Buying & selling

Down Payment Calculator

Calculate down payment, mortgage amount and cash required. Replace every default with figures that apply to your property and location.

What this calculator estimates

Calculate down payment, mortgage amount and cash required. It combines the inputs below to produce Down payment. Every assumption remains editable so the estimate can reflect the property, financing and location being evaluated.

Worked example

Using the displayed sample assumptions, the calculator produces $130,000. This is an illustration, not a market quote. Change one input at a time to understand what drives the result.

Inputs and assumptions

• Purchase price — sample input: 650000 currency units
• Down payment percentage — sample input: 20 %
• Closing costs — optional — sample input: 12000 currency units

How to interpret the result

Include immediate work and transaction costs in the decision. Compare a conservative case with an expected case and keep a record of the assumptions used.

Common mistake to avoid

Do not confuse purchase price with total cash required. Local definitions, taxes, lending practices and measurement requirements can materially change the result.

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Reviewed 2026-09-08.