Down Payment Calculator
Real EstateThe cash you need upfront, and what saving for it takes each month.
Runs entirely in your browser — nothing is uploaded
Features
- Down payment and buying costs separated clearly.
- The monthly saving needed to reach it by a date.
- What a larger down payment saves in interest.
- Runs entirely in your browser — nothing you enter is uploaded.
How to use the Down Payment Calculator
- 1Enter the property price and the down payment share.
- 2Set the stamp duty rate for your state.
- 3See the total cash needed and what to save each month.
Frequently asked questions
How much down payment do I need?
Lenders fund 75–90% of the property value, so 10–25% is the minimum. Stamp duty, registration and brokerage sit on top and are cash-only, so budget for the down payment plus another 6–9% of the price.
Is a bigger down payment worth it?
Every rupee put down avoids interest at your loan rate for the whole term, guaranteed and tax-free. On an 8.5% loan that is a better risk-adjusted return than most alternatives — but not at the cost of leaving yourself with no emergency fund.
Can I use a personal loan for the down payment?
Lenders check for this and generally refuse the mortgage if they find it, because it means your real obligation is far higher than declared. It also stacks a 14% loan on top of an 8.5% one, which is the wrong direction.