Every monthly payment splits between principal (paying down the loan) and interest (the cost of borrowing). In the early years, most goes to interest — and that's the math you can see below.
Monthly P&I
$3,202
Total of all payments
$1,152,792
Total interest paid
$652,792
Year-by-year balance + payment split
Principal paid (cumulative) Interest paid (cumulative) Balance remaining
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