Mortgage Calculator With Down Payment

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Mortgage Down Payment Calculator

Are you in the market for a new home? This calculator can help you estimate the down payment you’ll need to make it happen or see how different down payment amounts might affect the size of your monthly mortgage payments. Simply enter a few numbers to get started.

What Is a Mortgage Down Payment Calculator?

The homebuying process can be complicated, but our mortgage down payment calculator provides a fast and easy way to determine how much down payment you might need to purchase a given property. It uses the home purchase amount, your mortgage loan term (in years), interest rate, and down payment amount to show what your estimated monthly payment might be.

The larger the down payment, the lower the monthly mortgage payment. You can experiment with the mortgage calculator down payment amount to see what works for your budget and the type of mortgage loan you plan on using.

If you’re planning to take out a mortgage to buy a home, you’re in good company. Around 80% of recent homebuyers financed their home purchase. As a borrower, determining how much down payment you’ll likely need can better inform your search. It can also help decide if you have enough saved to start seriously house hunting or if more time is needed to build up your savings before buying a home.

While figuring out how much house you can afford, it’s important to consider home buying closing costs in your planning, as this expense isn’t included in the down payment mortgage calculator.

Additionally, did you know home interest rates may vary by state?

Current Mortgage Rates by State

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💡 Quick Tip: Generally, the lower your debt-to-income ratio, the better loan terms you’ll be offered. One way to improve your ratio is to increase your income (hello, side hustle!). Another way is to consolidate your debt and lower your monthly debt payments.

How to Calculate a Mortgage Down Payment

Perhaps you’ve heard the conventional wisdom that you’ll need 20% as a down payment to buy a house. While it’s possible to put less than 20% down, calculating the down payment is still done as a percentage of the home purchase price.

The lender or loan type will generally dictate the minimum down payment amount. But if you’ve yet to get preapproved for a home loan and are still in the planning phase, you might be wondering how much is a down payment.

Here are some example calculations using the median sale price for homes in Q3 of 2023: $431,000.

• 3% down payment: $12,930
• 5% down payment: $21,550
• 10% down payment: $43,100
• 20% down payment: $86,200

Recommended: 15-Year vs 30-Year Mortgage

How Does a Down Payment Work?

A down payment (sometimes called “earnest money”) is an upfront cash payment made by the buyer to show the seller that the buyer is committed to purchasing the property. Unless you’re paying for a home with cash, a down payment is required by lenders for most mortgages. Expressed as a percentage of the home’s purchase price, the down payment represents the portion of the home’s value that you actually own, known as home equity. The remainder of the home cost is covered through monthly mortgage payments (with interest).

The minimum down payment on a house depends on the type of mortgage you apply for. Homebuyers may be able to put as little as 3% down with a conventional loan, or even 0% down with certain government-backed loans.

Your down payment amount can impact the mortgage loan terms, so buyers may choose to make a larger down payment than what’s required. Putting more money down lowers your loan-to-value (LTV) ratio, which measures the amount of debt used to buy a home against the home value. A lower LTV translates to reduced risk for lenders and potentially a lower interest rate for the borrower.

Additionally, buyers who put less than 20% down are often required to get private mortgage insurance (PMI), which costs between 0.1% to 2% of the loan amount each year. Once borrowers hit the 20% equity threshold, they are usually free from the PMI requirement.

Recommended: What Is a Good Mortgage Interest Rate Right Now?

How to Lower a Mortgage Down Payment

Saving for a down payment on a home is a major undertaking. Homebuyers have a handful of options to lower the down payment requirement and still qualify for a mortgage.

•   Down payment assistance (DPA) programs: Grants, tax credits, or loans may be available to help make a down payment more affordable. DPA programs are often geared toward first-time or low- to moderate-income buyers.

•   FHA loans: Loans backed by the Federal Housing Administration usually require a minimum down payment of just 3.5%, making it popular with first-time buyers. Note that FHA loans come with upfront PMI payments and monthly premiums.

•   VA loans: Active service members, reservists, veterans, and surviving spouses can get a mortgage backed by the U.S. Department of Veterans Affairs with no down payment requirements.

•   USDA Loan: Buyers can get a mortgage with no down payment requirement if their home is in a USDA eligible area and they meet income requirements.

Pros and Cons of a Mortgage Down Payment Calculator

Using a mortgage calculator with down payment estimates is a good jumping-off point for prospective homebuyers. But there are some shortcomings to consider when evaluating the results.

