Down Payment Calculator
Kushanda kunze mari yekubhadhara mari uye mari yekubhadhara inodiwa kune imwe mari yemumba.
Zvinyorwa zvinogadziridzwa paunenge uchinyora.
Nezve iyi kalkulator
A down payment calculator turns a home price and a down payment percentage into the cash you need up front and the loan you must finance. It also adds estimated closing costs to show the total cash needed at closing, and flags whether you are likely to owe private mortgage insurance (PMI).
The maths is direct: down payment = price × percent, and the loan is the rest. On a 350,000 home, a 20% down payment is 70,000, leaving 280,000 to finance; with closing costs of, say, 3% (10,500), you would need about 80,500 in cash at closing. Because the down payment here is 20% or more, no PMI is flagged — drop below 20% and the tool warns that PMI is likely.
Use it to work out how much to save before buying, to compare a 5%, 10% and 20% down payment side by side, or to see how a bigger deposit shrinks both the loan and the monthly payment. A larger down payment lowers interest paid and can remove PMI, but keep enough cash in reserve for moving costs and emergencies.
Zvimwe zvinobvunzwa zvakanyanya
Ndezvipi zvikwereti zvandinoda?
Izvi zvinoenderana nemari yaungawana, asi 20% yemari yaungawana haisi mari yechikwereti, asi dzimwe mari dzinopa mari yechikwereti ye3-5%. Panzvimbo ye350,000 $, 20% inosanganisira mari yechikwereti ye70,000 $ uye mari yechikwereti ye280,000 $.
Chii chinonzi PMI uye ndiani anofanira kuibhadhara?
Private mortgage insurance inodzivirira mubhadhari kana mari yacho ichisvika pasi pe20%. Izvi zvinowedzera mari yemwedzi inonzi inowanzo bvisa mari yacho kana iwe wawana 20% yemari yako. Kana watenga mari yakawanda, unogona kubvisa mari iyi.
Chii chinonzi kuvharwa kwemari uye ndezvipi zvikonzero zvacho?
Kuvhara mari ndeyemitero yekumisikidza kutenga — mubhadharo wemubhadharisa, zita, kuongorora, zvikwereti uye zvimwe — uye zvinotora pakati pe2% ne5% yemari. Zviri kunze kwemubhadharo wekutanga, saka enda kune imwe percentage kuti uone mari yakazara yaunofanira kubhadharisa pakupera kwekutengesa.
Iine 20% kubhadharwa kwekutanga kunodiwa?
No. Zviuru makumi maviri neshanu zvinodzivirira PMI pamari inobhadharwa nechimbichimbi uye zvinodzikisa mari yacho, asi mari dzinoverengeka dzinobhadharwa nechimbichimbi dzinotora mari shoma—zvinenge 3-5%, uye dzimwe mari dzinobhadharwa nehurumende dzinogona kunge dzisiri izvozvo.
Ndezvipi zvandaida kuita kuti ndiwane mari?
Kukwana kuti ugare nemari yakanaka uye, zvirinani, kuti uwane 20% uye urege PMI — asi kwete kuti uwane mari yacho. Kuenzanisa mari yacho nePMI yaunochengeta kuti ugare nemari yacho. Kuchengeta mari yacho panzvimbo yekugadzirisa zvinhu uye kubhadharisa zvinhu zvisina kutarisirwa.
Chii chinoita kuti mari yakakura yacho iite kuti ndibhadhare mari shoma?
A larger down payment means a smaller loan, so both the monthly principal and interest and the total interest over the loan drop. Getting to 20% also removes the monthly PMI charge, lowering the payment further.
API — kushandisa iyi kalkulator kubva code
Nhare iyi calculator semahara JSON endpoint - hapana chikuru zvinodiwa. Kutumira nzvimbo mavara pasi separameter query kana JSON. Chii zvachose chaunoisa kunze chinoshandisa default iyo peji iri rakasviba nayo; parameter isiri yechokwadi inonzi 400, uye haisi zero. Tora yakazara API docs →
Endpoint
GET https://calculator.free/api/v1/down-payment/curl
curl "https://calculator.free/api/v1/down-payment/?price=350000&percent=20"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/down-payment/?" + new URLSearchParams({
"price": "350000",
"percent": "20"
}));
const data = await r.json();
console.log(data.results);Zviratidzo zvemubvunzo ndezvekufungidzira kwechinangwa chekudzidzisa chete, kwete zvemari, zvehutano kana zvemari.