Every down payment scenario. One clean view.

Enter a home price to compare 3%, 5%, 10%, and 20% down — with monthly payment, PMI, and total cash needed.

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Scenarios

3% DownLTV 97%
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Monthly P+I--
PMI Cost--
Closing Costs--
Total Cash Needed--
5% DownLTV 95%
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Monthly P+I--
PMI Cost--
Closing Costs--
Total Cash Needed--
10% DownLTV 90%
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Monthly P+I--
PMI Cost--
Closing Costs--
Total Cash Needed--
20% DownLTV 80%
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Monthly P+I--
PMI Cost--
Closing Costs--
Total Cash Needed--

Estimates only. Monthly payments use standard amortization (P+I). PMI rates are national averages by LTV band. Estimated closing costs are approximately 2–5% of the home price and vary by location and lender; we use 3% as a baseline estimate. This is not financial advice.