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Finance Calculators

Down Payment Calculator

Verified formula Updated Jun 2026 Private — runs on your device

Enter details
₹
%
Verified formula Private

Down payment amount

₹10,00,000

Loan amount needed
₹40,00,000

For general information only — not financial, tax, legal or medical advice. Verify before you rely on it.

How to use the Down Payment Calculator

The Down Payment Calculator works out your down payment amount, along with 1 related figure in an instant. Enter property price and down payment and the result updates as you type — it is free, needs no sign-up, and runs entirely in your browser so your figures stay private.

  1. Enter the property price.
  2. Enter the down payment.
  3. Read off your down payment amount, together with loan amount needed — the calculator updates automatically, with no button to press.

Formula

The Down Payment Calculator uses the formula:

Down payment amount = Property price × Down payment ÷ 100

Worked example

For example, with property price of ₹5,000,000 and down payment of 2%, the down payment amount is ₹10,00,000.

Inputs used
Property price ₹5,000,000
Down payment 2%
Results
Down payment amount ₹10,00,000
Loan amount needed ₹40,00,000

Results are estimates for educational use, not professional advice.

Key terms explained

Down payment
The upfront portion of a purchase price you pay yourself, with the rest financed by a loan.

Frequently asked questions

It depends on the lender and product, but 10–20% is common for home loans. On a 50,00,000 property, a 20% down payment is 10,00,000, leaving a 40,00,000 loan.

A larger down payment means a smaller loan, lower monthly payments and less interest paid overall. It can also help you qualify for better loan terms.

Loan-to-value (LTV) is the loan amount as a percentage of the price. A 20% down payment gives an 80% LTV. Lower LTVs are seen as less risky by lenders.

No. Stamp duty, registration, taxes and fees are extra. Budget for these on top of your down payment.

The Down Payment Calculator uses the formula: Down payment amount = Property price × Down payment ÷ 100. For example, with property price of ₹5,000,000 and down payment of 2%, the down payment amount is ₹10,00,000.

Enter the property price. Enter the down payment. Read off your down payment amount, together with loan amount needed — the calculator updates automatically, with no button to press.

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