Down Payment Calculator
Down Payment Calculator works out Amount financed and Down payment from Purchase price, Down payment and Down payment percentage. The default figures on this page give amount financed of 80.00; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
4 steps
- Down payment = 20
- Amount financed = price - down = 100 - 20 = 80
- Down payment % = 100 x 20 / 100 = 20%
- LTV = 100 x 80 / 100 = 80%
Its 5 worked examples are re-run on every release, last on 15 September 2026. What changed
Sources and references
1 source
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the Down Payment Calculator calculates
Works out the down payment, the amount financed and the loan-to-value ratio on a home or vehicle purchase from the price and either a cash down payment or a target percentage.
How to use this Down Payment Calculator
Enter Purchase price, Down payment, Down payment percentage and Entry mode. Amount financed updates as you type, and “Use a worked example” loads checked figures you can adjust. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Amount financed, Down payment and Loan-to-value (LTV).
The method follows CFPB - Loan-to-value ratio and your down payment.
Research R3177-GT-1: 20 down on 100 example
With Purchase price: 100, Down payment: 20, the calculator returns Amount financed: 80, Down payment: 20. This example is checked against an independent source in the test suite.
What you can compare
Change one input at a time to see how it affects Amount financed, Down payment and Loan-to-value (LTV). The inputs you can vary are Purchase price, Down payment, Down payment percentage and Entry mode.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
How much is a 20% down payment on a $400,000 house?
On the figures this page opens with — purchase price 100 and down payment 20 — the amount financed is 80. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.
How much is 3.5% down on a $300,000 house?
It needs Purchase price, Down payment, Down payment percentage and Entry mode. Nothing else is required, and the figures stay in your browser.
What is a 20% downpayment on a $500,000 house?
Works out the down payment, the amount financed and the loan-to-value ratio on a home or vehicle purchase from the price and either a cash down payment or a target percentage. On this page it is computed from Purchase price, Down payment and Down payment percentage and shown as Amount financed, Down payment and Loan-to-value (LTV).
Is $50,000 enough for a down payment on a house?
Works out the down payment, the amount financed and the loan-to-value ratio on a home or vehicle purchase from the price and either a cash down payment or a target percentage. On the figures this page opens with — purchase price 100 and down payment 20 — the amount financed is 80. Put your own figures in their place and the working updates beside the result.
What information do I need for the Down Payment Calculator?
You need Purchase price, Down payment, Down payment percentage and Entry mode. The page opens with default figures that give amount financed of 80.00, so you can see the scale before entering your own.
What does this Down Payment Calculator show?
It shows Amount financed, Down payment, Loan-to-value (LTV) and Purchase price, with the working and any warnings for your entries.