Mortgage Calculator

Amortization Schedule

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Year	Monthly Payment	Principal Paid	Interest Paid	Balance

A larger down payment reduces the loan amount, monthly payment, and interest costs over the life of the loan.

Fixed rates offer payment certainty, while variable rates may start lower but fluctuate with market conditions.

Different banks have different LTV limits. Higher LTV means a smaller down payment but potentially higher rates.

Include land transfer tax, legal fees, home inspection, and other charges when calculating your total budget for buying a home.