Since we don't count a home loan as consumer debt (Baby Step 2), we recommend entering the mortgage as a regular budget item.
The great thing about budgeting with EveryDollar is that it's simple, yet powerful and flexible. Most people enter their mortgage payment under the Housing budget category instead of the Debt category—but it’s totally up to you how you want to do it.
If you're working the Baby Steps, we teach that you should pay off all your debts except your mortgage in Baby Step 2. Because of this, most people won't include their mortgage in the Debt budget category.