Is the Down Payment Calculator free to use?

Yes. Every calculator on NWS Calc is completely free, with no signup, no usage limits and no ads.

Does my data leave my device?

No. The Down Payment Calculator runs entirely in your browser using JavaScript. Nothing you type is uploaded, logged or stored on a server.

Can I use the Down Payment Calculator on my phone?

Yes. The page is fully responsive and works in any modern mobile or desktop browser — there is nothing to install.

What else is in Finance & Loans?

Loans, mortgages, interest, savings and investment returns. You can browse the full Finance & Loans category for related calculators.

Down Payment Calculator

How much deposit you need and what it does to your monthly payment.

Currency

Purchase price

Deposit

Interest rate

Term

yrs

Deposit needed

$70,000.00

Leaving a $280,000.00 loan at $1,589.81/month

Loan amount

$280,000.00

Monthly payment

$1,589.81

Loan-to-value

80%

How the deposit changes the payment

5% deposit ($17,500.00)$1,887.90/mo

10% deposit ($35,000.00)$1,788.54/mo

15% deposit ($52,500.00)$1,689.17/mo

20% deposit ($70,000.00)$1,589.81/mo

25% deposit ($87,500.00)$1,490.45/mo

Show the working

1Deposit = $350,000.00 × 20% = $70,000.00
2Loan = $350,000.00 − $70,000.00 = $280,000.00

Formula

deposit = price × pct ÷ 100

How it works

Shows the cash needed up front and how different deposit sizes change the monthly payment and loan-to-value ratio.

Example

20% on a $350,000 home is $70,000, leaving a $280,000 loan at about $1,590/month.

About the Down Payment Calculator

How much deposit you need and what it does to your monthly payment. It sits in the Finance & Loans section of NWS Calc, a free collection of calculators that run entirely in your browser. There is no signup, no paywall and no tracking — open the page, enter your numbers, get an answer.

Frequently asked questions

Is the Down Payment Calculator free to use?: Yes. Every calculator on NWS Calc is completely free, with no signup, no usage limits and no ads.
Does my data leave my device?: No. The Down Payment Calculator runs entirely in your browser using JavaScript. Nothing you type is uploaded, logged or stored on a server.
Can I use the Down Payment Calculator on my phone?: Yes. The page is fully responsive and works in any modern mobile or desktop browser — there is nothing to install.
What else is in Finance & Loans?: Loans, mortgages, interest, savings and investment returns. You can browse the full Finance & Loans category for related calculators.

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