Pros

•   It provides an understanding of what you can expect for a down payment to inform your savings goals and budget.

•   It helps ballpark your monthly mortgage payment before taking out a loan.

•   You can compare what the down payment amount would be with different loan types (e.g., FHA vs. conventional loan).

Cons

•   The mortgage calculations are only an estimate, as they don’t factor in closing costs and other variables.

•   It doesn’t show what mortgage rate you qualify for, so homebuyers will have to estimate that figure if they haven’t been preapproved or locked in their rate.

Average Mortgage Down Payment in 2023

Housing prices fell in the first half of 2023 since their peak at the end of 2022, so down payments have fallen year-over year. The average median down payment in the second quarter of 2023 was $34,248, down 3.3% vs. the same time in 2022. Borrowers paid an average of 14.7% down in the third quarter of 2023, and median down payment amounts were about $30,000.

There’s a considerable difference in the average mortgage down payment between first-time homebuyers and repeat buyers, as the latter often can use proceeds from a home sale to put more money down.

Down payments for first-time home buyers averaged 8%, whereas the average down payment for repeat buyers was 19%. Thus, the majority of buyers in both categories fell short of the 20% down rule of thumb. (New to home shopping? Check out a home loan help center to familiarize yourself with the process.)



💡 Quick Tip: One answer to rising house prices is a jumbo loan. Apply for a jumbo loan online with SoFi, and you could finance up to $2.5 million with as little as 10% down. Get preapproved and you’ll be prepared to compete in a hot market.

Tips on Mortgage Down Payments

Calculating your down payment is a helpful step to get your budget in check. While a larger down payment could mean saving on PMI and locking in a lower rate, it shouldn’t compromise your financial wellness.

When deciding how much down payment you can afford, it’s important to ensure you’re setting aside funds for closing costs and ongoing maintenance of your new home. Depending on your personal financial situation, you may also need to factor in debt payments, emergency expenses, and other savings goals.

If a down payment is not yet in reach, it’s time to get creative about saving money so you can get on track. Begin by determining how much you can set aside each month and then calculate how long it will take to reach your down payment savings goal.

The Takeaway

The homebuying process can be complicated. But there are loan options and strategies available that make homeownership possible even if you can’t put down 20% of the cost of a home purchase up front. Running different scenarios in a mortgage down payment calculator can help you determine what you can afford and what feels right for your monthly budget.

Looking for an affordable option for a home mortgage loan? SoFi can help: We offer low down payments (as little as 3% - 5%*) with our competitive and flexible home mortgage loans. Plus, applying is extra convenient: It's online, with access to one-on-one help.


SoFi Mortgages: simple, smart, and so affordable.

FAQ

What is the 20% down payment on a $300,000 house?

A 20% down payment on a $300,000 house would equate to $60,000.

How do I calculate my required down payment?

Down payments are calculated as a percentage of the home sale price. The required minimum down payment is determined by the loan type or lender.

Is a 20% down payment always required?

A 20% down payment is not necessary for many loan types. However, putting 20% down usually allows the borrower to avoid having to get private mortgage insurance.

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*SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.




¹FHA loans are subject to unique terms and conditions established by FHA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. FHA loans require an Upfront Mortgage Insurance Premium (UFMIP), which may be financed or paid at closing, in addition to monthly Mortgage Insurance Premiums (MIP). Maximum loan amounts vary by county. The minimum FHA mortgage down payment is 3.5% for those who qualify financially for a primary purchase. SoFi is not affiliated with any government agency.




†Veterans, Service members, and members of the National Guard or Reserve may be eligible for a loan guaranteed by the U.S. Department of Veterans Affairs. VA loans are subject to unique terms and conditions established by VA and SoFi. Ask your SoFi loan officer for details about eligibility, documentation, and other requirements. VA loans typically require a one-time funding fee except as may be exempted by VA guidelines. The fee may be financed or paid at closing. The amount of the fee depends on the type of loan, the total amount of the loan, and, depending on loan type, prior use of VA eligibility and down payment amount. The VA funding fee is typically non-refundable. SoFi is not affiliated with any government agency.




Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.

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If you’re thinking about starting a family, the question of just how much it might cost has probably crossed your mind.

There are the countless diapers and burp cloths needed for newborn life, and the seemingly unlimited amount of fresh fruit a toddler will want to consume. But the biggest expense of having kids is no doubt child care.

