Mortgage Interest Rate Calculator

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Is there an explanation for these results mortgage?

I use a mortgage calculator provided online by a real estate company in the Midwest to reach the following for three (theoretical) price payment amounts (the district) $ 489,000 $ 400/4000/40 Payment, Interest 000 of 4% Loan Term 30 years Pay $ 2, 338 / 2, 320 / 2, 137 This may not be the banks "has everything, and the interest rate can affect things a bit, but mortgage rate is not suppose to be somewhat uniform in all areas in the U.S.? In its current form, there seems precious little to do monthly benefit a larger down payment. Why? "Why is that so much is required. mortgage calculator www.mortgage.org (for example) does not even take into account the down payment, only the amount of the loan. Does that is an important difference?

The initial payments give different results in different monthly payments (although interest rates will not change to reflect the difference you will see the normal interest rate of 0.1%, 1% and 10% down.

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