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Down Payment Calculator
Min down per loan type + months-to-save calculator.
The right down payment depends on the loan type and what each percentage saves you. 3% Conventional has the lowest cash but highest PMI; 20% eliminates PMI but ties up cash; FHA 3.5% has lower credit barriers but ongoing MIP. ValiFit shows the down payment for each loan type plus a savings-rate calculator to project when you'll hit each threshold.
See down payment for a real listingInputs
- Home price
- Current savings
- Monthly savings rate
- Loan type interested in
Outputs
- Min down — FHA (3.5%)
- Min down — Conv 3%
- Min down — Conv 20% (no PMI)
- Months-to-save for each level
Formula
Down = home price × down %. Months to save = (target − current) ÷ monthly savings.
Federal Sources
ValiFit pulls these federal sources directly. We do not invent rates, fees, or limits — they come from the source agency.
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County-specific FHA loan limits, MIP, 3.5% down — all 50 states.
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Multi-loan-type affordability with simultaneous FHA, VA, Conv 5/10/20% scenarios.
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