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What is better for a loan?

Would I be better off with a 30 or 10 year fixed loan?

I'm gonna try to NOT explain the family situation, but just keep it short and sweet.

Let's say that a home is 250,000

Between me and my mother we have a down payment of 50,000$

10 year fixed loan = $2,608.87

30 year fixed loan = $1,569.35

10 year fixed loan = $41,365.04 in total interest paid over the loan's duration

30 year fixed loan = $150,269.27 in total interest paid over the loan's duration

So, if I take on a 30 year loan but pay as much each month as one would in a 10 year loan and basically pay off the mortgage in 10 years, I only end up paying the amount of interest that one would for a 10 year loan, correct? Or do I still end up paying more? Is it possible to only have the bare minimum in case my mother passed away so I can still handle the mortgage, but pay more so that I don't pay 150k in interest?

submitted by /u/Spaghettalian
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source https://www.reddit.com/r/RealEstate/comments/db74mg/what_is_better_for_a_loan/
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