Down Payment Calculator: Calculate Your Down Payment

How far can your savings go to buy a house? Use NerdWallet’s free down payment calculator to find out.
Abby Badach Doyle
By Abby Badach Doyle 
Edited by Johanna Arnone Reviewed by Michelle Blackford

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You don’t need to put 20% down to buy a house. Some conventional loans require down payments as low as 3%. If you qualify for a USDA or VA loan, you can buy a house with no money down.

On the flipside, making a larger down payment lowers your monthly mortgage payment. Putting more money down can help you land a better interest rate, too. So how much should you put down on a house? Use NerdWallet’s free down payment calculator to find an amount that fits your budget.

Down payments: Quick tips and more resources

Saving for a down payment to buy a house can seem overwhelming, but small steps add up over time. Here’s a checklist of our best tips and other Nerdy resources to reach your money goals.

» MORE: Join NerdWallet to assess saving on your existing bills and help you reach your down payment goal faster.

Mortgage loans from our partners

Next Door Lending LLC - PURCHASE logo
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on Next Door Lending LLC

Next Door Lending LLC

5.0

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Next Door Lending LLC - PURCHASE logo

5.0

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Min. credit score 
580

Min. down payment 
0%

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on Next Door Lending LLC

Rocket Mortgage - PURCHASE logo
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on Rocket Mortgage

Rocket Mortgage

5.0

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Rocket Mortgage - PURCHASE logo

5.0

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580

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3.5%

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on Rocket Mortgage

NBKC - PURCHASE logo
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on NBKC

NBKC

5.0

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NBKC - PURCHASE logo

5.0

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Min. credit score 
620

Min. down payment 
0%

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on NBKC

New American Funding - PURCHASE logo
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on New American Funding

New American Funding

4.5

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New American Funding - PURCHASE logo

4.5

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500

Min. down payment 
3.5%

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on New American Funding

Veterans United - PURCHASE logo
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on Veterans United

Veterans United

4.5

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Veterans United - PURCHASE logo

4.5

NerdWallet rating 
Min. credit score 
620

Min. down payment 
0%

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on Veterans United

Mortgage loans from our partners

Next Door Lending LLC - PURCHASE logo
Check Rate

on Next Door Lending LLC

Next Door Lending LLC

5.0

NerdWallet rating 
Next Door Lending LLC - PURCHASE logo

5.0

NerdWallet rating 
Min. credit score 
580

Min. down payment 
0%

Check Rate

on Next Door Lending LLC

Rocket Mortgage - PURCHASE logo
Check Rate

on Rocket Mortgage

Rocket Mortgage

5.0

NerdWallet rating 
Rocket Mortgage - PURCHASE logo

5.0

NerdWallet rating 
Min. credit score 
580

Min. down payment 
3.5%

Check Rate

on Rocket Mortgage

NBKC - PURCHASE logo
Check Rate

on NBKC

NBKC

5.0

NerdWallet rating 
NBKC - PURCHASE logo

5.0

NerdWallet rating 
Min. credit score 
620

Min. down payment 
0%

Check Rate

on NBKC