Home Loan Down Payment Calculator
Calculate the down payment and loan amount needed for a home purchase, based on the lender's loan-to-value (LTV) ratio.
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Your result
₹10,00,000
Down payment required
AI explanation
Formula
Down payment = home price × (1 − LTV%). Loan amount = home price × LTV%Worked example
₹50L home price, 80% LTV
| Field | Value |
|---|---|
| Home price | 5000000 |
| Loan-to-value (LTV) offered | 80 |
| Down payment required | 1000000 |
| Loan amount | 4000000 |
Assumptions
- RBI guidelines cap LTV at 90% for home loans up to ₹30 lakh, 80% for ₹30-75 lakh, and 75% above ₹75 lakh — actual LTV offered also depends on the lender and your credit profile.
- Informational only.
Frequently asked questions
What is loan-to-value (LTV)?
The percentage of the property value that a lender is willing to finance through the loan — the remainder must be paid upfront as your down payment.
What's the maximum LTV allowed in India?
RBI caps LTV at 90% for home loans up to ₹30 lakh, 80% for loans between ₹30-75 lakh, and 75% for loans above ₹75 lakh, though individual lenders may offer less based on your profile.
Should I put down more than the minimum down payment?
A larger down payment reduces your loan amount and total interest paid, but weigh this against keeping adequate emergency savings and other financial priorities.
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Sources
- Master Direction – Reserve Bank of India (Regulatory Framework for Housing Finance Companies) — Reserve Bank of India. Effective 17-02-2021, reviewed 13-09-2026.
This calculator provides a general estimate only and does not constitute financial advice.
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