Is a 50-Year Mortgage a Good Idea? Here’s the Real Math.

Posted by Judit Crace on November 14th, 2025

Will the 50-Year Mortgage Make Homes Affordable? Here’s the Real Math.

There’s been a lot of talk lately about a new idea: 50-year mortgages.
Supporters say this would lower monthly payments and make homeownership easier again.
On social media, many people are comparing it to the moment almost 100 years ago when the 30-year mortgage was first introduced.

So… is this the same thing?
Will a 50-year loan make buying a home easier the way the 30-year loan once did?

Let’s break it all down in simple terms.

What Happens to the Payment on a 50-Year Loan?

Let’s use a clear example:
A $400,000 mortgage at 6% interest.

• 30-year loan: about $2,400/month

• 50-year loan: about $2,100/month

That’s a difference of …

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