Calculator
Down Payment Calculator
See how a chosen down payment changes loan-to-value and cash to close. Estimated closing costs use a percentage you can edit.
Down payment % = down payment ÷ price. LTV = (price − down payment) ÷ price. Cash to close ≈ down payment + estimated closing costs.
Closing cost percentage is user-provided and covers third-party and lender fees at a high level. Does not include prepaid escrow items.
Actual closing costs vary by state, program, lender, and property type. Does not include seller credits or lender credits.
Last reviewed: pending review
Related guides and calculators
- Conventional Loan Down Payment
How down payment affects PMI, monthly payment, cash to close, and long-term outcomes on a conventional loan.
- Private Mortgage Insurance (PMI)
How PMI works on a conventional loan, how it may be removed, and what factors influence the cost.
- Mortgage Payment Calculator
Estimate principal, interest, taxes, insurance, HOA, and PMI for a conventional loan using assumptions you control.