Emprunt 

Choosing Your Down Payment

Finding the right balance depends on your strategy:

• Large Down Payment: Lowers monthly payments and reduces the total interest paid over the life of the loan.
• Small Down Payment: Keeps more of your savings invested, but results in higher monthly debt obligations.

As a rule of thumb, if your investment return (after tax) is higher than your mortgage rate, it is mathematically better to keep your cash invested and minimize the down payment.

How this simulation works:

• Your Initial Savings cover the down payment and buying fees; any remainder starts your investment portfolio.
• Each month, your Monthly Cash pays the mortgage and fees. Any surplus is automatically added to your investments.