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I just noticed this issue after adding mine for the same topic. I was going to fork and modify the library to have a down-payment (optional) field accepting amounts as well as percentage. If it's a desired feature, I can contribute the changes here.
I suggest adding a down payment option so that you could do something like:
Purchase Price: 20,000
Down Payment: 5,000
Loan Amount: [Calculated Based on The Top Two Fields]
Rate: X.XX
Term: XX months
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