The sticker price of a house tells you surprisingly little about the check you’ll actually write. Our new down payment calculator answers the question buyers really have: how much cash do I need to close?
Enter the home price, pick a down payment percentage (one-tap presets for 3.5% FHA, 5%, 10%, and 20%), set a closing-cost estimate, and you instantly see:
- Down payment — the headline number.
- Estimated closing costs — the fees everyone forgets to budget.
- Total cash to close — down payment plus closing costs.
- Loan amount — what you’d actually borrow.
On a $350,000 home, 20% down with 3% closing costs means $80,500 in cash; the 3.5% FHA route needs about $22,750 but leaves a $337,750 loan. That trade-off is the whole home-buying decision in two clicks.
Your inputs live in the link, so you can send a pre-filled scenario to a partner or agent, and the tool is embeddable if you write about real estate.