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Plan your home purchase and see when you'll have enough saved.
Down Payment
$70,000
(20% of home price)
Closing Costs
$12,250
(~3.5% of home price)
Total Cash Needed
$82,250
Months to Save
17
Feb 2028
Remaining to Save: $32,250
At $2,000/month: 17 months
No PMI Needed
With 20% down, you avoid PMI (Mortgage Insurance). This saves thousands over the life of the loan.
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Down Payment
The upfront payment you make toward the purchase. Larger down payments reduce your loan amount and monthly payments. The conventional standard is 20%, but many lenders accept 3-10% for qualified buyers.
Closing Costs
Fees paid when finalizing your mortgage, typically 2-5% of the home price. These include appraisals, inspections, title insurance, attorney fees, and loan origination fees. Often negotiable with the seller or lender.
PMI (Private Mortgage Insurance)
Required when your down payment is less than 20%. PMI protects the lender if you default. Typical cost: 0.3-1.5% of loan amount annually. You can request PMI removal once you reach 20% equity in your home.
FHA vs. Conventional Loans
FHA loans allow as little as 3.5% down but require upfront and annual mortgage insurance premiums. Conventional loans typically require 5-20% down and PMI for less than 20%. FHA is often better for first-time buyers with limited savings.
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Example output — not real data
🎯
87%
Success Rate
💰
$48,200
Tax Savings
📈
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Sagery provides educational estimates, not financial advice. All projections are based on the assumptions you provide — actual results will vary. Consult a qualified financial advisor before making financial decisions.