Down payment calculator
Work out the down payment by percent or amount, and the balance left to finance.
- Instant
- Free
- Private (processed locally)
- No sign-up
Work out your down payment
Enter the purchase price and the down payment percentage: the tool shows the deposit amount and the balance to finance, with a split bar.
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Purchase price
Home, car…
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Percentage
E.g. 10, 20, 30%.
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Read the breakdown
Down payment and balance.
Good to know
- Down payment = price × % ÷ 100
- Balance to finance = price − down payment
- A larger down payment shrinks the loan
- Excludes fees (notary, closing, taxes)
Example: 300,000 at 20%
| Item | Value |
|---|---|
| Purchase price | 300,000 |
| Down payment (20%) | 60,000 |
| Balance to finance | 240,000 |
Indicative estimate, excluding extra fees. 100% local calculation, not financial advice.
Frequently asked questions
What is the formula?
Down payment = price × percentage ÷ 100. Amount to finance = price − down payment. Example: 300,000 at 20% → 60,000 down, 240,000 to finance.
What down payment for a home?
10–20% is often cited, but it varies by country, lender and your profile. A larger down payment lowers the loan amount and often the rate.
Does the tool include fees?
No. It computes the down payment on the purchase price only; notary, closing or tax fees must be added separately.
Is my data uploaded?
No. The calculation is instant and 100% local, with no network calls.