Real Estate Calculators

Down Payment Calculator

The price tag is not what you pay upfront. A property purchase needs a down payment, purchase fees and often a loan. This calculator breaks down exactly how much cash you need before you sign anything.

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How it works

The down payment is the price times the down payment percentage. Purchase fees (notary, registration, taxes) are the price times the fees percentage. The loan needed is the price minus the down payment, and total upfront cash is the down payment plus fees.

Worked example

Example: €250,000 property, 20% down, 8% fees → down €50,000, fees €20,000, loan €200,000.

Recommendations

Aim for 20% down to avoid private mortgage insurance in many markets.
Budget 5–10% of the price for fees and taxes — they catch buyers off guard.
Keep an emergency buffer after the purchase; don't empty your accounts.

Tips & advice

Higher down payment = lower rate and smaller monthly payment.
Fees are often financed into the loan — know whether yours are.
In some markets, a 10% down payment is negotiable; compare lenders.

Next steps & suggestions

Check the loan payment with the Amortization Calculator.
See what you can borrow with the Borrowing Capacity Calculator.
Evaluate the purchase as an investment with the Rental Yield Calculator.

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Rental Yield Calculator

Is a rental property worth it? The answer starts with yield. This calculator gives you the gross yield everyone quotes, then the net yield that actually reflects your costs — the number that matters.

Down Payment Calculator

It is 100% free, private and requires no signup.

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Help Center

Frequently Asked Questions

Gross yields of 6–8% are considered good in most markets, and 8–10% is excellent. Always compare net yield after costs for a true picture.

A larger down payment reduces the amount financed, lowers monthly payments and total interest, and can unlock better mortgage rates.

Yes — every calculator is 100% free, with no signup, no limit and no hidden cost.

No. All calculations run instantly in your browser. Your inputs are never sent to a server or saved.

They use standard financial formulas and are ideal for estimates. Actual figures can vary due to taxes, fees and local rules, so confirm critical numbers with a professional.