Here is an example of a calculator that adds in extra principal payments. https://www.mortgagecalculator.org/calculators/what-if-i-pay-more-calculator.php Paying extra in the first few years can really make a difference in the length of loan.
Disclaimer: Not a tax professional. Information gathered from internet links. Anything dated in June 2019 was posted in prior years and is before the 2019 limits and changes.
