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Income Tax Calculator
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Down Payment Calculator
Work out the down payment, loan amount and cash needed to close on a home, or how much home your savings can buy.
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How to use this calculator
Enter your values after choosing the type of calculation in the tabs. The result updates as you type; press Calculate to confirm and jump to the result on mobile. Use Share to send the calculator with your result.
How much should you put down?
20% avoids PMI on conventional loans, but many buyers put down less: conventional loans can allow 3–5%, FHA 3.5% with a qualifying credit score, and VA/USDA loans can allow 0% for eligible borrowers. Closing costs often run roughly 2–5% of the price. Keep an emergency fund after closing.
Estimate the monthly payment with the Amortization Calculator.
Frequently asked questions
How much is 10% down on a $400,000 house?
$40,000, leaving a $360,000 loan.
About this tool
- Written by
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- Reviewed by
- Expert review pending
- Last updated
- 31 Oct 2026
See our methodology and editorial policy. Think something’s off? Report an error with this tool.
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