And apologies to joec, I just realized sorta misquoted you. That’s what I get for rereading the thread after posting, and now I can’t edit. So let me rescind some of the words I kinda put in your mouth. Again, apologies.

It is true that late in the loan, you are mostly paying interest. Paying down the loan will still lower the total interest paid, just not as much as it would have earlier in the loan.