Best Down Payment Apps

0+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated June 2026

If you already know Loan Calculator, this is the deeper bench. 0+ down payment apps for iPhone, all reviewed and ranked by user rating, recency, and download trend as of June 2026.

Compare top Down Payment Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Loan Calculator - Loan2MeLoan Calculator - Loan2MeFree4.8β˜… (8.2K)NoYesAug 2026
2Gravy: Homebuying for rentersGravy: Homebuying for rentersFree4.8β˜… (663)YesYesAug 2026
3Afterpay: Pay over timeAfterpay: Pay over timeFree4.9β˜… (752K)NoNoAug 2026
4Snap FinanceSnap FinanceFree4.9β˜… (25K)NoNoAug 2026
5Mortgage Calculator ToolMortgage Calculator ToolFreeβ€”YesNoMay 2026
6Cash AppCash AppFree4.8β˜… (8.6M)NoNoAug 2026
7Mortgage Payment CalcMortgage Payment CalcFree4.3β˜… (10)YesNoMay 2026
8First House FinancingFirst House FinancingFree5.0β˜… (1)YesYesJul 2026

Top Picks for Down Payment

Loan Calculator - Loan2Me#1

Loan Calculator - Loan2Me by Jeffrey Williams

Quick and Easy Loan Calculator
Editor's Choice
πŸ’° Finance
4.8😊(8.2K ratings)
FreeIn-App Purchases
Loan Calculator - Loan2Me screenshot 1
Loan Calculator - Loan2Me screenshot 2
Loan Calculator - Loan2Me screenshot 3
Loan Calculator - Loan2Me screenshot 4
Loan Calculator - Loan2Me screenshot 5
Loan Calculator - Loan2Me screenshot 6

This app helps you quickly calculate loan payments, affordability, and potential savings. It offers detailed amortization schedules and allows for scenario planning by adjusting loan parameters. Advanced features include expense breakdowns for mortgages and vehicle loans, plus data synchronization and custom report generation.

What We Love

  • πŸ‘ Easy to use
  • πŸš€ Accurate and quick calculations
  • πŸ’‘ Helpful for financial planning
  • πŸ”’ No data tracking or selling

Room to Improve

  • πŸ› Occasional data loss after updates
  • πŸ’‘ Lack of currency and language options
  • πŸ’‘ Missing features like taxes, insurance, and PMI calculations
Gravy: Homebuying for renters#2

Gravy: Homebuying for renters by Gravy

Homeownership starts here
Strong Contender
πŸ’° Finance
4.8😐(663 ratings)
FreeAdsIn-App Purchases
Gravy: Homebuying for renters screenshot 1
Gravy: Homebuying for renters screenshot 2
Gravy: Homebuying for renters screenshot 3
Gravy: Homebuying for renters screenshot 4
Gravy: Homebuying for renters screenshot 5
Gravy: Homebuying for renters screenshot 6

This app helps renters become homeowners by earning rewards on rent, saving for down payments, and tracking credit scores. Connect with experts and assemble your homebuying team to make homeownership a reality.

What We Love

  • πŸ’° Effective savings tool for down payment goals
  • πŸ‘ Simple and intuitive user interface
  • πŸš€ Quick and easy account setup
  • 🎁 Rewards for paying rent

Room to Improve

  • πŸ› Address update functionality broken
  • πŸ› Lease addition/reactivation errors
  • 😞 Misleading marketing claims about cash back
Afterpay: Pay over time#3

Afterpay: Pay over time by Afterpay

Shop Now. Split your payments.
Worth Considering
πŸ›οΈ Shopping
4.9😐(752K ratings)
Free
#30in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

What We Love

  • πŸš€ Convenient payment plan
  • πŸ’³ No interest or hidden fees
  • 🀝 Good customer service (initially)
  • πŸ“ˆ Increasing credit limit with usage

Room to Improve

  • πŸ› App/website technical issues
  • πŸ”’ Security and privacy concerns
  • πŸ€– Lack of human customer support

More Down Payment apps to explore

4
Snap Finance
Snap Finance
Snap Finance
No credit? Shop now, pay later
Free

Apply for lease-to-own financing up to $5,000 with no credit check required. Shop for furniture, electronics, and more, and pay later. Manage your lease, payments, and view transactions securely.

