How much should I put down on a house?

A 20% down payment avoids private mortgage insurance (PMI). FHA loans allow as little as 3.5% down. A larger down payment reduces your monthly payment and total interest paid.

Down Payment Calculator

Estimate down payment amount from price and percent.

This tool runs in your browser. None of your data is saved or sold.

Home price ($)

Down payment (%)

About This Calculator

Your down payment percentage determines your loan amount, whether you'll owe PMI (private mortgage insurance — required below 20% down on conventional loans), and often your interest rate. This calculator converts the percentage to a dollar amount and shows the resulting loan size.

Estimates only — not financial, tax, legal, or investment advice. Verify important results with a qualified professional before making decisions.

down payment = price × percentage; loan needed = price − down payment