💰 Down Payment Optimizer
Compare different down payment scenarios to find the sweet spot between monthly payment, PMI costs, and opportunity cost of capital.
Home Details
Your Funds
Total savings you could use for down payment + closing costs
3-6 months expenses recommended
Opportunity Cost
What you'd earn investing the extra cash (e.g., index funds)
Annual PMI as % of loan, typically 0.3%-1.5%
Maximum Down Payment
$0
(0%)
Down Payment Comparison
Total Cost Over 10 Years
Pro Tip: Putting 20% down avoids PMI, but if you can earn more investing the difference than you'd save on PMI, a lower down payment might be optimal.