Down Payment Calculator
Find the deposit and loan amount from price and percentage.
Deposit and loan, split out
Every financed purchase splits into a down payment and a loan. Knowing the split up front tells you how much cash you need and how much you will borrow.
On a 400,000 home with 20% down, the deposit is 80,000 and the loan is 320,000. Putting more down shrinks the loan, the interest, and often the rate you are offered.
Simple and private
The calculation runs in your browser, so these figures never leave your device.
Frequently Asked Questions
How is the down payment found?
The purchase price is multiplied by the down-payment percentage you choose; the rest becomes the loan amount.
What is a typical down payment?
For a home, 20% avoids mortgage insurance, though many loans allow far less. Cars and other purchases vary.
Why put more down?
A larger deposit means a smaller loan, less interest overall, and often a better rate.
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