,515.15	$1,083.33	$1,431.82
04/25/2032	$183,107.62	$2,515.15	$1,074.99	$1,440.16
05/25/2032	$181,659.07	$2,515.15	$1,066.60	$1,448.55
06/25/2032	$180,202.08	$2,515.15	$1,058.16	$1,456.99
07/25/2032	$178,736.60	$2,515.15	$1,049.68	$1,465.48
08/25/2032	$177,262.59	$2,515.15	$1,041.14	$1,474.01
09/25/2032	$175,779.99	$2,515.15	$1,032.55	$1,482.60
10/25/2032	$174,288.76	$2,515.15	$1,023.92	$1,491.24
11/25/2032	$172,788.83	$2,515.15	$1,015.23	$1,499.92
12/25/2032	$171,280.17	$2,515.15	$1,006.49	$1,508.66
01/25/2033	$169,762.73	$2,515.15	$997.71	$1,517.45
02/25/2033	$168,236.44	$2,515.15	$988.87	$1,526.29
03/25/2033	$166,701.26	$2,515.15	$979.98	$1,535.18
04/25/2033	$165,157.15	$2,515.15	$971.03	$1,544.12
05/25/2033	$163,604.03	$2,515.15	$962.04	$1,553.11
06/25/2033	$162,041.87	$2,515.15	$952.99	$1,562.16
07/25/2033	$160,470.61	$2,515.15	$943.89	$1,571.26
08/25/2033	$158,890.20	$2,515.15	$934.74	$1,580.41
09/25/2033	$157,300.58	$2,515.15	$925.54	$1,589.62
10/25/2033	$155,701.70	$2,515.15	$916.28	$1,598.88
11/25/2033	$154,093.51	$2,515.15	$906.96	$1,608.19
12/25/2033	$152,475.95	$2,515.15	$897.59	$1,617.56
01/25/2034	$150,848.97	$2,515.15	$888.17	$1,626.98
02/25/2034	$149,212.51	$2,515.15	$878.70	$1,636.46
03/25/2034	$147,566.52	$2,515.15	$869.16	$1,645.99
04/25/2034	$145,910.94	$2,515.15	$859.57	$1,655.58
05/25/2034	$144,245.72	$2,515.15	$849.93	$1,665.22
06/25/2034	$142,570.79	$2,515.15	$840.23	$1,674.92
07/25/2034	$140,886.12	$2,515.15	$830.47	$1,684.68
08/25/2034	$139,191.62	$2,515.15	$820.66	$1,694.49
09/25/2034	$137,487.26	$2,515.15	$810.79	$1,704.36
10/25/2034	$135,772.97	$2,515.15	$800.86	$1,714.29
11/25/2034	$134,048.69	$2,515.15	$790.88	$1,724.28
12/25/2034	$132,314.37	$2,515.15	$780.83	$1,734.32
01/25/2035	$130,569.95	$2,515.15	$770.73	$1,744.42
02/25/2035	$128,815.37	$2,515.15	$760.57	$1,754.58
03/25/2035	$127,050.56	$2,515.15	$750.35	$1,764.80
04/25/2035	$125,275.48	$2,515.15	$740.07	$1,775.08
05/25/2035	$123,490.05	$2,515.15	$729.73	$1,785.42
06/25/2035	$121,694.23	$2,515.15	$719.33	$1,795.82
07/25/2035	$119,887.94	$2,515.15	$708.87	$1,806.29
08/25/2035	$118,071.14	$2,515.15	$698.35	$1,816.81
09/25/2035	$116,243.75	$2,515.15	$687.76	$1,827.39
10/25/2035	$114,405.71	$2,515.15	$677.12	$1,838.03
11/25/2035	$112,556.97	$2,515.15	$666.41	$1,848.74
12/25/2035	$110,697.46	$2,515.15	$655.64	$1,859.51
01/25/2036	$108,827.12	$2,515.15	$644.81	$1,870.34
02/25/2036	$106,945.88	$2,515.15	$633.92	$1,881.24
03/25/2036	$105,053.69	$2,515.15	$622.96	$1,892.19
04/25/2036	$103,150.47	$2,515.15	$611.94	$1,903.22
05/25/2036	$101,236.17	$2,515.15	$600.85	$1,914.30
06/25/2036	$99,310.72	$2,515.15	$589.70	$1,925.45
07/25/2036	$97,374.05	$2,515.15	$578.48	$1,936.67
08/25/2036	$95,426.10	$2,515.15	$567.20	$1,947.95
09/25/2036	$93,466.80	$2,515.15	$555.86	$1,959.30
10/25/2036	$91,496.09	$2,515.15	$544.44	$1,970.71
11/25/2036	$89,513.90	$2,515.15	$532.96	$1,982.19
12/25/2036	$87,520.17	$2,515.15	$521.42	$1,993.74
01/25/2037	$85,514.82	$2,515.15	$509.80	$2,005.35
02/25/2037	$83,497.79	$2,515.15	$498.12	$2,017.03
03/25/2037	$81,469.01	$2,515.15	$486.37	$2,028.78
04/25/2037	$79,428.41	$2,515.15	$474.56	$2,040.60
05/25/2037	$77,375.93	$2,515.15	$462.67	$2,052.48
06/25/2037	$75,311.49	$2,515.15	$450.71	$2,064.44
07/25/2037	$73,235.02	$2,515.15	$438.69	$2,076.46
08/25/2037	$71,146.46	$2,515.15	$426.59	$2,088.56
09/25/2037	$69,045.74	$2,515.15	$414.43	$2,100.73
10/25/2037	$66,932.78	$2,515.15	$402.19	$2,112.96
11/25/2037	$64,807.51	$2,515.15	$389.88	$2,125.27
12/25/2037	$62,669.86	$2,515.15	$377.50	$2,137.65
01/25/2038	$60,519.75	$2,515.15	$365.05	$2,150.10
02/25/2038	$58,357.13	$2,515.15	$352.53	$2,162.63
03/25/2038	$56,181.90	$2,515.15	$339.93	$2,175.22
04/25/2038	$53,994.01	$2,515.15	$327.26	$2,187.89
05/25/2038	$51,793.37	$2,515.15	$314.52	$2,200.64
06/25/2038	$49,579.91	$2,515.15	$301.70	$2,213.46
07/25/2038	$47,353.56	$2,515.15	$288.80	$2,226.35
08/25/2038	$45,114.24	$2,515.15	$275.83	$2,239.32
09/25/2038	$42,861.88	$2,515.15	$262.79	$2,252.36
10/25/2038	$40,596.39	$2,515.15	$249.67	$2,265.48
11/25/2038	$38,317.71	$2,515.15	$236.47	$2,278.68
12/25/2038	$36,025.76	$2,515.15	$223.20	$2,291.95
01/25/2039	$33,720.46	$2,515.15	$209.85	$2,305.30
02/25/2039	$31,401.72	$2,515.15	$196.42	$2,318.73
03/25/2039	$29,069.49	$2,515.15	$182.92	$2,332.24
04/25/2039	$26,723.66	$2,515.15	$169.33	$2,345.82
05/25/2039	$24,364.17	$2,515.15	$155.67	$2,359.49
06/25/2039	$21,990.94	$2,515.15	$141.92	$2,373.23
07/25/2039	$19,603.88	$2,515.15	$128.10	$2,387.06
08/25/2039	$17,202.92	$2,515.15	$114.19	$2,400.96
09/25/2039	$14,787.98	$2,515.15	$100.21	$2,414.95
10/25/2039	$12,358.96	$2,515.15	$86.14	$2,429.01
11/25/2039	$9,915.80	$2,515.15	$71.99	$2,443.16
12/25/2039	$7,458.40	$2,515.15	$57.76	$2,457.39
01/25/2040	$4,986.69	$2,515.15	$43.45	$2,471.71
02/25/2040	$2,500.59	$2,515.15	$29.05	$2,486.11
03/25/2040	$0.00	$2,515.15	$14.57	$2,500.59
TOTAL:	-	$452,727.72	$172,727.72	$280,000.00

