Calculadora de Enganche — 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. Down payment = $350,000 × 20% = $70,000
    2. Still need = $70,000 - $30,000 = $40,000
    3. Months to save = $40,000 / $1,000 = 40 months
    4. Loan amount = $350,000 - $70,000 = $280,000