Down Payment Calculator
Estimate down payment amount, loan amount, LTV, and cash gap or surplus.
This page is an editable estimator with realistic defaults so you can model your own situation in minutes.
Down payment can be entered as a percent or amount; loan amount equals home price minus down payment.
Treat the result as a planning estimate and verify important numbers with the relevant official source before acting.
| PMI note | PMI less likely at or below 80% LTV |
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Assumptions
- Loan program minimums vary by lender and borrower profile.
How this calculator works
Formula used
Down payment can be entered as a percent or amount; loan amount equals home price minus down payment.
Example calculation
Plug in your own numbers and the result updates instantly. Down payment can be entered as a percent or amount; loan amount equals home price minus down payment.
Down Payment Calculator FAQ
Is this down payment calculator exact?
No. It is a U.S.-focused estimate for planning. Actual mortgage quotes, taxes, insurance, fees, HOA dues, lender rules, and local real estate costs can vary.
What numbers should I enter?
Use current lender quotes, county tax estimates, insurance quotes, HOA dues, and realistic purchase or rent assumptions whenever possible.
Is this mortgage or real estate advice?
No. The result is educational only and is not financial, mortgage, tax, legal, or real estate advice.