CalculateRealEstateROI

Financing

How much down payment do I need?

3.5% FHA owner-occ; 5% conventional owner-occ; 20–25% conventional rental; 20–30% DSCR rental.

Reviewed by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Direct answer

3.5% FHA owner-occ; 5% conventional owner-occ; 20–25% conventional rental; 20–30% DSCR rental.

Expanded explanation

Down payment scales with loan type and occupancy. Smaller down = higher LTV = higher rate and PMI. Investment LLPAs add 50–150bps on conventional rentals.

Examples

  • $300k rental at 25% down = $75k + ~$8k closing + reserves.

More Financing questions