Calcs4All

APR 23 · 2026

Down payment calculator

Calculate down payment amount and resulting loan amount.

What this calculator covers

Calculate the cash down payment and remaining loan amount from a home price and down payment percentage.

The walkthrough keeps the split visible so the up-front cash need and financed amount are easy to compare.

Frequently asked questions

How is the loan amount calculated?
Loan amount equals the home price minus the down payment. A 20% down payment on a $400,000 home leaves a $320,000 loan.
Why does a larger down payment matter?
A larger down payment reduces the loan, lowers the monthly payment, often avoids private mortgage insurance (at 20% or more down), and can help qualify for a better interest rate.
What if I can only put 5% down?
Many conventional loans allow as little as 3%–5% down, and FHA loans allow 3.5%. You can still buy, but expect to pay private mortgage insurance or FHA mortgage insurance premium until you build enough equity to remove it.
Does this calculator include closing costs?
No — it splits the purchase price into down payment and financed amount only. Closing costs (typically 2%–5% of the loan amount) are a separate cash need at settlement.

Tool

Run the calculation

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RESULT · DOWN PAYMENT

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Primary result

$80,000.00

20% down on $400,000.00 means $80,000.00 down and $320,000.00 financed.

Down payment amount
$80,000.00
Loan amount
$320,000.00

Step-by-step solution

  1. 1.Multiply home price by the down payment percent to get $80,000.00 of down payment.
  2. 2.Subtract the down payment from the home price to get $320,000.00 of loan amount.

Walkthrough

Visual walkthrough

Down payment planning splits the home price into the cash portion paid upfront and the portion that would need financing.

  1. 01

    Apply the down payment percent

    $400,000.00 × 20% = $80,000.00

    This isolates the cash needed up front at closing.

  2. 02

    Subtract the financed portion

    $400,000.00 - $80,000.00 = $320,000.00

    The remaining balance becomes the rough loan amount before fees or financing adjustments.

  3. 03

    Read the split

    The result keeps both the cash requirement and the financed amount visible together.

    $80,000.00 down / $320,000.00 financed