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The more money you put down, the less money you need to 
borrow, so all calculations will be based on a smaller principal 
value right from the start.
1. Location of your home. 

2. Type of insurance ( standard or comprehensive )

3. Replacement value

4. Deductible

5. Discounts
1. One family could have a different rate on their mortgage so they 
would pay more or less depending on the rate. 

2. Size of the down payment would affect the amount of mortgage 
which would affect the payment. 

3. Term of the mortgage, the longer the term the smaller the 
mortgage payments. 
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