Down Payment Comparison Calculator

Compare two down payment amounts side by side and see exactly what each one costs you every month, and over the life of the loan.

Home price ($)

Mortgage rate (%, fixed)

Loan term (years)

Down payment A ($)

Down payment B ($)

Down payment A

per month

Down payment B

per month

Monthly payment difference

Total interest — A

Total interest — B

Total saved over the life of the loan by putting more down

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This is a quick estimate of principal and interest only. It doesn't include property tax, homeowners insurance, HOA dues, or private mortgage insurance (PMI), which typically applies to down payments under 20% and would add to the lower-down-payment scenario's real monthly cost beyond what's shown here.

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