Buying a home is one of the biggest financial decisions you'll ever make, and the down payment question is one of the most misunderstood parts of it. Put too little down, and PMI eats into your budget for years. Put too much down, and you may tie up cash that could be working harder somewhere else.
The truth is, there's no universally right answer. The right answer is your answer, based on your income, your savings, your timeline, and your goals.
This calculator puts all four scenarios in front of you at once — monthly payments, total costs, and the opportunity cost of each path. So instead of guessing, you can see your financial picture clearly and make the call with confidence.
Download your results, or connect with a Fruition mentor to talk through what makes sense for you.
This calculator is meant to be used for general information and is not a replacement for financial advice or guidance.
Down Payment Calculator
Compare 3%, 5%, 10%, and 20% down — see what each truly costs over time.
* Includes down payment + P&I + PMI within hold period. Excludes insurance, taxes, HOA.
Instead of putting 20% down, you could invest the extra cash at 5% annual return. Here's how each lower down payment compares once you net out PMI costs vs. investment gains.
vs. 20% down — $51,000 extra saved
vs. 20% down — $45,000 extra saved
vs. 20% down — $30,000 extra saved
✉️ Email Me My Report
Get a summary of your results sent straight to your inbox — all four scenarios and your lowest-cost option highlighted, with a link to connect with a Fruition mentor.