Child-care costs may vary widely depending on where you live and what type of care you choose. But unless you can get the grandparents involved, be prepared for a hefty bill: 51% of parents who responded to Care.com’s 2022 Cost of Care Survey said they spent more than 20% of their household income on child care every year. Ouch.

For prospective parents, this means drawing up a budget might be in order. Know how much money you have coming in every month to determine what kind of care may be feasible for your household.

For help with the necessities of the first years, consider being specific with registries and wishes so that your loved ones can help you in meaningful and useful ways. Hand-me-downs and second-hand purchases can also help you save money.

Congrats on the Baby, But How Will You Pay for College?

It might be years until your little one goes to college, but that shouldn’t stop you from thinking about how to fund it.

College education in the U.S. isn’t cheap, and as with all big expenses, it pays off to start stashing away money early. Putting it in a 529 plan (also known as a “qualified tuition plan”) is a tax-advantaged way to save for education costs.

There are two types of 529 plans: prepaid tuition plans, which allow you to prepay tuition and fees at certain colleges and universities at today’s prices, and education savings plan, which is a more general savings vehicle for educational expenses. You can contribute at whatever cadence works for you, deposit a lump sum, or let extended family members pay into it.

It is even possible to change the beneficiary of a 529 plan to another eligible family member, for example, if one kid receives a scholarship.

All this may sound too far away if you’ve just had a baby, or are still awaiting the arrival of a new family member. But make no mistake, saving early, and getting your ducks in a row can set you, and your family, up for financial security in the future.

Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.
The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.
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If you’re already saving for retirement, well done. Seriously, being consistent about putting money to the side takes discipline and consideration. But are you stashing your hard-earned cash in the right accounts for your financial situation?

There are many tax-advantage retirement accounts. If you have access to an employer-sponsored 401(k) plan, for example, you contribute pre-tax dollars, and lower your taxable income. That’s a win. Your employer might also offer to match your contributions up to a certain limit. Every year, the IRS sets maximum limits for how much you may contribute. In 2023, it was $22,500 , and next year it will be $23,000 .

Not all employers can offer 401(k) plans, and depending on the work you do, you might have access to a different kind of plan, such as 403(b), or profit-sharing plans.

And there are other ways to save, too, including cash-value life insurance plans, annuities, and IRAs. Complementing your retirement savings with different accounts might give you peace of mind as you plan for your future.

What’s an IRA and How Can It Help You Save for Retirement?

An IRA, or individual retirement account, is another way to save for retirement. Even though the IRS sets limits for how much you can contribute each year ($6,500 in 2023), you can grow the money in your account by investing it. Plus, you often also get tax breaks.

IRAs are available to anyone who earns income. And even if you’re a non-income earning spouse, you can still open a specific type of account.

The two most common types of IRAs are traditional and Roth IRAs. They’re different in the way they are taxed, with traditional IRAs being funded with pre-tax dollars, and Roth IRAs not tax deductible upon contribution, but tax-free in retirement.

You can fund your account with cash from your savings, set up regular monthly contributions, or get started with a tax refund to get the ball rolling. Importantly, if you change jobs but still have a 401(k) plan with your prior employer, you can rollover your plan into an IRA account.

Another nifty thing about IRAs: You can make your annual 2023 contributions until the unextended federal tax-filing deadline (aka April 18th) in 2024.

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SoFi Invest® offers traditional and Roth IRAs. Sign up and get started today.

Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.
The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.
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In many cases, financial health starts with creating a budget. You might not even be saving up for anything in particular, but there is good reason to know where your money is coming from, and where it’s going. How else do you know if you’re living within your means, and in accordance with your goals?

Creating a budget is one thing, but sticking to it is a whole other pair of shoes. That’s why it’s important to find a method that suits you and your lifestyle.

Successful budgeting also means being realistic about other ‘wants’ you typically spend money on, such as the hairdresser, a gym membership, or going out for dinner with friends. These expenditures may be just as much part of your budget as your housing costs.

Once you have an idea of your spending patterns, you can tackle your savings. That’s easier done with a goal in mind. For example, are you building your rainy day fund, saving for a vacation, or putting away funds for retirement.

Your Budgeting Psychology

Psychology is a big part of budgeting.

For one, the word itself is uncomfortable for some. Living on a budget might make you feel like you’re not quite keeping up with friends, relatives, colleagues. But there’s another way to look at it. A budget simply means tracking your money: What comes in, and what goes out. There’s nothing wrong with that, and everyone should do it.

