Example: Home price: $400,000 · Down payment: 20% → Down payment needed: $80,000.
Loan amount: $320,000
3.5% (FHA minimum): $14,000
5% option: $20,000
Frequently asked questions
How do I calculate down payment? Enter your numbers above and the result updates instantly. For example: Home price: $400,000 · Down payment: 20% → Down payment needed: $80,000.
Is this Down Payment Calculator free? Yes — completely free with no sign-up or paywall. It runs entirely in your browser and keeps working offline; the numbers you enter never leave your device.
How accurate is it? It uses the standard published formula for down payment. Results are estimates for planning — not financial, tax, medical, engineering, or legal advice.