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What affect does a larger down payment have on mortgage payments?

I’m in the first steps of buying a condo, and I’m a bit confused as to what a larger/smaller down payment actually does to the mortgage payment. In all of the mortgage payment calculators I’ve gone to online, increasing or decreasing the down payment has no effect on the monthly payment and only decreases the term. I am confused because I set the term to 30 years, but its still changing the life of the loan.

if you can put enough down to shortin
up the term, 20-30%…the only time youll ever see what your saving, is on paper before you sign on the dotted line….do the math, see what you can live with, and remember the future…..

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