Down Payment Calculator

Free Down Payment Calculator – estimate home affordability, loan amount, cash needed, interest rates & closing costs. Perfect for first-time buyers & refinancing.

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Down Payment Tips

  • Aim for 20% down payment to avoid PMI and lower monthly payments.
  • Factor in closing costs (2–5% of home price) when budgeting cash.
  • Use local rates for accuracy—update the interest rate field.
  • Consider longer loan terms to reduce cash needed upfront.