If you choose the partition when installing you could have the ntfs partition, which could be a whole disk, as the /home directory and sub-dirs would indeed be created for each user. Not best idea, but doable. ntfs just is not best option for Linux, and to avoid dfrag issues you should keep a larger amount of space free than needed on native linux filesystem types such as ext4.
But for what you are doing as I understand it, just mounting an existing ntfs filesystem in to home, this is apart from your user specific folders, and only if you change in to this directory, or specify it when writing files, making dirs and so forth will new content appear there. I'd only use this for something that you really want or need to access in both Windows and Linux, and then generally only for larger files such as audio and vids, etc. You could of course mount file in /home/yourusername/ and then it would appear as a subdir of your ~ (home folder/ subfolder specific to your user). So, again, you must specify this if that's where you want to write something. You would have for instance Desktop Documents Downloads andall the other folders that are created by default or that you created along side of what ever you called the ntfs partition when you mounted it.
Hope I understood all that you wre asking and answered any doubts you have. Best way to see what's going on of course is to navigate in either a GUI file manager or from the command line, or both.
ls shows you all that is in a given directory, ls -a includes the hidden stuff, (that starts with ., ) and there are many other ls options. Try man ls to get an idea.
You may also enjoy a CLI package manager such as lfm.
sudo apt-get update
sudo apt-get install lfm
Regards,
--
B.H.