this post was submitted on 15 Jul 2026
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Making large principle payments significantly reduces the paid interest.
Also for the average price of a home and the average interest rate monthly payments are cheaper than average rent.
I will say that at least right now in my area, renting is actually a bit lower than the expected mortgage payment for comparable housing. However, that advantage would shift after 2-3 years as rent goes up but the mortgage would have stayed the same.
Having an interest rate significantly lower than high yield saving account returns significantly reduces my interest in making any extra payments.
Congratulations, though a lot of folks are certainly not in that boat.
And the principle and interest can't change (unless you did something like an ARM). Escrow and insurance might go up, but that won't remotely pace inflation.
Making small principal payments significantly reduces paid interest, nevermind large.