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Information only. DPA Finder is not a lender or a government agency, and is not affiliated with HUD or any housing agency. Always confirm eligibility with the program administrator.

Down Payment & Cash-to-Close Calculator

Estimate how much cash you need to buy a home, and how much a down payment assistance program could cover. Everything runs in your browser and nothing is saved.

Your loan type sets this. Ask your lender; for example FHA's minimum is commonly 3.5% with a qualifying credit score.

An assumption you can change. Your lender's Loan Estimate shows the real number.

Use the amount listed on your state's program. Many are a % of the price or loan.

Optional. Used only for the principal and interest estimate (30 years). Excludes taxes, insurance and mortgage insurance.

Estimates only, not a loan offer or advice. Assistance that is a repayable or deferred loan must be paid back on its terms. Confirm every figure with your lender and the program administrator. A HUD-approved housing counselor ↗ can review it with you for free or low cost.