Down Pay Calc. Home Buyer Tool

Down Pay Calc instantly compares down payment options for FHA, VA, and Conventional loans - perfect for first-time home buyers and veterans. WONDERING HOW MUCH DOWN PAYMENT YOU NEED? Different loan types have different requirements. Our calculator shows you all options side-by-side so you can choose the best fit for your budget. LOAN TYPES COMPARED: • VA Loan: 0% down for eligible veterans • FHA Loan: 3.5% down (or 10% with lower credit) • Conventional: 3%, 5%, 10%, or 20% down KEY FEATURES: • Compare all loan types instantly • See PMI/MIP costs for each option • Calculate total cash needed at closing • Credit score impact on FHA requirements • VA eligibility toggle for veterans • Works offline - no account needed WHAT YOU'LL LEARN: • Exact down payment amount for each loan type • Monthly mortgage insurance costs • Which option requires the least cash upfront • How credit score affects your options PERFECT FOR: • First-time home buyers • Veterans and active military • Anyone comparing mortgage options • Low down payment seekers UNDERSTANDING THE COSTS: • PMI (Private Mortgage Insurance): Required for conventional loans under 20% down • MIP (Mortgage Insurance Premium): Required for all FHA loans • VA Funding Fee: One-time fee for VA loans (can be financed) No sign-up required. No data collected. Just clear, honest comparisons. Download now and find your path to homeownership!