Down Payment Calculator

Estimate house down payment cash from price and percent.

Down Payment Calculator

Formula

down payment = price * percent

Uses the live price and percent fields.

This down payment calculator estimates cash needed from price and down payment percent fields on the page.

Next, stress payment size with the mortgage calculator or check budget fit on the house affordability calculator. Rent tradeoffs belong on the rent vs buy calculator.

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Frequently Asked Questions

What does the default example show?

A $400,000 home at 20 percent needs an $80,000 down payment.

Does amount already saved change the result?

The core result is still price times percent. Saved cash helps you see how much remains to reach that target.

Is 20 percent required?

No. Many loans allow lower percents. Lower down often means mortgage insurance or different underwriting rules.

Does this include closing costs?

No. Closing costs sit outside this percent math.

Can I model 3.5 percent FHA style down?

Yes. Enter 3.5 as the percent on your price to get that cash target.

What about gifts or seller credits?

Treat them as part of money available toward the target, then recheck lender rules.

How do I size the loan after down payment?

Loan principal is roughly price minus down payment before fees. Pair this with a mortgage payment estimate.

Is the result rounded?

The math is exact on the inputs you enter. Lenders may round differently at closing.