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HomeLoansDown Payment Calculator

Down Payment Calculator

Calculate how much you need to save for a down payment and create your savings plan.

Home Purchase Details

$400,000
$50,000$2,000,000
20.0%
0.0%50.0%
6.500%
0.000%15.000%

Your Savings

$
$1,500
$0$5,000
4.5%
0.0%10.0%

At $1,500/month, you'll reach your $80,000 down payment goal by January 2029 (2 years 9 months).

Savings Timeline

Down Payment Goal$80,000
Current Savings$25,00031% of goal
Remaining to Save$55,000
Time to Goal2y 9mJan 2029

Total Cash Needed at Closing

Down Payment$80,000
Est. Closing Costs$14,0002-5% of home price
Total Cash Needed$94,000
Total Remaining$69,000

Mortgage Impact

Loan Amount$320,000
Monthly P&I$2,022.62
PMI Required?NoSave with 20%+ down
Total Monthly$2,022.62P&I + PMI (if any)

Down Payment Scenarios

Down %AmountLoanPaymentPMI
3.5%$14,000$386,000$2,439.78$160.83
5%$20,000$380,000$2,401.86$158.33
10%$40,000$360,000$2,275.44$150
20%(Selected)$80,000$320,000$2,022.62-

Down Payment Needed

20% of $400,000

$80,000

$55,000 left to save

Savings Progress

Current Savings
$25,000
Remaining to Save
$55,000

Total Cash Needed

Down Payment
$80,000
Closing Costs
$14,000

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Disclaimer

This calculator is provided for informational purposes only. Results are estimates based on the information you provide. Always consult with a qualified financial professional before making important financial decisions.