Down Payment Calculator
A down payment calculator estimates the cash portion of purchase price and the remaining loan amount. It helps model acquisition cash, but it does not include closing costs, reserves, lender rules, or final financing terms.
Estimates are based on your inputs and assumptions. DealSharp does not provide financial, investment, legal, tax, or lending advice.
Run the number, then pressure-test the assumptions.
A down payment calculator estimates the cash portion of purchase price and the remaining loan amount. It helps model acquisition cash, but it does not include closing costs, reserves, lender rules, or final financing terms.
Use this page to understand the metric directionally, then compare it against financing, reserves, repair risk, cash flow, and your own constraints.
Use this working calculator as a starting point, then run the full deal in DealSharp when you need more inputs, side-by-side scenarios, and risk context.
Down payment = purchase price x down payment percentage
If purchase price is $300,000 and down payment is 25%, estimated down payment is $75,000 and estimated loan amount is $225,000.
Assumptions
Down payment scenario
Estimated outputs
Scenario snapshot
Scenario estimate based on the inputs shown here. Use the full DealSharp app to compare financing, repairs, vacancy, cash flow, and risk assumptions before deciding.
How to read this number
The useful move is not treating one number as a final answer. Use it to decide which assumptions deserve more review, then compare the result against cash flow, financing, reserves, repair risk, and your own constraints.
Inputs required
- Purchase price.
- Down payment percentage.
- Separate estimates for closing costs, repairs, and reserves.
Outputs explained
- Estimated down payment.
- Estimated loan amount before closing costs and reserves.
- Cash-needed context for LTV and cash-on-cash return.
Assumptions to review
- Down payment percentage is based on purchase price.
- Closing costs, rehab, reserves, and lender fees are modeled separately.
- Loan terms and approval depend on lender review.
What this tells you
- Down payment estimates how much equity goes into the purchase price.
- It helps connect purchase price to LTV and cash invested.
- It can help compare financing structures.
What this does not tell you
- It does not include all cash needed to close.
- It does not verify lender requirements or financing review.
Common mistakes
- Ignoring closing costs and reserves.
- Assuming the same down payment applies to every property type.
- Using down payment alone as total cash invested.
FAQ
Is down payment the same as cash to close?
No. Cash to close can include closing costs, prepaids, reserves, credits, and other settlement items.
How does down payment affect LTV?
Higher down payment usually lowers LTV if purchase price and valuation basis stay the same.
Run the full deal before deciding
This page helps with one metric or workflow. DealSharp is built for full real estate deal analysis: assumptions, financing, cash flow, repair scenarios, DSCR, cap rate, and risk flags based on your inputs.
Open DealSharpDisclaimer
DealSharp provides calculation and scenario-modeling tools for informational purposes only. Outputs are estimates based on your inputs and assumptions. DealSharp does not provide financial, investment, legal, lending, tax, or accounting advice. Verify important decisions with qualified professionals.