25% Down Payment Mortgage Calculator
A strong equity position from closing day. May qualify you for better rates and significantly reduces total interest paid.
= $100,000
Payment Breakdown
Monthly Payment with 25% Down by Home Price
| Home Price | Down Payment | Loan Amount | Monthly P&I | Total Interest |
|---|---|---|---|---|
| $150,000 | $37,500 | $112,500 | $748 | $156,948 |
| $200,000 | $50,000 | $150,000 | $998 | $209,263 |
| $250,000 | $62,500 | $187,500 | $1,247 | $261,579 |
| $300,000 | $75,000 | $225,000 | $1,497 | $313,895 |
| $350,000 | $87,500 | $262,500 | $1,746 | $366,211 |
| $400,000 | $100,000 | $300,000 | $1,996 | $418,527 |
| $450,000 | $112,500 | $337,500 | $2,245 | $470,843 |
| $500,000 | $125,000 | $375,000 | $2,495 | $523,158 |
| $600,000 | $150,000 | $450,000 | $2,994 | $627,790 |
| $700,000 | $175,000 | $525,000 | $3,493 | $732,422 |
| $750,000 | $187,500 | $562,500 | $3,742 | $784,738 |
| $800,000 | $200,000 | $600,000 | $3,992 | $837,053 |
| $900,000 | $225,000 | $675,000 | $4,491 | $941,685 |
| $1,000,000 | $250,000 | $750,000 | $4,990 | $1,046,317 |
$400,000 Home with 25% Down — By Rate
| Rate | 15-Year | 30-Year | Interest Saved (15yr) |
|---|---|---|---|
| 5.5% | $2,451 | $1,703 | $171,987 |
| 6% | $2,532 | $1,799 | $191,832 |
| 6.5% | $2,613 | $1,896 | $212,235 |
| 6.75% | $2,655 | $1,946 | $222,635 |
| 7% | $2,696 | $1,996 | $233,159 |
| 7.25% | $2,739 | $2,047 | $243,804 |
| 7.5% | $2,781 | $2,098 | $254,565 |
| 8% | $2,867 | $2,201 | $276,414 |
25% vs 20% Down Payment Comparison
On a $400,000 home at 7% for 30 years:
| 25% Down | 20% Down | Difference | |
|---|---|---|---|
| Down Payment | $100,000 | $80,000 | $20,000 |
| Loan Amount | $300,000 | $320,000 | $20,000 |
| Monthly Payment | $1,996 | $2,129 | $133 |
| Total Interest | $418,527 | $446,428 | $27,902 |
True Cost with 25% Down on $400,000
Guide to Buying with 25% Down
Putting 25% down on a home means you need $100,000 upfront on a $400,000 home. Here's what to consider:
- No PMI required. With 25% down, you skip private mortgage insurance entirely, saving you $175/month compared to a typical PMI payment.
- Better rate potential. Lenders view larger down payments as lower risk, potentially offering you better rates.
- Your loan amount is $300,000. A smaller loan means less total interest over the life of the mortgage — $418,527 at 7% over 30 years.
- Don't drain your savings. Keep 3-6 months of expenses in reserve after closing. The $100,000 down payment shouldn't leave you cash-strapped for repairs, moving costs, or emergencies.
- Explore assistance programs. Many states and cities offer down payment grants or matched savings programs for first-time buyers — these can supplement your 25% down payment.
- Factor in closing costs. Budget an additional 2-5% ($8,000–$20,000) for closing costs on top of your $100,000 down payment.
Frequently Asked Questions — 25% Down Payment
Is 25% a good down payment?
Yes — 25% down eliminates PMI and gives you immediate equity. It's above the conventional threshold that most financial advisors recommend.
How much is 25% down on a $400,000 home?
25% of $400,000 is $100,000. Your loan amount would be $300,000, with a monthly payment of $1,996 at 7% for 30 years.
Do I need PMI with 25% down?
No — with 25% down, you've exceeded the 20% threshold and won't pay private mortgage insurance.
How does 25% down compare to 20% down?
With 25% down, your monthly payment is $133 lower than 20% down, and you save $27,902 in total interest. The trade-off is tying up more cash upfront.
What loan types accept 25% down?
All loan types accept this down payment level. Conventional loans are most common at 10%+. Compare loan types to find the best fit for your credit profile.
Should I save more or buy now with 25% down?
With 25% down, you're in strong shape. Buying now locks in current prices and rates. Just ensure you maintain 3-6 months of cash reserves after closing.
How long does it take to save 25% for a $400,000 home?
Saving $100,000 depends on your income and savings rate. At $1,000/month saved, it takes about 100 months (8.3 years). At $2,000/month, roughly 50 months.
Can I use gift money for my 25% down payment?
Yes — most loan types allow gift funds for down payments. Conventional loans may require you to contribute some of your own funds if putting less than 20% down. FHA and VA loans allow 100% of the down payment to come from gifts. You'll need a gift letter from the donor.