Down payment is only part of it. See your full cash-to-close number — closing costs, prepaid items, and credits — and compare a 20% down payment against your own plan.
Property Details (optional — if you have one in mind)
Purchase & Loan
Closing Costs
Prepaid Items
Money collected at closing to fund your escrow account and cover the first stretch of ownership.
Credits Toward Cash Needed
Two down payment scenarios, side by side
Same price, same fees — just a different down payment. See how it changes the cash you bring to closing.
20% Down Payment
Down payment
Loan amount
Estimated monthly P&I
Total closing costs
Total prepaid items
Less credits
Total cash to close
Your Planned Down Payment
Down payment
Loan amount
Estimated monthly P&I
Total closing costs
Total prepaid items
Less credits
Total cash to close
This tool provides general, educational estimates only and is not a loan estimate, closing disclosure, or guarantee of actual costs. Lender fees, prepaid amounts, and local recording/transfer costs vary. Please consult your lender for an official Loan Estimate.