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Down Payment Calculator

Home Price ($)

Down Payment Target

Currently Saved ($)

Monthly Savings ($)

Savings Return Rate (%)

Home Price Growth (%/yr)

Mortgage Rate (%)

Loan Term

Down Payment Goal

$70,000

20.0% of $350,000

Time to Reach Goal

4 yr 3 mo

Gap: $55,000

Est. Monthly Mortgage

$1,862.85

⚠️ Home Price Growth Warning

By the time you reach your goal, the home may cost $396,850 — requiring a $79,370 down payment.

Down Payment Scenarios

Down %	Down ($)	P&I / mo	PMI / mo	Total / mo
3.5%	$12,250	$2,247.06	$197.02	$2,444.08
5%	$17,500	$2,212.13	$193.96	$2,406.09
10%	$35,000	$2,095.70	$183.75	$2,279.45
15%	$52,500	$1,979.27	$173.54	$2,152.82
20%	$70,000	$1,862.85	None	$1,862.85
25%	$87,500	$1,746.42	None	$1,746.42

Plan your home down payment with savings projections, time to goal, and PMI savings.