Calculadora de Enganche Gratis

Calcula cuánto necesitas ahorrar para el enganche de tu casa. Compara distintos porcentajes y su efecto en el pago mensual.

USD
%
USD
USD

Down Payment Needed

$70,000

Still Need to Save$40,000
Months to Save40
Resulting Loan Amount$280,000

Down Payment Needed vs Monthly Savings

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Fórmula

Down Payment Calculation

Down Payment = Home Price × Down Payment%

Months to Save = (Down Payment - Current Savings) / Monthly Savings

Common Down Payment Amounts

  • 20% — Avoids PMI (private mortgage insurance)
  • 10% — Common conventional minimum
  • 3.5% — FHA minimum
  • 0% — VA loans (eligible veterans)

    • Ejemplo Resuelto

    $350,000 home with 20% down, $30,000 saved, saving $1,000/month.

    1. 01Down payment = $350,000 × 20% = $70,000
    2. 02Still need = $70,000 - $30,000 = $40,000
    3. 03Months to save = $40,000 / $1,000 = 40 months
    4. 04Loan amount = $350,000 - $70,000 = $280,000

    Preguntas Frecuentes

    Do I need 20% down?

    No, many loans require as little as 3-5% down. However, putting less than 20% down typically requires PMI, adding $50-200/month.

    Aprender

    How to Calculate Mortgage Payments

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