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**Amortization** is the process of paying off a loan over time through regular payments. Each mortgage payment you make goes towards both the principal (the original amount borrowed) and the interest. At the beginning of the loan term, a larger portion of your payment goes towards interest, and a smaller portion goes towards the principal. As time goes on, the proportion shifts, smash color game with more of your payment going towards the principal and less towards the interest. This is known as the **amortization schedule**, a table that shows how much of each payment goes towards principal and interest over the life of the loan. Understanding this schedule can help you see how your loan balance decreases over time and how much interest you'll pay in total.
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