When will I have my down payment saved?
Give this tool your goal, what you've saved, and your monthly amount, and it hands back a month and year — a real date you can circle. It compounds your savings APY along the way, because a high-yield account automated on payday is the entire strategy. And remember: with FHA from ~3.5% down, 3–5% conventional programs, gift funds, and down payment assistance, your goal may be smaller than you think.
Down payment savings timeline
Turn "someday" into a date on the calendar.
Tip: a high-yield savings account, automated on payday, is the whole strategy. Boring wins.
Educational estimate, not a loan offer or financial advice. Rates, taxes, and program rules vary — a licensed professional can turn these ranges into real numbers for your situation.
Want a human to look at your numbers? BuyerMath is built by Gavin Guthrie of The Mortgage Collective — a free 15-minute "where do I stand?" call costs nothing and isn't a test you can fail.
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