So that’s a great picture I think for the difference between the loan durations.

I of course think the real problem is that average people might need a 50 year loan to barely pay for a house these days. But it isn’t “nothing” between the terms, it does help in the super short term

Fair, but it also shouldn’t affect the relative prices from 30 and 50 year

The calc I used for that number put $3k property tax annually amortized, good call

What?

Some random numbers that are of course VERY variable, but I just ran the calcs with 400k, 5% down, 6% APR for 30 and 50 years

$2648 for 30 years $2369 for 50

Now that is of course not a great deal, presumably you’d also get a little better rate for the longer loan (more points) but it’s not a dollar.

Edit: wait you’ll get a better rate for the shorter term loan, so this will probably further close the gap. Still not to $1 surely

Yup, exactly this.

Coached race cars (and bikes) at tracks for years, and amateur raced for more than a decade.

Try just pushing (not pulling). You have a LOT more range and more comfortable control from 9/3 than 10/2