How much house can your down payment buy?

Find your down payment amount below for exactly how much house it buys you at current rates.

$5K$10K$15K$20K$25K$30K$35K$40K$45K$50K$55K$60K$65K$70K$75K$80K$85K$90K$95K$100K$105K$110K$115K$120K$125K$130K$135K$140K$145K$150K$155K$160K$165K$170K$175K$180K$185K$190K$195K$200K
Educational tool only. Not financial advice. Assumes standard 30-year fixed financing at current market rates; your actual buying power depends on income, debt, and credit profile.
The part no calculator can tell you

Numbers like these tell you what you can afford. They cannot tell you whether a lender will say yes — and that varies more than almost anyone realises. In the complete 2025 federal record, approval rates across the 100 largest FHA lenders ran from 98.2% down to 21.3%. Same program, same year.

And it is not simply who applies where: holding state, loan amount, income, debt-to-income and loan-to-value constant, applicant mix explains only a 2.7× range in expected outcomes.

Which lenders approve most → Your metro's lenders → Apply to more than one? →

CFPB HMDA 2025, computed by FinanceRateCalc · rates reflect applicant mix as well as lender practice · historical observation, not a prediction · free, CC BY 4.0.

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FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.