Mortgage amortization

Description

For all answers, enter a number with two decimal places but no dollar signs or commas.
You should write down the total interest paid for each scenario so you can complete the required calculations.

Scenario 1: Imagine that you are a first-time home buyer. You find a nice home in a good location for $200,000. You have a down payment of 20% (which is $40,000) and you decide on a 30-year fixed rate loan. This means that you need to borrow $160,000. You shop around and learn that you qualify for an interest rate of 4.5%. Your monthly mortgage payments will begin next year on January 1st. Use the loan amortization Excel sheet to answer the questions by entering the above amounts indicated in each question in cells D5-D8.

From cell H5 in the Excel file, your scheduled monthly payment on a $160,000 loan at 4.5% over 30 years will be . From row 18 in the Excel file, look at the first payment you’ll make. of the payment goes toward interest while goes toward principal.

Over the entire term of the loan, the total interest that will be made from all the payments will be . (see cell H9) To find the total cost of the home, add your down payment, the amount you borrowed in the loan, and the total interest paid on the mortgage. The total cost of the home is .

Scenario 2: You decide you want to buy some new furniture and carpeting when you first purchase your new home, which means you are only able to make a down payment of 10% rather than 20%. This means you are now putting a down payment of $20,000 on the $200,000 home, and you need to borrow $180,000. Change the loan amortization schedule so that you now take out a loan for $180,000. You still have a fixed interest rate of 4.5% on a 30 year loan.

From cell H5 in the Excel file, your scheduled monthly payment will be on a $180,000 loan at 4.5% over 30 years. Over the entire term of the loan, the total interest that will be made from all the payments will be . (see cell H9) To find the total cost of the home, add your down payment, the amount you borrowed in the loan, and the total interest paid on the mortgage. The total cost of the home is . Compare the total interest paid with 20% down (Scenario 1) to the total interest paid with 10% down (Scenario 2). You will pay more interest under Scenario 2 with a smaller down payment.

Scenario 3: Your credit score recently went up, allowing you to qualify for a lower interest rate. You now have a 3.5% fixed interest rate on a 30 year loan, and you decide you want to put 20% down. Change the loan amortization schedule so that you now take out a loan for $160,000 with a fixed interest rate of 3.5% on a 30 year loan.

From cell H5 in the Excel file, your scheduled monthly payment will be on a $160,000 loan at 3.5% over 30 years. Over the entire term of the loan, the total interest that will be made from all the payments will be . (see cell H9) Compare the total interest paid with a 4.5% interest rate (Scenario 1) to the total interest paid with a 3.5% interest rate (Scenario 3). You will pay less interest under Scenario 3 with a lower rate.

Scenario 4: Your credit score recently went down, requiring you to pay a higher interest rate. You now have a 5.5% fixed interest rate on a 30 year loan, and you decide you want to put 20% down. Change the loan amortization schedule so that you now take out a loan for $160,000 with a fixed interest rate of 5.5% on a 30 year loan.

From cell H5 in the Excel file, your scheduled monthly payment will be on a $160,000 loan at 5.5% over 30 years. Over the entire term of the loan, the total interest that will be made from all the payments will be . (see cell H9) Compare the total interest paid with a 4.5% interest rate (Scenario 1) to the total interest paid with a 5.5% interest rate (Scenario 4). You will pay more interest under Scenario 4 with a higher rate.

Scenario 5: Seeing how much interest you end up paying with a 30 year loan, you decide you want a 15 year loan instead. Change the loan amortization schedule so that you now take out a loan for $160,000 with a fixed interest rate of 4.5% on a 15 year loan.

From cell H5 in the Excel file, your scheduled monthly payment will be on a $160,000 loan at 4.5% over 15 years. Over the entire term of the loan, the total interest that will be made from all the payments will be . (see cell H9) Compare the total interest paid with a 30 year loan (Scenario 1) to the total interest paid with a 15 year loan (Scenario 5). You will pay less interest under Scenario 5 with a shorter term loan.

Please do not open the files in Numbers or Google sheets. Those programs may alter the formulas or cause other problems. Also, do not use any other calculator or internet-based tool. Those tools may round or provide slightly different answers than the ones programmed in Canvas as the correct answers.

Unformatted Attachment Preview

Loan Amortization Schedule
Loan amount
Annual interest rate
Loan period in years
Number of payments per year
Start date of loan
Enter values
0
0.00 %
1
12
1/1/2017
Loan summary
Scheduled payment
Scheduled number of payments
Actual number of payments
Total early payments
Total interest
Optional extra payments
Lender name: The Bank of Dough
Pmt
No.
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Date
Beginning
Balance
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Payment
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Total Payment
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Cumulative
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Date
Beginning
Balance
Scheduled
Payment
Extra
Payment
Total Payment
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Date
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Balance
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Payment
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Payment
Total Payment
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Date
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Payment
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Payment
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#VALUE!
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Pmt
No.
Payment
Date
Beginning
Balance
Scheduled
Payment
Extra
Payment
Total Payment
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
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#VALUE!
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#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
Principal
Interest
Ending
Balance
Cumulative
Interest
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
#VALUE!
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00

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