Take a look at my mortgage

[Justin Calmes]

My mortgage is $642.04.

Principal is $171.81.

Interest is $295.76.

Escrow is $174.47.

Interest rate is 3.5%

Does this interest cash amount each month seem crazy high? I thought I would be paying principal and interest around a similar amount. It's this just me being naive or is this a weird mortgage? Also, can someone explain how I can use my principal when trying to buy a property?