Amortization Table

Amortization Table — an amortization table provides a row-by-row breakdown of a loan's payment history or projected payments, typically on a monthly basis. Each row shows the payment number, payment amount, the portion allocated to interest, the portion applied to principal, and the remaining loan balance after that payment.

For note investors evaluating a potential acquisition, the amortization table is an essential due diligence tool. It reveals exactly where a loan stands in its repayment lifecycle — early payments are heavily weighted toward interest, while later payments retire more principal. Comparing the table against the borrower's actual payment history can also uncover discrepancies, missed payments, or partial payments that affect the unpaid principal balance.