购房储蓄计划计算器：为已定好日期的买家而设

Home & Target

• Target Home Price
• Down Payment (%)
• Closing Costs (%)
• Years Until Purchase

Savings Plan

• Current Savings
• Annual Return (%)

字段名称按计算器英文界面中的显示方式列出。

• Monthly Savings Needed
• Total Cash Needed
• Down Payment
• Closing Costs
• Current Savings at Purchase

Down payment

The part of the purchase price paid in cash at closing rather than borrowed. This calculator figures it as your chosen percentage of the target price. Putting 20% down on a conventional loan generally avoids PMI; smaller down payments are possible but raise the loan amount and monthly cost.

Closing costs

Fees and prepaid items due when the purchase closes, such as lender charges, appraisal, title insurance and initial escrow deposits. This calculator estimates them as a percentage of the price, typically 2% to 5% as noted in its inputs. They need to be saved in addition to the down payment.

Total cash needed

The down payment plus estimated closing costs: the savings goal for the purchase. It does not include moving costs, repairs or a cash reserve, which lenders sometimes want to see after closing. The calculator compares this goal with the projected value of your savings on the purchase date.

Monthly savings needed

The deposit required at the end of each month to close the gap between what your current savings will grow to and the total cash needed by the purchase date. It accounts for growth at your assumed return. If current savings will already cover the goal, the figure is zero.

Current savings at purchase

What the money you have saved today is projected to be worth on the purchase date, after compounding monthly at your assumed return. It reduces the amount your new monthly deposits must cover. It excludes the new deposits themselves, which are projected separately and added on top.

Annual return

The average yearly return on your home savings, compounded monthly in this calculator. Money needed within a few years is often kept in savings accounts, certificates of deposit or similar low-risk options, so a modest rate is usually a realistic assumption. A higher assumed return lowers the monthly amount required.

Compound interest

Earning interest on both your deposits and interest already credited. This calculator compounds monthly, so each month’s growth is added to the balance and earns interest in later months. Over a short savings horizon compounding helps, but most of the goal still comes from the deposits themselves.

Years until purchase

The time between today and when you plan to buy. A longer horizon spreads the goal over more monthly deposits and gives savings more time to grow, which lowers the monthly amount. Home prices can also change over that time, so the target price may need revisiting.

Estimates only. Closing costs are approximated as a percent of the home price; actual costs vary by location and lender. Assumes savings grow at a constant return compounded monthly, with deposits at the end of each month.

计算结果仅为示意性估算，并非 Loan Estimate（贷款估算表）、预批准或贷款要约。