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Down payment calculator

Work out your down payment, the loan it leaves, the cash you still have to find and the month you get there.

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The Down payment calculator turns Property price, Down payment (%), Fees payable in cash (notary, duties, guarantee), Already saved, Saved each month into Down payment, Loan amount, Cash needed on signing day, Still to save, Months to get there, Ready in (month/year), Loan-to-value (LTV), instantly and for free.

How to use it

  1. Enter your values: Property price, Down payment (%), Fees payable in cash (notary, duties, guarantee), Already saved, Saved each month.
  2. Read the result instantly: Down payment, Loan amount, Cash needed on signing day, Still to save, Months to get there, Ready in (month/year), Loan-to-value (LTV).

Frequently asked questions

How does the Down payment calculator work?

It takes Property price, Down payment (%), Fees payable in cash (notary, duties, guarantee), Already saved and Saved each month and derives Down payment, Loan amount, Cash needed on signing day, Still to save, Months to get there, Ready in (month/year) and Loan-to-value (LTV) from them. The calculation is live as you type, so the result updates on every change.

Which values does the calculator ask for?

5 values: Property price ($), Down payment (%), Fees payable in cash (notary, duties, guarantee) ($), Already saved ($) and Saved each month ($). Nothing else is required — no account, no file upload.

When would I actually use this?

Before making an offer: what the bank will lend, what the purchase costs on top of the price, and how much deposit closes the gap.

What is the most common mistake?

Budgeting for the price and forgetting the acquisition costs. Notary fees, transfer duty and registration add between 2% and 15% depending on the country — enough to sink an offer.

How accurate is it, and what are the limits?

Purchase fees are yours to enter: notary tariffs, transfer duties and registration costs are set country by country, and this tool assumes none of them. Estimate only — not financial advice.

What is the difference between the Down payment calculator and the Amortization Calculator?

This one returns Down payment and Loan amount; the Amortization Calculator returns Monthly payment and First month interest. That is the whole difference — open the one whose figure you need.

Is there a tool for the next step?

ARM mortgage calculator is the closest one after this: See how an adjustable-rate mortgage could move. Enter the loan, the fixed introductory rate and how long it lasts (3/5/7/10 years), the term and the rate caps. The tool shows the initial payment, the maximum payment after the first adjustment (initial cap, bounded by the lifetime cap) and the worst-case payment at the lifetime ceiling — with an optional fixed-rate comparison.

What else is worth having open alongside it?

Cap rate calculator and Construction loan calculator — they come up in the same task often enough to be worth a second tab.

Where do the figures come from, and how current are they?

Fee scales and duty rates are published per country and per region, and they change with each finance act. Lending limits also depend on the bank's own policy, not only on the regulator's debt-to-income cap.

Further reading

All guides →
How-toHow Much Down Payment Do You Need to Buy a Home?How to work out a down payment: typical percentages, the 20% PMI threshold in the US, and how the amount you put down changes your monthly payment.GuideBuying Together Without Marrying: What the Split on the Deed Commits You ToThe percentages written into the deed decide who owns what for as long as the property exists — not who paid the deposit, not who pays the mortgage, not who does the renovation. In France, Spain and Italy the default is the same undivided co-ownership, and it comes with a right that surprises couples: either of you can force a sale.How-toHow Much House Can I Afford?The income-multiple and 28/36 rules give you a ceiling in minutes. Here's how to work out an affordable price from your income, debts and down payment.How-toHow to Read an Amortization ScheduleUnderstand an amortization schedule row by row: how each payment splits into principal and interest, and why early payments are mostly interest.ComparisonBuying Costs in France, Spain and Portugal: the Part You Cannot Argue WithMost of what buyers call the notary's fee is transfer tax, and it is fixed by a department, an autonomous community or a national scale. The genuinely negotiable share is small, and knowing which line it is on is worth more than haggling over the rest. Portugal added a flat 7.5 % rate for non-resident buyers in May 2026.ComparisonRenting vs Buying a Home: Which Is Better?Renting vs buying, compared honestly: the break-even horizon, the opportunity cost of a down payment, and the situations where each option wins.