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Down Payment on a $400,000 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 $400,000 house is $80,000 — the standard amount to avoid PMI. Lower down payments (3%–10%) are possible with the right loan program.

Home Details

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Your Estimate

Down Payment Needed

$80,000

20% of $400,000

Home Price$400,000
Loan Amount$320,000
Est. Monthly Payment$2,022.62
PMI RequiredNo

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

$400,000 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%$12,000$388,000$2,452.42
3.5%$14,000$386,000$2,439.78
5%$20,000$380,000$2,401.86
10%$40,000$360,000$2,275.44
15%$60,000$340,000$2,149.03
20%$80,000$320,000$2,022.62
25%$100,000$300,000$1,896.20

Frequently Asked Questions

How much do I need for a down payment on a $400,000 house?
At the common 20% benchmark, a down payment on a $400,000 house is $80,000. You can put down less — 3.5% (FHA) is $14,000, and 3% (some conventional programs) is $12,000 — but anything below 20% on a conventional loan typically requires PMI.
What's the minimum down payment on a $400,000 house?
The minimum is usually 3%–3.5% depending on the loan program — $12,000 to $14,000 on a $400,000 house. VA and USDA loans can require $0 down for eligible borrowers.
How much down payment avoids PMI on a $400,000 house?
Putting down 20% — $80,000 — eliminates Private Mortgage Insurance on a conventional loan for a $400,000 house. Below that, expect to pay PMI until you reach 20% equity.
How does my down payment affect the monthly payment on a $400,000 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 $400,000 house.

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