![]() With a 30-year term, your monthly payments will be lower, but you'll pay more in the long run since you're spreading payments out over a longer period of time. Input a few term lengths to figure out which one best fits your budget. This can help you decide if you're ready to buy a house now, or if it makes more sense to wait a little longer to save more. The calculator also shows how a higher or lower down payment will affect your monthly mortgage payments. If the monthly payment is too high for your current budget, you may decide that you need to buy a less expensive home. With our mortgage calculator, you can enter how much you want to spend on a home and the amount you have for a down payment.
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