计算需要的首付金额 + 每月存多少能达到目标。
$80,000
$320,000
$2,023
$408,142
Down payment 20% or more avoids PMI on conventional loans. FHA loans accept 3.5% down and charge MIP instead. VA loans allow 0% down. Closing costs typically run 2-5% of the home price on top of the down payment.
| Down % | Down $ | Loan amount | Monthly P&I | PMI? |
|---|---|---|---|---|
| 0% | $0 | $400,000 | $2,528 | Yes |
| 3.5% | $14,000 | $386,000 | $2,440 | Yes |
| 5% | $20,000 | $380,000 | $2,402 | Yes |
| 10% | $40,000 | $360,000 | $2,275 | Yes |
| 15% | $60,000 | $340,000 | $2,149 | Yes |
| 20% | $80,000 | $320,000 | $2,023 | No |
| 25% | $100,000 | $300,000 | $1,896 | No |
| 30% | $120,000 | $280,000 | $1,770 | No |
5 年攒够首付款：
| 房价 | 首付 20% | 月存（5 年, 4% 储蓄） | 月存（3 年, 4% 储蓄） |
|---|---|---|---|
| $200,000 | $40,000 | $617 | $1,058 |
| $400,000 | $80,000 | $1,234 | $2,116 |
| $600,000 | $120,000 | $1,852 | $3,174 |
20% 首付可避免 PMI（private mortgage insurance，每年 0.5-1.5%）。FHA 3.5% / VA 0% / Conventional 3% 也可，但需 PMI/MIP。建议首付 + 应急基金 6 个月支出。
Cross-checked against authoritative formulas (IRS, NIST, ACSM) and updated for 2025/2026 tax years and rates.
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A down payment calculator is a free home-buying planning tool that shows how much cash you need at closing and how the down payment percentage affects your loan terms. Our down payment calculator computes the dollar amount of the down payment, the loan amount, monthly principal and interest payment, total interest over the life of the loan, and PMI requirement based on the down payment percentage. It also shows side-by-side scenarios for common down payment amounts.
How it works
Our down payment calculator shows how much cash you need at closing and how the down payment percentage affects monthly P&I, total interest, and PMI.
Type the purchase price of the home you're considering.
Type your planned down payment as a percentage. Common: 20% (avoids PMI on conventional loans), 5-10% (most conventional programs), 3.5% (FHA minimum), 0% (VA eligible).
Type the expected interest rate and loan term. The down payment calculator applies the standard amortization formula to compute monthly P&I.
The down payment calculator shows the down payment dollar amount, loan amount, monthly P&I payment, total interest over the loan, and PMI status. A reference table below shows side-by-side scenarios for 0%, 3.5%, 5%, 10%, 15%, 20%, 25%, and 30% down.
Estimate monthly mortgage payment, total interest, and amortization schedule.
Find out how much house you can afford based on income, debts, down payment, and interest rate.
Find the monthly savings needed to reach a goal by a target date.
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