Anzahlungsrechner
The detailed guide below is currently available in English.
How much down payment is enough?
Twenty percent down avoids private mortgage insurance and shrinks the loan, but first-time buyer programs accept far less — 3.5% on FHA, or even zero for VA and USDA loans. A smaller down payment buys a home sooner and keeps cash for repairs; a larger one lowers the payment and total interest. The right answer balances your timeline against the monthly budget you can sustain.
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Does the down payment include closing costs?
No. Plan for closing costs of roughly 2–5% of the purchase price in addition to the down payment, plus moving expenses and a cash reserve after move-in.
Where should I keep the money while saving?
Short timelines call for safety and liquidity: a high-yield savings account, money market fund, or short-term CDs. Investing a down payment you need within a few years risks arriving at purchase time with less than you put in.