Before calculating
Prepare Home price, Down payment and Estimated closing costs. Match each input to the document, measurement, or current source you are using. Keep units, dates, currency, and time periods consistent.
HOME BUYING, EQUITY, AND BORROWING
Down Payment Calculator
Calculate a down payment amount, estimated loan amount, and a simple closing-cost allowance for a home purchase.
Review your result
Your result
Ready when you are.
Enter your values and select Calculate. Your result stays on this device.
How it works
Down payment = home price × down-payment percentage. Estimated closing cost = home price × closing-cost percentage.
Assumptions
Closing costs vary by location, lender, loan type, and transaction details.
Use case
down payment calculator: a clear planning check
Calculate a down payment amount, estimated loan amount, and a simple closing-cost allowance for a home purchase. The stated formula, assumptions, and result limits remain visible so the calculation can be checked in context.
Use a clear down payment calculator scenario with values you can verify before relying on the result.
Build a reliable scenario
How to use and verify your Down Payment Calculator result
Down Payment Calculator helps you check a specific home & mortgages question with figures that apply to you. Calculate a down payment amount, estimated loan amount, and a simple closing-cost allowance for a home purchase. Calculate a down payment amount, estimated loan amount, and a simple closing-cost allowance for a home purchase. The stated formula, assumptions, and result limits remain visible so the calculation can be checked in context. Use a clear down payment calculator scenario with values you can verify before relying on the result. The page keeps the method and limits visible so the result can be understood, compared, and checked instead of treated as an unexplained answer.
What changes the result?
The stated method is: Down payment = home price × down-payment percentage. Estimated closing cost = home price × closing-cost percentage. Change one assumption at a time to see which input drives the result, then compare scenarios on the same basis.
When checking the answer
Closing costs vary by location, lender, loan type, and transaction details. Estimate only; request lender disclosures and local estimates before committing funds.
Quick verification checklist
- • Confirm the date and unit of every input.
- • Replace defaults with values that match your case.
- • Compare the answer with a second scenario.
- • Use the official source for regulated or high-impact decisions.
Source and update
Last reviewed: 2026-08-08
Consumer Financial Protection Bureau mortgage guidanceFrequently asked questions
Is Down Payment Calculator free to use?
Yes. This calculator runs in your browser and does not require an account.
Is the result guaranteed?
Closing costs vary by location, lender, loan type, and transaction details.
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