Down Payment Calculator
Down Payment Calculator answers “what changes if…?” for down payment—down payment, rate, rent, or holding period—without opening a spreadsheet.
Your inputs stay on this device—useful for drafts or sensitive figures.
Down payment & loan amount
Enter values to calculate.
How this is calculated
Mortgage payment pieces use the same amortization kernel as our loan tools; affordability tools back-solve principal from a max housing payment and DTI ceiling.
Rent-vs-buy compares cumulative cash out (rent + deposits) against buy-side cash (down, closing, PITI minus principal credit).
Use this tool for
- Comparing PITI vs. rent for a neighborhood you are touring Saturday.
- Seeing how much rate movement changes buying power before rate lock.
- Estimating seller net after commissions and payoff statements.
Common questions
Which inputs matter most for Down Payment Calculator?
Confirm units (annual vs. monthly, nominal vs. real) match how your bank or employer reports numbers; mixed units are the most common source of surprise.
