Handpenningskalkylator

Beräkna hur mycket handpenning du behöver och skapa en sparplan för att nå ditt bostadsägandemål.

Property & Savings

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Sparplan

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Estimated annual return on savings

Enter your home price, target down payment, and savings plan to see how much you need upfront and when you'll reach your goal.

Komplett användarhandbok

What is a Down Payment?

A down payment is the portion of the home price you pay upfront in cash. It reduces your loan amount and can lower your monthly payment and interest cost. Conventional loans often require 5–20%; 20% or more typically avoids Private Mortgage Insurance (PMI). FHA loans allow as little as 3.5%.

PMI and Closing Costs

PMI (Private Mortgage Insurance)

Required when you put less than 20% down. It protects the lender and typically costs 0.5–1% of the loan amount per year until you reach 20% equity.

Stängningskostnader

Fees for appraisal, title insurance, lender fees, etc. Usually 2–5% of the home price. Budget for them in addition to your down payment.

Hur man använder den här kalkylatorn

  1. Enter the home price and your target down payment percentage.
  2. Set interest rate, loan term, and estimated closing cost percentage.
  3. Enter current savings and how much you can save each month; add savings interest rate if your money earns interest.
  4. Click Calculate to see total needed, PMI impact, and when you'll reach your goal.
  5. Compare different down payment scenarios in the table.

Förstå diagrammen

The first chart shows how your total upfront cost is split between down payment and closing costs. The second chart projects your savings over time toward your goal; the horizontal line is your target amount.

Viktiga anmärkningar

  • This tool is for estimation only. Actual rates, PMI, and closing costs depend on the lender and your situation.
  • Savings projection assumes consistent monthly contributions and a constant interest rate.

Handpenningstips

  • Save at least 20% to avoid PMI when possible.
  • Use a dedicated savings account and consider first-time homebuyer programs.
  • Keep an emergency fund after purchase.

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