Free Down Payment Calculator - Plan Your Home Purchase Savings for 2025

Our free down payment calculator for 2025 helps you create a realistic savings plan for your home purchase by calculating exactly how much you need, how long it will take, and the monthly savings required to reach your goal. This comprehensive tool factors in home price appreciation, savings account interest, closing costs, and emergency fund requirements to give you a complete picture. Compare different down payment scenarios from 3.5% FHA minimum to 20% conventional, see how PMI affects your monthly payments, and discover the optimal down payment strategy for your financial situation. Whether you're starting from zero or already have savings, get a personalized roadmap to homeownership.