smartfin_calculate_down_payment

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How long savings take to reach a home down payment, from what is saved so far plus the same amount each month growing at a fixed yearly rate, and, with reach_within_months, the monthly amount that reaches it by then, the way SmartFin's down payment calculator does. Returns the down payment, the loan amount it leaves, the months to reach it (within 50 years), the modeled savings split into saved so far, deposits and growth, and the monthly amount (rounded up to a whole currency unit) that reaches it within the chosen time. Use when someone asks how long it takes to save for a down payment, how much a month reaches one by a date, or what a percentage down is on a price. Do not use for how much to put down (it does not say), mortgage approval, closing costs (not included) or the mortgage payment (use smartfin_calculate_loan_payment). The growth rate is held constant, deposits are made at the end of each month and the home price stays the same. Amounts can be in any one currency; none is converted.