What's the Down Payment on a $490,000 House?

Calculate the down payment for a 490,000 home.
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How much do I need to put down on a 490,000 home? A standard down payment is 20%. For a $490,000 house, that would be $98,000. Many home buying programs exist to allow for no or low down payments, such as VA loans, FHA loans, or first time home buyer loans. In some cases, PMI (private mortgage insurance) may be required for lower down payments.

Try the amortization schedule on the homepage to calculate a monthly mortgage payment and create a printable amortization schedule in PDF format.
Down Payment and Monthly Payment Chart Based on Down Payment Percentage
Percentage Down Down Payment Mortgage Amount Mortgage Payment (30 Years at 7.19%)
5% Down Payment on 490k $24,500 $465,500 $3,156.61
7.5% Down Payment on 490k $36,750 $453,250 $3,073.54
10% Down Payment on 490k $49,000 $441,000 $2,990.47
12.5% Down Payment on 490k $61,250 $428,750 $2,907.40
15% Down Payment on 490k $73,500 $416,500 $2,824.33
17.5% Down Payment on 490k $85,750 $404,250 $2,741.27
20% Down Payment on 490k $98,000 $392,000 $2,658.20
22.5% Down Payment on 490k $110,250 $379,750 $2,575.13
25% Down Payment on 490k $122,500 $367,500 $2,492.06
27.5% Down Payment on 490k $134,750 $355,250 $2,408.99
30% Down Payment on 490k $147,000 $343,000 $2,325.92
32.5% Down Payment on 490k $159,250 $330,750 $2,242.85
35% Down Payment on 490k $171,500 $318,500 $2,159.78
37.5% Down Payment on 490k $183,750 $306,250 $2,076.72
40% Down Payment on 490k $196,000 $294,000 $1,993.65
42.5% Down Payment on 490k $208,250 $281,750 $1,910.58
45% Down Payment on 490k $220,500 $269,500 $1,827.51
47.5% Down Payment on 490k $232,750 $257,250 $1,744.44
50% Down Payment on 490k $245,000 $245,000 $1,661.37
Speak with a lender and get a preapproval to learn how much you need to put down on a 490,000 home. A lender will be able to help you get qualified. Make sure to look at several mortgage quotes before choosing the best option.
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