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I'm a brand new home seeker - about to close deal on a brand new house.

From what I can gather by reading posts here, it seems to me that it's typical in amortization schedules to pay off interest first, principal last (ie: 95% interest, 5% principal) at first and at the end of 30-year schedule, it would look more like this - 95% principal, 5% interest.

I haven't made calculations, but my (somewhat limited) thinking seem to tell me I'll be much better off if I pay off 100% principal first before paying ANY interest - that way I have much lesser interest to deal with.

What am I missing?

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