At times, you may be saving up for a big expense, and shift your spending pattern accordingly. When you’re operating like business as usual, perhaps you put away the same amount every month to shore up a longer-term nest egg.

Whatever the case, making your financial choices work for you is key. For some that’s taking a certain dollar amount out of every paycheck before you even start to budget. For other’s, it’s putting all unused funds at the end of the month into a high-yield savings account. Yet others find success putting cash into envelopes (and then in a safe place).

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Don’t be afraid to try and find out what works for you. SoFi can help get started with your budget — and even better, it’s free!

Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.
The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.
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SoFi isn’t recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.

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SoFi Plus is a premium membership product that gives members access to our best APY, offer discounts, rewards, and more when they
set up direct deposit. Benefits are subject to change and may not be available to everyone. To learn more about SoFi Plus and all of the
terms and conditions, https://www.sofi.com/terms-of-use/#br22-764967_sofi-plus

¹New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus when they set up Direct Deposit of at least $1,000 during the Direct Deposit Bonus Period. Cash bonus will be based on the total amount of Direct Deposit. Direct Deposit Promotion begins on 01/01/2023 and will be available through 12/31/23. Full terms at sofi.com/banking. SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.

SoFi members with Direct Deposit can earn 4.60% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the 4.60% APY for savings (including Vaults). Members without Direct Deposit will earn 1.20% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 10/24/2023. There is no minimum balance requirement. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.

The world of investing is vast, and, at times, complicated.

Part of leveling up your investing game is understanding what’s out there, and how it may fit with your portfolio, and risk tolerance. Or not! That’s right, investing is just as much about knowing what isn’t right for you.

One investment type that may leave you intimidated is options. So let’s break it down: An option is a financial instrument tied to an underlying asset. They are a type of derivative, named for their relation to their underlying assets that determine their value.

In practice it may look like this: Instead of buying a stock outright, an options contract allows the buyer to potentially profit from price changes in that stock without actually owning it.

You can also use options to protect existing positions you have. For example, if you own a stock that has risen in value, and want to protect your gains, you may buy an option to sell it at a specific price. That way, if the value of your stock falls further, you have locked in a sale price ahead of time.

That’s pretty nifty, but options also come with more risk than more “regular” investments, as they can result in steep losses. Learn more about options trading for beginners here.

Why do People Trade Options?

Watch the video, where financial educator Ro$$ Mac shares 4 reasons why investors might consider trading options. Whether investors are looking for flexibility or income, he breaks down why options may help as part of an overall investing and financial strategy.

Interested in options? SoFi’s trading platform offers access to options from the mobile app or the web. Head to your SoFi Invest account to get started.

Please understand that this information provided is general in nature and shouldn’t be construed as a recommendation or solicitation of any products offered by SoFi’s affiliates and subsidiaries. In addition, this information is by no means meant to provide investment or financial advice, nor is it intended to serve as the basis for any investment decision or recommendation to buy or sell any asset. Keep in mind that investing involves risk, and past performance of an asset never guarantees future results or returns. It’s important for investors to consider their specific financial needs, goals, and risk profile before making an investment decision.
The information and analysis provided through hyperlinks to third party websites, while believed to be accurate, cannot be guaranteed by SoFi. These links are provided for informational purposes and should not be viewed as an endorsement. No brands or products mentioned are affiliated with SoFi, nor do they endorse or sponsor this content.
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SoFi isn’t recommending and is not affiliated with the brands or companies displayed. Brands displayed neither endorse or sponsor this article. Third party trademarks and service marks referenced are property of their respective owners.

Like SoFi’s content? Follow On the Money by SoFi on MSN.

INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).
Automated investing is offered through SoFi Wealth LLC, an SEC-registered investment adviser.
​​Neither the Investment Advisor Representatives of SoFi Wealth, nor the Registered Representatives of SoFi Securities are compensated for the sale of any product or service sold through any SoFi Invest platform. Information related to lending products contained herein should not be construed as an offer to sell, solicitation to buy or a pre-qualification of any loan product offered by SoFi Lending Corp and/or its affiliates.
SoFi doesn’t provide tax or legal advice. Individual circumstances are unique. Consult with a qualified tax advisor or attorney about your specific needs.

Investment Risk: Diversification can help reduce some investment risk. It cannot guarantee profit, or fully protect in a down market.

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