ZenMarg calculator
Home loan down payment calculator
Estimate the minimum down payment and total cash needed for a property purchase. Keep extra costs blank until you have current figures.
This simplified estimate applies RBI loan-to-value limits to the property price. Lenders may lend less and usually lend on the agreement value, not including stamp duty or registration.
Get a lender-wise eligibility reviewHow this is calculated
The calculator applies the inputs you provide to the relevant loan formula and shows an illustrative result. It does not account for every lender policy, fee, tax, insurance or property-specific condition.
Assumptions
- The simplified LTV bands are an illustrative planning aid, not a sanction or promise.
- Stamp duty and registration are not prefilled because current Karnataka rates should be checked separately.
- A lender may use its own valuation and lending policy.
Frequently asked questions
Does the loan cover stamp duty and registration?
Usually, lenders calculate the loan against the property value or agreement value and may exclude purchase taxes and registration costs. Confirm the treatment with the lender.
Why is my lender offering less than the calculator?
Credit profile, income, property valuation, lender policy and the agreement value can reduce the amount available.
What counts as extra cash needed?
Consider stamp duty and registration, interiors, moving costs and other purchase expenses. Enter only figures you have verified.
Is the surplus a guaranteed buffer?
No. It is only the difference between your entered savings and this simplified estimate; keep a separate contingency buffer.
Continue exploring
Estimate only. Not a loan offer or approval. Your lender's figures may differ.