Updated October 2026
Down Payment Calculator
Pick a price and a percentage, or type the cash you have, and see the loan that leaves you with.
Quick picks use the typical values and median sale prices on our market report and community pages; hover a chip to see its source and date.
Cash down
$0
How the price splits
$0Loan amount
0.0%Loan to value
Cash needed at common down payments
Minimum down payments by loan type
- Conventional: as low as 3 percent on some programs. Below 20 percent you pay mortgage insurance.
- FHA: 3.5 percent with a credit score of 580 or higher.
- VA and USDA: zero down for eligible borrowers and properties.
Texas and the City of Dallas also have down payment help, and many programs are open to repeat buyers as well as first time buyers. See Dallas down payment assistance, then run the mortgage calculator with your number.
Questions people ask
How much do I need to put down on a house?
It depends on the loan. FHA needs 3.5 percent with a 580 credit score, some conventional programs need 3 percent, and VA and USDA loans can be zero down. Twenty percent avoids mortgage insurance on a conventional loan.
Are closing costs part of the down payment?
No. Closing costs are paid separately at closing, so plan for both.
Estimates for planning, not a loan offer or tax advice. All calculators.