DOWN PAYMENT CALCULATOR

How much down payment do you actually need?

See what different down payment sizes cost in real dollars, then find out how long it'll take to get there at your own savings pace.

Down Payment Calculator | Yellow

Target home

Target home price

Not sure yet? Try the affordability calculator first.

Include estimated closing costs — typically 2–5% of the purchase price on top of your down payment.

Your savings

Saved so far

Amount you can save per month

This drives the timeline on the right — adjust it to see how the math changes.

Down payment by tier — tap one to build a timeline

Savings timeline at 20% down

$0 saved of $0 needed

Still need

Time to get there

Enter a monthly amount

See what this looks like with pre-approval

Down payment minimums shown are general industry patterns, not universal rules — exact minimums and mortgage insurance requirements vary by lender, loan program, and your individual qualification. Closing costs are estimated at 3% of home price by default (within the commonly cited 2–5% range) and can be adjusted off. This tool is for planning purposes only. For the fuller picture of what's next, see the first-time homebuyer roadmap.

How much down payment do you actually need?

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