Calculadora de Entrada Online Grátis
Required down payment, PMI threshold, and time to save goal
The Down Payment Calculator determines how much you need to save for a home down payment, whether you've crossed the 20% PMI threshold, and how long it will take to reach your savings goal at your current monthly savings rate.
Frequently Asked Questions
Sobre Esta Calculadora
The down payment is the largest single upfront cost in a home purchase — and the one with the most financial leverage. Putting down 20% instead of 5% eliminates PMI (Private Mortgage Insurance), reduces your loan amount by 15%, and results in a smaller monthly payment on a smaller balance at a lower effective rate.
PMI typically costs 0.5–1.5% of the loan amount per year. On a $400,000 loan, that's $2,000–6,000 per year added to your housing costs until you reach 20% equity. Crossing the 20% threshold is often worth prioritizing, and this calculator shows how much additional savings is needed to hit that threshold.
The time-to-save projection helps you plan concretely: if your target down payment is $80,000 and you can save $2,000/month, you'll reach it in 40 months (including interest on savings). Increasing your monthly saving by $500 cuts that timeline to 32 months — a concrete trade-off this tool makes visible.
A Calculadora de Entrada ajuda a ver como economizar para a casa própria.