Down Payment Calculator

Free Online Down Payment Calculator

Calculate discounts, savings, and final prices instantly — with support for stacked deals, bulk tiers, and tax.

Down Payment Calculator

Compare options · Plan savings · Estimate total cash needed

Home & Loan Details

Home Price

Down Payment %

Down Payment Amount

Interest Rate

Loan Term

PMI Rate (if < 20% down)

Down Payment Options Comparison

💡

Assessment

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Your Down Payment

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Loan Amount

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Monthly P&I

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Monthly PMI

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Total Monthly

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LTV Ratio

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Total Interest

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PMI Months

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PMI Total Cost

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🔮 What-If Scenarios

Monthly payment with 20% down (no PMI): —

Interest saved if you put 5% more down: —

Break-even: months to recoup extra down payment: —

If home appreciates 3%/yr — equity at 5 years: —

Monthly payment if rate was 0.5% lower: —

Key Insights

Your Goal

Down Payment Target

Already Saved

Monthly Savings Contribution

Savings Account APY

Target Timeline

Annual Income Raise (%)

Months to Goal (at current rate)

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Still Need

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Interest Earned

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At Target Date

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Shortfall / Surplus

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📅 Savings Milestones

🔮 Savings Scenarios

To reach goal in 12 months: —

To reach goal in 24 months: —

If APY rises to 5.5%: —

If you add $500/mo more: —

If you save for a smaller 10% down payment: —

Savings Strategy Tips

Purchase Details

Home Price

Down Payment

Closing Cost Estimate

Cash Reserves to Keep (months)

Mortgage Rate (for reserves calc)

Total Cash Needed at Closing

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📋 Itemised Cash Requirement Breakdown

Item	Amount

Down Payment

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Closing Costs

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Cash Reserves

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Total

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🔮 Total Cash Scenarios

Total needed with 5% down: —

Total needed with 10% down: —

Total needed with 20% down: —

If seller covers closing costs: —

Down payment as % of 1-year savings (at current rate): —

Cash Planning Tips

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