@S7ngod - agreed it's the balances and not the payments...but zeros do not come into play here. and he could have a balance higher than the SUM of the two mortgages because they are overlapping by two months:
Jan: $255
Feb: $253 + $800
March: $251 + $798
April : $796
May: $794
June: $792
July: $790
Aug: $788
Sept $787
Oct: $786
Nov.: $785
Dec: $784
The average is going to be in and around $788,000 (take the sum of the 12 months and divide by 12)
