Down Payment Calculator
Enter the property price and your desired down payment percentage to see exactly how much cash you'll need upfront, and how much home loan you'll need to arrange for the rest.
Property Price & Down Payment
Most lenders require a minimum down payment (commonly in the 10-25% range depending on the loan amount and lender policy) -- check your lender's current Loan-to-Value (LTV) norms for the exact minimum that applies to you.
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Down Payment
Loan Amount Needed
How This Down Payment Calculator Works
Lenders in India typically finance a property purchase up to a certain Loan-to-Value (LTV) ratio, meaning you're required to pay the remaining portion -- the down payment -- from your own savings. This calculator simply splits your property price into the down payment amount (based on the percentage you choose) and the resulting loan amount, so you can plan how much cash you need to have ready.
Typical Down Payment Ranges
Many lenders in India require a minimum down payment of around 10-25% of the property value, with the exact minimum depending on the loan amount slab and the lender's own policy (higher-value loans often require a larger down payment percentage). This calculator lets you enter whatever percentage you're planning for -- whether that's your lender's minimum or a larger amount to reduce your loan burden -- rather than assuming one fixed figure.
Remember the Additional Purchase Costs
The down payment is separate from -- and in addition to -- costs like stamp duty, registration fees and brokerage. See our Property Purchase Cost Calculator to estimate the complete amount you'll need on top of the loan.
Is my data sent to any server?
No. Every calculation happens directly in your browser using JavaScript. Nothing you enter is ever transmitted to OurPaisa Tools' servers or stored anywhere -- close the tab and it's gone.
Disclaimer: This tool provides a general estimate for informational purposes only and does not represent any specific lender's actual loan-to-value policy. It does not constitute financial advice. Confirm your exact eligible loan amount and required down payment with your lender. See our Disclaimer and Terms of Use for more detail.