Perclo
Every down payment scenario. One clean view.
Type in a home price. Perclo shows 3%, 5%, 10%, and 20% down on one screen, with the monthly payment, PMI cost, and total cash you need at closing for each one.
Side-by-side comparison
Four preset scenarios plus a custom option, all visible at once. You don't fill out the same form four times.
PMI in actual dollars
Most calculators skip PMI entirely or bury it in a footnote. Perclo shows the monthly cost by LTV band so the number is right there next to your payment.
Total cash at closing
Down payment plus estimated closing costs, combined into one number. That's what your savings account needs to have in it.
Nothing leaves your browser
All the math runs client-side. No data goes to a server. There's no database behind this.
For people still figuring it out
“How much do I need for a down payment?” has several different answers, and each one changes your monthly payment, whether you pay PMI, and how much cash you need on closing day. Most calculator sites make you run one scenario at a time, so you end up with a bunch of tabs and a spreadsheet. Perclo just puts all the numbers next to each other.
Why “Perclo”?
Percent + closing. Those are the two numbers you actually care about when you're working out what a house costs upfront: what percentage to put down, and what closing costs do to the total.
No sign-ups. No lead forms.
Perclo is free and ad-supported. There are no accounts and no “talk to a lender” pop-ups. We use PostHog for anonymous usage analytics (page views, basically) and that's it. Details are in the Privacy Policy.
Estimates only. PMI rates are national averages by LTV band. Closing costs use a 3% baseline. Your actual numbers will vary by lender, credit score, and location. This is not financial advice.