5 yr: 1,236.94*60=74216.4, balence: 206,414.62
interest payment : 56631.02
div by 60 mon, it is : 943.85, if 30% savings on tax, then about 660.7/mon expense
10 yr: 1,236.94*120=148432.8, balence:183,563.60
interest payment :107996.4
div by 120, it is: 899.97, 70% is 630/mon.
You do have tax savings on interest, around 30% ba