Calculate cash down, percentage or implied purchase price, then explore optional financing, closing costs and clearly labeled home-cost comparisons.
01 / PURCHASE & CASH CONTRIBUTION
General-purpose down-payment arithmetic. Financing is optional; mortgage-specific costs appear only in the labeled advanced section.
02 / CASH VERSUS FINANCING
Down payment = price × share/100; share = 100 × down/price; implied price = 100 × down/share. Cash arithmetic uses exact decimal rationals and half-up cent rounding. Loan = price − down; closing costs are paid separately. Monthly P&I = principal divided by the present value of a unit-payment annuity, using Nimzoa’s existing stable cash-flow pricing helper. At zero interest, it is principal ÷ months; at zero principal, it is zero. Currency formatting does not convert exchange rates.
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Choose which quantity to calculate and enter the two known values. Optionally supply closing cash, financing and home-cost assumptions or compare down-payment percentages.
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Cash down = price times percentage divided by 100; percentage = 100 times down divided by price; implied price = 100 times down divided by percentage. Cash results round half-up to cents. A positive implied purchase price cannot be determined from a zero percentage.
Financed principal is purchase price minus cash down, before any fees. Entered closing costs are assumed paid separately in cash and are not financed. Total upfront cash is down payment plus those closing costs, excluding first installments, reserves or other costs unless included in your closing assumption.
A fixed nominal annual rate is divided by twelve and applied to equal monthly end-of-period payments over the entered term. The calculation reuses Nimzoa’s stable annuity present-value utility. At zero interest, payment is principal divided by months; at zero principal it is zero. No lender statement or cent-adjusted final payoff schedule is promised.
No. They are confined to an optional, clearly labeled home-financing section. Taxes and homeowners insurance are entered as annual amounts and divided by twelve; HOA and PMI are monthly amounts. Utilities, maintenance and unentered fees are excluded.
No. PMI is a flat user-supplied monthly assumption, applied to every nonzero-loan scenario when enabled, and set to zero for a zero loan. It does not invent lender-specific rates, cancellation thresholds or a universal 20%-down rule.
Up to six shares use the same purchase price, entered rate/term, cash closing costs and ownership assumptions. Displayed monthly totals explicitly include only P&I plus those selected costs. Currency selection changes formatting, not exchange rates. These are arithmetic estimates, not approval or lender-cost guarantees.