Apply for financing up to $5,000No credit check requiredShop for furniture, electronics, and more
πŸ›οΈ Shopping
(25K)
free
5
Mortgage Calculator Tool
Mortgage Calculator Tool
Mortgage Calculator Tool
Find your dream home with us
Free
🌟 Lifestyle
(0)
6
Cash App
Cash App
Cash App
Money. Debit Card. Bitcoin.
Free

Easily send and receive money or bitcoin instantly. Save by rounding up change, invest in stocks or bitcoin, and get paid up to two days early with direct deposit. Features a customizable debit card with exclusive discounts.

Send & receive money/bitcoin instantlyRound up spare change to saveInvest in stocks, ETFs, and bitcoin
πŸ’° Finance
(8.6M)
free with in-app purchases
7
Mortgage Payment Calc
Mortgage Payment Calc
Mortgage Payment Calc
Home Loan Amortization Tracker
Free

Calculate mortgage payments, loan amortization, and affordability with detailed schedules. Manage multiple loans, track progress, and set payment reminders. Save results and back up data securely.

Mortgage, loan, and affordability calculatorsDetailed payment schedulesLoan management and progress tracking
πŸ”§ Utilities
(10)
ad-supported
8
First House Financing
First House Financing
First House Financing
Educational home mortgage app!
Free

This app educates users on the homeownership process, covering loan prequalification, negotiation, and down payment assistance programs. It aims to empower individuals to understand mortgage requirements and improve their chances of loan approval.

Home loan prequalification guidanceLoan term negotiation educationDown payment assistance program locator
πŸ“š Education
(1)
free with in-app purchases
9
Foyer Home Savings
Foyer Home Savings
Foyer Home Savings
The entryway to homeownership
Free

This app helps first-time homebuyers plan and save for their dream home. It offers personalized savings plans, high-yield savings accounts with matching rewards, and connections to real estate experts. Users can also explore state-specific tax programs for homeownership.

Personalized savings plansHigh-yield savings account (up to 3.33% APY)Deposit matching rewards (up to 6%)
πŸ’° Finance
(395)
free
10
New American Funding
New American Funding
New American Funding
My Mortgage App
Free

Manage your home loan with this app, offering 24/7 access to loan details, payment options, and property insights. Track your balance, payment history, and escrow information. Discover your home's equity and explore related housing market data.

Access loan informationMake paymentsReview payment history
πŸ’Ό Business
(19K)
free
11
Loan Amortization Calculator
Loan Amortization Calculator
Loan Amortization Calculator
Interest & Payment Schedule
Free

Calculate loan payments, interest, and principal breakdown over time. Explore the impact of extra payments on your total loan cost. Ideal for mortgages, auto loans, and personal credit.

Loan payment breakdownInterest and principal estimationExtra payment impact analysis
πŸ’° Finance
(618)
free with in-app purchases
12
Surveys On The Go
Surveys On The Go
Surveys On The Go
Quick cash for your opinions!
Free

Earn real cash by sharing your opinions through surveys. Get paid instantly for your feedback and maximize your earnings by enabling notifications and location services. Start cashing out once you reach $10.

Earn real cash, not pointsSurveys pay $1-$10+Maximize earnings with notifications and location services
🌟 Lifestyle
(93K)
free with in-app purchases
13
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Zip - Buy Now, Pay Later
Shop Now & Pay Over Time
Free

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

Split payments into 4 or 8 installmentsBi-weekly payment scheduleVirtual and physical payment cards
πŸ›οΈ Shopping
(853K)
free with in-app purchases
14
Your Mortgage Online
Your Mortgage Online
Your Mortgage Online
by DMI Software, Inc
Free

Manage your mortgage with ease. Make payments, track escrow accounts, taxes, and insurance. Access 24/7 support for a seamless mortgage management experience.

