Calculator
Down payment calculator
See how a target down payment percentage translates into a dollar amount — and whether it's enough to avoid PMI.
Your numbers
Down payment %
Estimated down payment
Estimate
$35,000
Below 20%, lenders typically require PMI (private mortgage insurance) on a conventional loan — added to the monthly payment below.
Resulting monthly payment
Assumes a 6.5% rate, 30-year term — adjust on the mortgage payment calculator.
Principal & interest$1,991
Property tax$321
Home insurance$102
PMI$158
Total monthly payment$2,571
This is an estimate for planning purposes — your actual rate, taxes, and costs will vary. Confirm real numbers with a licensed lender.