Down Bixinta Calculator
Shaqada ka bixi lacag bixinta iyo deynta la baahan yahay si ay u bixiyaan qiimaha guriga.
Natiijooyinka cusbooneysiinta sida aad ku qorto.
Ku saabsan Kalkaaliyahan
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.
Su'aalaha badanaa la isweydiiyo
Sidee ayaan u baahanahay in aan lacag ka bixiyo?
Waxay ku xiran tahay deynta, laakiin 20% ka fogaadaan caymiska guriga deynta caadiga ah, halka barnaamijyo badan ay oggolaadaan 3-5%. Guriga 350,000, 20% waa 70,000 hoos iyo 280,000 la maalgeliyo.
Waa maxay PMI iyo goorma ayaan bixinayaa?
Iibsiga guryaha gaarka loo leeyahay wuxuu ilaaliyaa deyn bixiyaha marka aad lacagaha hoos u dhigto hoos u 20%. Waa lacag bil kasta oo dheeraad ah oo caadi ahaan ka baxda marka aad dhisto 20% saamiga, sidaas darteed lacago badan oo hoos u dhigi kara oo si buuxda u tirtiri kara.
Maxaa ku baxaya in la xiro iyo inta ay yihiin?
Qiimaha xiran waa lacagaha si ay u dhamaystiraan iibka - lacagta deyn bixiye, magaca, qiimeynta, canshuuraha iyo in ka badan - iyo caadi ahaan ku socdaan ku saabsan 2-5% qiimaha. Waxay ka duwan yihiin lacagaha hoos, sidaas darteed ku dar boqolkiiba si aad u aragto lacagaha buuxa aad u baahan tahay marka la xiro.
Ma 20% lacag bixinta hoose loo baahan yahay?
No. Labaatan boqolkiiba ka fogaado PMI on deyn caadi ah oo hoos u dhigta lacag, laakiin barnaamijyo badan oo deyn aqbalaan ka badan - caadi ahaan 3-5%, iyo qaar ka mid ah deymaha dawladda-ku taageeray in ka badan. A yar hoos u bixitaanka ku siin doonaa in aad ka hor inta aan lacagta PMI iyo faa'iido badan.
Sidee ayaan u dhigi karaa?
Intaa waxaa dheer, in ay ku siiyaan lacag lacagta raaxo leh iyo, ugu fiican, in ay gaadho 20% iyo ka tag PMI - laakiin ma aha sida aad u badan oo aad ka soo bixi lacagaha degdegga ah. Miisaanka faa'iidada iyo PMI aad ka badbaadin ka dhanka ah haysta lacag lacagta gacanta ee dayactirka iyo kharashka aan la filayn.
Ma lacag bixin weyn ayaa hoos u dhigi karta lacag bixinta billaha ah?
Haa. A lacag bixinta hoose oo weyn macnaheedu waa deyn yar, sidaas darteed labadaba bishii ugu weyn iyo faa'iido iyo faa'iido guud oo ka badan deynta hoos. Ka helitaanka 20% sidoo kale ka saaraa PMI bille ah, hoos u dhigista lacag bixinta in ka badan.
API — isticmaal xisaabinta ka code
Wici xisaabinta sida free JSON endpoint - key ma loo baahan yahay. Dib u soo dir qiimaha goobta hoos ku qoran sida parameters su'aal ama JSON. Wax kasta oo aad ka maqan tahay isticmaalaa default la mid ah ee boggani waa hore loo buuxiyey la; parameter aan la aqoon waa 400, marnaba ma aha zero maqan. Akhri dhammaan API xuquuqda →
Xarafka
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);Natiijooyinka waa tirakoobka loogu talagalay tilmaamaha guud oo keliya, maaha dhaqaale, caafimaad ama talo bixin canshuur.