Down Payment Calculator

Banks lend only part of a home’s price. The rest, the down payment, comes from you, along with stamp duty and registration, which banks do not finance.

Leave empty to use the highest loan RBI allows.
Varies by state, usually 5% to 8%. Banks do not finance it.
Results update as you type.

Cash you need upfront

₹16,20,000

about 16.2 lakh

Down payment
₹12,00,00020%
Stamp duty + registration
₹4,20,000
Loan
₹48,00,000highest RBI allows

Add brokerage, legal fees, processing fees and interiors to your budget too.

About this calculator

Enter the price, and either the loan you plan to take or leave it empty to use the RBI maximum. Add your state’s stamp duty and registration to see the total cash you need.

How to use it

  1. Enter the property price.
  2. Enter the loan, or leave it empty.
  3. Enter stamp duty plus registration for your state.

The formula

Cash upfront = price − loan + price × stamp duty %
loan
up to 90%, 80% or 75% of the price by loan size
stamp duty
state stamp duty plus registration, usually 5% to 8%

Worked example

₹60 lakh home

  1. RBI allows a loan of up to ₹48 lakh (80%).
  2. Down payment = ₹12 lakh; stamp duty and registration at 7% = ₹4.2 lakh.
  3. Cash needed upfront: ₹16.2 lakh.

What the result means

Plan for brokerage, legal fees, interiors and moving too.

Assumptions

  • Stamp duty is a flat percentage of the price.

Limitations

  • Stamp duty differs by state, city, and sometimes for women buyers.

Frequently asked questions

How much down payment is needed for a home loan?

At least 10% for loans up to ₹30 lakh, 20% for ₹30–75 lakh, and 25% above.

Do banks finance stamp duty?

No, except for properties under ₹10 lakh.

Is a bigger down payment better?

It lowers the EMI and interest, but keep an emergency fund aside.

For information only. This calculator gives estimates based on the figures you enter and the assumptions listed above. It is not financial advice. Actual amounts depend on the lender’s or institution’s terms, fees, rounding and rate changes. Please confirm with them before you decide.

Last reviewed on 1 October 2026. Found a mistake? Tell us.