How does the Down Payment Calculator work?

Down payment % = Cash / Purchase price × 100 Then: Loan = Purchase price − Down payment Then: PMI required when down payment < 20% (US) Then: PMI costs ~0.5–1.5% of loan annually.

Can you give an example of how to use the Down Payment Calculator?

Example: Input $400k home, 10% down gives a result of Down $40k; Loan $360k; PMI ~$150/mo until 20% equity.

Is the Down Payment Calculator free to use?

Yes — completely free with no registration, download, or subscription required. All calculations happen instantly in your browser.

How accurate is the Down Payment Calculator?

Our Down Payment Calculator uses verified mathematical formulas and is accurate to multiple decimal places. Results are calculated in real-time using the same methods used by professionals.

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Down Payment Calculator

Home Price ($)

Down Payment %

The down payment is the upfront cash portion when buying a home. 20%+ eliminates PMI and results in lower monthly payments and total interest paid over the life of the loan.

Symbol	Name	Unit	Description
P	Purchase price	Currency	—
DP%	Down payment percentage	Percentage (3–20% typical)	—
PMI	Private mortgage insurance	Percentage of loan (annual)	—

Loan	Min down
Conventional	3%
FHA	3.5%
VA	0%
USDA	0%

References

›Down payment guide — CFPB

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