Change options for different scenario in the form below:

Featured Maryland Home Equity Rates 2025

Lender	APR (%)^?	Learn More
New American Funding, LLC	Cash-Out and Home Equity Options Available.	Learn More
Competitive Rates for FICO Scores 580-679 366k+ positive reviews, A rating from the BBB Pay off higher interest rate credit cards, Pay college tuition 100% online mortgage application available More Info
Cash-Out and Home Equity Options Available.
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
Upstart	As low as 6.3% APR on your initial draw*	Learn More
As low as 6.3% APR on your initial draw* Get your money up to 6x faster than the industry standard* Fixed rate on each draw* No paperwork needed to apply More Info
1. APRs for initial advances range from 6.3% to 18.00% based on funded HELOCs as of September 2024. Your actual rate will depend on many factors such as your credit history, loan-to-value ratio, line amount, loan term, lien position, and property state. The lowest rates are only available to the most qualified applicants. The APR is variable, but the APR that will apply to each draw will be fixed on the date the draw is made. 2. As of October 2024, 10% of funded HELOCs achieved a closing timeline of 6 days or less and a funding timeline of 10 days or less. This timeline assumes consumers close with our remote online notary, provide supporting documentation promptly, and ensure the information provided is accurate and consistent with our verification process. Delays, discrepancies, and other unforeseen factors may impact the closing timeline. MBA’s 2024 Home Lending Study reports an average industry closing time of 31 days. 3. A Home Equity Line of Credit has a variable rate. The APR may change, but the APR that will apply to each draw will be fixed on the date the draw is made. Your APR will be the Prime Rate at the time of draw plus a margin fixed for the life of the HELOC.
Point Digital Finance	Get up to $500k with no monthly payments, ever.	Learn More
No income requirements or need for perfect credit Your home wealth, to use your way Find out if you qualify in as little as 60 seconds Home Equity Investments are not considered a loan in all states More Info
Pointʼs Home Equity Investment (HEI) is an entirely new way to unlock your homeʼs wealth. Point partners with and invests alongside the homeowner in the property. Subject to underwriting approval, Point will pay you an upfront, lump sum amount in exchange for a portion of your home’s future appreciation. Future appreciation is based on using the risk adjusted Appreciation Starting Value and calculating any gain or loss based on the final appraised value of your home at the time of exit. Point charges up to a 3.9% processing fee (subject to a $2,000 minimum) and other third party paid closing costs such as appraisal, escrow, and government fees. The term is 30 years. Point will place a lien on your home to secure performance of the underlying agreement. There are no monthly payments or interest accrual. Homeowner’s repayment amount is based on the future value of the subject property at the time of exit, as outlined in the underlying agreement.
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 CITIZENS EQUITY FIRST - Amortization Schedule Calculator

Home Equity product from CITIZENS EQUITY FIRST

Featured Maryland Home Equity Rates 2025

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