Online paymentsEscrow account managementTax and insurance tracking
πŸ’° Finance
(31K)
free
15
Payment Calculator - Repayment
Payment Calculator - Repayment
Payment Calculator - Repayment
Amortization, Mortgage, Loan
Free

Easily calculate monthly loan payments based on loan term or desired monthly amount. Generates a detailed payment schedule for clarity. Designed for intuitive and straightforward use.

Monthly payment calculationLoan term inputMonthly payment input
πŸ’° Finance
(23)
free with in-app purchases
16
Baseeta | Split it your way
Baseeta | Split it your way
Baseeta | Split it your way
Anywhere without down payment.
Free

Split purchases locally or internationally with flexible payment plans up to 36 months. Make unlimited purchases without a down payment and pay only for what you buy. Your unused limit is free and renewed with each payment.

Split purchases anywhereFlexible payment plans (3-36 months)No down payment required
πŸ’° Finance
(44)
ad-supported
17
Cherry: The Smarter Way to Pay
Cherry: The Smarter Way to Pay
Cherry: The Smarter Way to Pay
Make payments and manage plans
Free

Manage multiple payment plans easily and make payments in seconds. Track your progress and plan for the future with no surprises. Access health and wellness services through manageable payment plans.

Manage multiple payment plansMake payments in secondsTrack payment progress
πŸ’° Finance
(297)
free
18
UHM Mortgage
UHM Mortgage
UHM Mortgage
by Union Home Mortgage Corp
Free

Manage your mortgage accounts conveniently on the go. Monitor loan balances, schedule payments, and view your home's estimated value and neighborhood data. Includes calculators for interest savings and payoff planning.

Monitor loan balance and activitySchedule one-time and recurring paymentsView estimated property value and equity
πŸ’° Finance
(7.2K)
free
19
Cornerstone Home Lending
Cornerstone Home Lending
Cornerstone Home Lending
by Cornerstone Capital Bank, SSB
Free

Manage your mortgage account securely from your mobile device. Make payments, view escrow details, access statements, and communicate with customer support. Offers educational resources for mortgage management.

Make and view paymentsAccess escrow informationView statements and tax documents
πŸ’° Finance
(4.3K)
free
20
Club720
Club720
Club720
Find funding for your future
Free

This platform helps users discover funding, create a plan, and connect with professionals for homeownership. It offers pre-qualification, coaching, and access to down payment assistance programs. Learn through workshops and tools designed for various stages of the homeownership journey.

Discover funding programsCreate a personalized planConnect with coaches and professionals
πŸ’° Finance
(35)
free with in-app purchases

FAQ about Down Payment

What are the best down payment apps for iPhone?
Loan Calculator - Loan2Me tops our down payment apps ranking as of June 2026, with a 4.8-star average from 8.2K App Store ratings, and it's free to download.
Yes β€” 20 of the top down payment apps we rank are free to download, including Loan Calculator - Loan2Me and Gravy: Homebuying for renters.
Loan Calculator - Loan2Me has no ads and offers in-app purchases, according to its App Store listing as of June 2026.
This app is a comprehensive loan calculator designed to help users quickly determine loan payments, assess loan affordability, and explore potential savings. It provides detailed amortization schedules and allows for scenario planning by adjusting various loan parameters. The app also offers specialized input screens for mortgage and vehicle loans, including expenses like down payments and taxes.
Key features include calculating loan payments based on amount, interest rate, and term; determining affordability by desired monthly payment; visualizing how interest rates and loan terms affect payments and savings; and generating detailed amortization schedules. Pro features offer advanced input screens, iCloud synchronization, and custom report generation in various formats.