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Down Payment Calculator
Calculate a home down payment, loan amount, and savings shortfall including closing costs.
- Cash needed to close
- 65,000
- Down payment
- 60,000
- Loan amount
- 240,000
- Savings shortfall
- 15,000
How the calculation works
Down payment = price × percentage/100; cash to close = down payment + costs; loan = price − down payment.
Inputs
- Home price
- Down payment, %
- Closing costs
- Available savings
Calculation details
Closing costs are entered separately and paid in cash.
The minimum acceptable down payment depends on the lender and loan program.
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Updated: 2026-10-02