It depends a lot on the interest rates involved. At 2.6%, 45% of your first payment goes toward the principal, and around 3.5 years into a 30 year mortgage you

It depends a lot on the interest rates involved. At 2.6%, 45% of your first payment goes toward the principal, and around 3.5 years into a 30 year mortgage you hit 50/50 split between the principal and interest. At 5% interest, 22% of your first mortgage payment goes toward the principal and you only hit parity at around year 15-16. At 10% interest rate, only 5% of your first mortgage payment goes toward the principal. You hit parity (50/50) around year 23.