Save Money to Invest Logo
Free Calculator

Down Payment on a $250,000 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 $250,000 house is $50,000 — 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

$50,000

20% of $250,000

Home Price$250,000
Loan Amount$200,000
Est. Monthly Payment$1,264.14
PMI RequiredNo

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

$250,000 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%$7,500$242,500$1,532.76
3.5%$8,750$241,250$1,524.86
5%$12,500$237,500$1,501.16
10%$25,000$225,000$1,422.15
15%$37,500$212,500$1,343.14
20%$50,000$200,000$1,264.14
25%$62,500$187,500$1,185.13

Frequently Asked Questions

How much do I need for a down payment on a $250,000 house?
At the common 20% benchmark, a down payment on a $250,000 house is $50,000. You can put down less — 3.5% (FHA) is $8,750, and 3% (some conventional programs) is $7,500 — but anything below 20% on a conventional loan typically requires PMI.
What's the minimum down payment on a $250,000 house?
The minimum is usually 3%–3.5% depending on the loan program — $7,500 to $8,750 on a $250,000 house. VA and USDA loans can require $0 down for eligible borrowers.
How much down payment avoids PMI on a $250,000 house?
Putting down 20% — $50,000 — eliminates Private Mortgage Insurance on a conventional loan for a $250,000 house. Below that, expect to pay PMI until you reach 20% equity.
How does my down payment affect the monthly payment on a $250,000 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 $250,000 house.

More Tools

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