Down Payment Calculator

HomeExpertly

www.homeexpertly.com

Down Payment Calculator (USA)

Estimate your target down payment, projected savings growth, and how long it may take to reach your goal with your current savings plan. U.S. dollars only. For planning purposes, not financial advice.

Home & savings inputs

Home price (USD)

Target down payment %

Common U.S. targets: 3–5% (low-down), 3.5% (FHA), 20% (avoid PMI).

Current savings plan

Current savings toward down payment

Monthly amount you plan to save

Expected annual return on savings

For simple planning, many U.S. buyers use 0–3% (high-yield savings or CDs).

Target timeline (years)

yrs

Used to estimate how much you may need to save each month to hit your goal on time.

Results

Down payment & loan

Home price—

Target down payment—

Down payment as % of price—

Estimated loan amount—

Savings summary

Saved toward down payment now—

Monthly savings—

Assumed annual return—

Timeline & targets

Time to reach goal (est.)—

Your target timeline—

Monthly savings needed for target—

Difference vs current monthly savings—

Projected savings by target timeline—

Visuals

Savings growth vs. down payment goal

Progress toward goal at target timeline

Savings projection snapshot

Month	Contribution	Interest	Ending balance

PDF export includes a longer projection based on your inputs.