How Much of My Payment Goes Towards the Principal and How Much Goes Toward Interest?
Updated 14 days ago (March 6, 2026)
Usually, mortgage loans are structured so that the amount paid towards the principal increases over time with each mortgage payment. This structure means that in the first years of payment, you are paying more towards interest than towards the principal. On average, US mortgage rates in 2019 for a 30-year fixed mortgage are 4.43%, ranging from 3.50% to 7.84%.
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