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Down Payment Calculator

Calculate how much down payment you need and how long to save for your home purchase.

Home Price ($)

Target Down Payment

% custom

Current Savings ($)

Monthly Savings Amount ($)

Closing Costs Estimate (%)

Down Payment Needed

Still Need to Save

Months to Goal

PMI Status

Est. Closing Costs

Total Upfront Costs

PMI Required: Down payment is below 20%. PMI typically costs 0.5%–1.5% of the loan amount annually (~$/mo estimated). To avoid PMI, save $ more.

No PMI: Your down payment of % meets or exceeds the 20% threshold. You will avoid private mortgage insurance.

Your files are processed securely and automatically deleted after 1 hour. We never store or share your data.

About Down Payment Calculator

Our free Down Payment Calculator helps you run quick, accurate calculations for everyday financial and mathematical needs with just a few inputs. Calculate how much down payment you need and how long to save for your home purchase. Enter your values, and the calculator instantly shows detailed results with breakdowns you can understand. No signup, no ads interrupting your workflow — just accurate, reliable calculations you can trust. Works on any device, saves nothing to our servers.

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