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Cash-to-close planning

Your down payment is not the whole check.

Estimate the down payment, closing costs, prepaids, deposits, credits, and reserves—then compare how common down-payment options change the loan and payment.

Default 30-year rate: 7.28% · As of 2026-10-01 · Freddie Mac PMMS

Purchase and financing

Use your lender estimate when you have one. Until then, these are editable planning allowances.

Applied below 20% down. Actual conventional, FHA, VA, or USDA costs follow program-specific rules.

Closing-day assumptions

Credits generally cannot replace the required down payment.

Funds you expect to use

Quick comparison

Common down-payment options

These scenarios use the same rate and cost assumptions above. They are comparisons, not statements of loan eligibility.