Down Payment Calculator

Professional tool — live calculations, amortization, savings plan, export & affordability checks
Real-time Export CSV Print
Property & Loan Inputs — update any value to recalc live
$ USD
%
Slide or type % — typical: 3–20%
%
%
Percentage of purchase price per year
USD
Annual cost
$ /mo
If down payment is low, MI may apply.
%
As % of purchase price (or specify below)
$
$
Current savings
$ /mo
Monthly contribution
% yearly
Estimated interest on savings
$
Used for back-end debt ratio check
$
Notes: All results update instantly as you change inputs. This tool estimates P&I (principal & interest), taxes, insurance, HOA, and mortgage insurance. Not a substitute for lender quote.
Summary
Quick view of the numbers
Down Payment
$100,000
(20% of price)
Loan Amount
$400,000
Principal to finance
Monthly P&I
$2,528.74
Estimated Total Monthly
$3,428.74
Includes taxes, insurance, HOA, MI
Upfront Cash Needed
$110,000
Down payment + closing costs
Affordability Check (Front-End / Back-End)
Front: --%
Back: --%
Recommended max front: 28%, back: 36%

MonthPaymentPrincipalInterestBalance

Estimated months to reach target: --
Tips
  • Tip will appear based on inputs.