Every field updates your payment instantly — principal & interest, taxes, and insurance, all in one honest number.
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20% down avoids PMI, but 3–5% down programs get you in the door years sooner. The right answer is math, not a rule of thumb.
A quarter point on a $320,000 loan is roughly $50 a month — about $18,000 over 30 years. We show real rates upfront so you can compare honestly.
A 15-year loan carries a higher payment but a lower rate — and can cut your lifetime interest by more than half. Toggle the term above to see it live.