Debt Amortization Schedule

I was looking at Microsoft's website and they had a nice amortization schedule (see attached) but I have a few problems and questions with it.

1. If you have a base year of 2005 and a base month of 6, the Payments in the First 12 Months box shows payments for January through May. That isn't right. If it started in June, there wouldn't be any payments right?

2. It would be nice if it had a drop down for principal and interest loan versus a interest only loan. I know there's 0 amortization for interest only but it would be nice to have a spreadsheet that adapts for that as well. Any ideas?

3. How can I make this schedule account for a mortgage that begins in the middle of the month? I would only want to pay half that month's payment. Not so worried about days but would like it to be able to account for a mortgage that begins in the middle of the month.

Hi,

1. If you have a base year of 2005 and a base month of 6

Change the 6 to June

Hi, Surely it does'nt matter when you start your loan. The repayments are made monthly from some date over a set period. If you start your loan in June the only difference from this and any other month is that the total Calender Year repayments will differ.
The Loan Calculator you show (Nice Calculater) requires the Annual Interest Rate. This is not the APR that the Mortage is based on.
If the Yearly Interest Rate = 10%, then APR = ((((10/100x12)+1)^12)-1)x100 = 10.47%
Then using this APR the monthly repayments based on a 10K Loan over 25 Yrs are $90.87 monthly, the same as the calculator.
Regards Mick