Calculators
Down payment
See how much you really need up front, compare three down payment options side by side, and build a plan to save for it. Start from a home price or from a monthly budget. Move the sliders and everything updates instantly. Free, no login.
Start here
Set your home price. Open advanced to fine-tune rate, term, PMI, property taxes, and HOA.
Compare three down payment options
Adjust each option's percentage to see what you'd need up front and what you'd pay each month.
Option A
3% down
Est. monthly
$2,608/mo
Includes $141/mo PMI
Option B
10% down
Est. monthly
$2,443/mo
Includes $131/mo PMI
Option C
20% down
Est. monthly
$2,091/mo
No PMI ✓
Build your savings plan
Pick a target, tell us what you can set aside each month, and see how long it takes.
Target amount: $35,000 (Option B, 10% down)
Time to reach your goal
5 yrs 10 mos at $500/mo
Still to save
$35,000
Saving $500 a month, you would reach $35,000 around April 2032.
Save or share these scenarios
Download a PDF or email this comparison to yourself, a partner, or your lender.
Down payment help may be closer than you think
Thousands of down payment assistance programs exist across the country, from grants to forgivable loans. Many buyers qualify and never check.
Explore down payment assistance programs →These numbers are estimates to help you plan, not a loan offer. Monthly payment = principal & interest + PMI (under 20% down) + property tax + HOA; homeowners insurance is not included. Actual payments depend on your credit, loan program, location, and current rates. Always talk with a licensed lender for accurate numbers.
How this works
Each option is a different down payment percentage. In home-price mode, the calculator works forward to your monthly payment (principal and interest, plus PMI when you put down less than 20%, plus property tax and HOA). In budget mode, it runs the same math in reverse: given a monthly budget, it solves for the home price each down payment supports.
Putting more down lowers your loan and drops PMI at 20%, which is why a bigger down payment can stretch the same monthly budget further.
What this is and isn't
This is a planning tool, not a loan offer. It estimates principal, interest, PMI, property tax, and HOA; it does not include homeowners insurance, and real rates and costs vary by lender and location. Always confirm your numbers with a licensed lender.