I confirmed with the rep, that the 20 x 21 was actually 20 7/8 x 21 7/8. It was the former, not the latter. The fit was too snug. Although I was able to get it into the frame, I had to force it.Also, they had a yellow color, which made me wonder how old they were.
These filters are very well made and fit perfectly in my furnace. They slide easily in and out of the housing. The information about the filters was very helpful, and the shipping was prompt.