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 $600,000 house is $120,000 — 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
$120,000
20% of $600,000
PMI typically applies below 20% down on conventional loans. Monthly payment estimate covers principal and interest only.
Estimated loan amount and monthly payment (principal & interest, 6.5% APR, 30-year term) at each common down payment level.
| Down Payment | Cash Needed | Loan Amount | Monthly Payment |
|---|---|---|---|
| 3% | $18,000 | $582,000 | $3,678.64 |
| 3.5% | $21,000 | $579,000 | $3,659.67 |
| 5% | $30,000 | $570,000 | $3,602.79 |
| 10% | $60,000 | $540,000 | $3,413.17 |
| 15% | $90,000 | $510,000 | $3,223.55 |
| 20% | $120,000 | $480,000 | $3,033.93 |
| 25% | $150,000 | $450,000 | $2,844.31 |