Example 1
- Value: 400,000
- Down: 20%
Down 80,000
Loan 320,000
LTV 80%
Common mortgage starting point - less leverage than 10%.
Down payment (%) calculator
Type the property value and the down payment in percent. The calculator computes the cash down, the loan, and LTV, loan to value, the loan divided by the property value. 20% of 400,000 is 80,000 down, a 320,000 loan, and 80% LTV.
Down payment = value × %, or a typed cash amount. Loan = value − down. LTV from a known loan: LTV. An estimate, not an offer rule.
Results
Property value, Down payment (%), Down payment amount override (optional) and Target LTV % (optional). The result shows up here.
How results are calculated
A down payment on this page is Property value times Down payment (%), or Down payment amount override when you type one. 20% of 400,000 is 80,000 down, a 320,000 loan, and 80% LTV. LTV is loan to value, the loan divided by the property value. 10% of 350,000 is 35,000 down, a 315,000 loan, and 90% LTV. A 100,000 cash override on a 500,000 value replaces the percent and yields an effective 20%, a 400,000 loan, and 80% LTV.
People compute how much cash they need before they open a payment. Target LTV % shows the gap: at 350,000 and 10%, reaching 80% LTV needs 35,000 more down, because 80% LTV wants 70,000. Extra purchase / closing costs of 8,000 add to cash, not to the loan. Compare with second down payment %, 20% on that 350,000, sets 35,000 next to 70,000 on one card.
The fields are Property value and Down payment (%). Optional: Down payment amount override, Target LTV %, Extra purchase / closing costs, and Compare with second down payment %. The LTV page starts from a known 240,000 / 300,000 = 80%. Here you start from a percent or from cash. A payment on a 400,000 loan at 7% for 25 years, 2,827.12, lives on the mortgage page.
Borrowing capacity adds an 80,000 down payment into a 359,615 budget at a 2,150 payment, but it does not compute 20% of a price. DTI, debt to income, does not know the property value. Header currency only labels the amounts. A comma and a period in 20.0 mean the same percent.
The calculator waits for a positive value and a percent or a cash down payment. 20% is not an offer rule and not a credit decision. An offer may ask for 20 or 10 for reasons other than this slider.
Type 400,000 and 20, click Calculate, and check 80,000, 320,000, and 80%. Then try 350,000 and 10 with an 80% target to see the 35,000 gap.
How to use
- Type Property value, for example 400,000, and Down payment (%), for example 20.
- Or enter Down payment amount override, for example 100,000 on 500,000, if you know cash, not a percent.
- Optionally set Target LTV %, Extra purchase / closing costs, and Compare with second down payment %.
- Click Calculate. 20% of 400,000 is 80,000 down, a 320,000 loan, and 80% LTV.
- A known loan for LTV goes on the LTV page. A payment on 320,000 lives on the mortgage page.
Down payment percent and implied LTV
Down = value × %, loan = value − down. 20% of 400000 is 80000 down, a 320000 loan, and 80% LTV.
- Down payment
- Cash from a percent or an override amount. 20% × 400000 = 80000. A 100000 override on 500000 is also an effective 20%.
- LTV
- Implied LTV = loan / value. 320000 / 400000 = 80%. A 10% down on 350000 jumps LTV to 90%.
- loan
- Value minus down. 400000 − 80000 = 320000. This calculator does not compute the mortgage payment.
Examples
Example 2
- Value: 350,000
- Down: 10%
- Target LTV 80%, costs 8,000, B: 20%
LTV 90% at 10%
Gap to 80% LTV + B comparison
Shows cash shortfall to a lower LTV and the B difference.
Example 3
- Value: 500,000
- Down amount: 100,000
Effective 20%
Loan 400,000 · LTV 80%
Amount override - when you plan a fixed cash figure.
Example 4
- 350,000
- 10%
Down 35,000
LTV 90%
How much is a 10% down payment on a 350,000 home? Down 35,000, LTV 90%.
Example 5
- 500,000
- 25%
Down 125,000
Loan 375,000
How much is a 25% down payment on a 500,000 home? Down 125,000, Loan 375,000.
Down payment vs LTV - choose your starting point
- Use this calculator when you start from a down-payment % or amount and the property price - the result shows the required loan and the LTV.
- Use the Loan-to-value calculator when you already know the loan amount and the collateral value - you then compute LTV without recalculating the down payment.
- Neither of these calculators replaces a creditworthiness analysis - they describe the financing structure, not the bank’s decision.
Down payment tells you how much you contribute from your own funds, LTV tells you the lender’s share. Together they clarify your property financing plan.
Related calculators
FAQ
How much down at 20% of 400,000?
80,000. Loan 320,000, LTV 80%. LTV is loan to value, the loan divided by the property value.
What LTV at 10% of 350,000?
90%. Down 35,000, loan 315,000. Reaching a target 80% LTV needs 35,000 more, because 20% of 350,000 is 70,000.
What does a 100,000 cash override do on 500,000?
It replaces the percent. Effective down 20%, loan 400,000, LTV 80%. The % slider sits in the background.
Do 8,000 of closing costs enlarge the loan?
No. They add to cash beside the down payment. The loan stays value minus down.
Is 20% an offer rule?
No. It is the number you type. An offer may ask for another line. An estimate, not a credit decision.
How is this different from the LTV page?
Here you start from a % or from cash. There you start from a known loan: 240,000 / 300,000 = 80%.
Does 80,000 down change DTI?
Not in this calculator. DTI, debt to income, uses debts and income, not a down-payment percent.
Where is the payment on a 320,000 loan?
On the mortgage page. This calculator does not ask for a rate. 400,000 at 7% for 25 years, for scale, is 2,827.12.
Does a comma in 20.0 work?
Yes. 20,0 and 20.0 are the same percent. Header currency only labels the amounts.
What about a 0% down payment?
The loan equals the value, LTV 100%. The calculator accepts a typed zero. A blank % waits for a number or a cash override.
Knowledge sources
Down payment is value × percent or the cash you type. This is an estimate, not an offer rule.
Page updated in 2026.