首付计算器
以下详细说明暂以英文提供。
How much down payment is enough?
Twenty percent down avoids private mortgage insurance and shrinks the loan, but first-time buyer programs accept far less — 3.5% on FHA, or even zero for VA and USDA loans. A smaller down payment buys a home sooner and keeps cash for repairs; a larger one lowers the payment and total interest. The right answer balances your timeline against the monthly budget you can sustain.
常见问题
Does the down payment include closing costs?
No. Plan for closing costs of roughly 2–5% of the purchase price in addition to the down payment, plus moving expenses and a cash reserve after move-in.
Where should I keep the money while saving?
Short timelines call for safety and liquidity: a high-yield savings account, money market fund, or short-term CDs. Investing a down payment you need within a few years risks arriving at purchase time with less than you put in.