Save Money to Invest Logo
Free Calculator

Down Payment on a $200,000 House

See exactly how much cash you need upfront at common down payment percentages — then adjust the numbers below to match your own loan.

Quick Answer

A 20% down payment on a $200,000 house is $40,000 — the standard amount to avoid PMI. Lower down payments (3%–10%) are possible with the right loan program.

Home Details

$
%
%

Your Estimate

Down Payment Needed

$40,000

20% of $200,000

Home Price$200,000
Loan Amount$160,000
Est. Monthly Payment$1,011.31
PMI RequiredNo

PMI typically applies below 20% down on conventional loans. Monthly payment estimate covers principal and interest only.

$200,000 House: Down Payment by Percentage

Estimated loan amount and monthly payment (principal & interest, 6.5% APR, 30-year term) at each common down payment level.

Down PaymentCash NeededLoan AmountMonthly Payment
3%$6,000$194,000$1,226.21
3.5%$7,000$193,000$1,219.89
5%$10,000$190,000$1,200.93
10%$20,000$180,000$1,137.72
15%$30,000$170,000$1,074.52
20%$40,000$160,000$1,011.31
25%$50,000$150,000$948.10

Frequently Asked Questions

How much do I need for a down payment on a $200,000 house?
At the common 20% benchmark, a down payment on a $200,000 house is $40,000. You can put down less — 3.5% (FHA) is $7,000, and 3% (some conventional programs) is $6,000 — but anything below 20% on a conventional loan typically requires PMI.
What's the minimum down payment on a $200,000 house?
The minimum is usually 3%–3.5% depending on the loan program — $6,000 to $7,000 on a $200,000 house. VA and USDA loans can require $0 down for eligible borrowers.
How much down payment avoids PMI on a $200,000 house?
Putting down 20% — $40,000 — eliminates Private Mortgage Insurance on a conventional loan for a $200,000 house. Below that, expect to pay PMI until you reach 20% equity.
How does my down payment affect the monthly payment on a $200,000 house?
A bigger down payment shrinks your loan amount dollar-for-dollar, which lowers your monthly principal and interest payment. See the table below for exactly how much each down payment level changes the monthly cost on a $200,000 house.

More Tools

Full Down Payment Calculator →Mortgage Calculator →Home Affordability Calculator →