---
title: "Down Payment Calculator — US, UK, Canada, Australia Minimums"
description: "Calculate required down payment by loan type. US FHA 3.5%, conventional 20%, UK 5–25%, Canadian CMHC thresholds, Australian LMI explained. Free, no ads."
url: "https://worldcalculators.org/calculators/down-payment/"
canonical: "https://worldcalculators.org/calculators/down-payment/"
---

# Down Payment Calculator

Calculate required down payment by loan type. US FHA 3.5%, conventional 20%, UK 5–25%, Canadian CMHC thresholds, Australian LMI explained. Free, no ads.

## Quick answer

US minimum: 3% (conventional) or 3.5% (FHA). UK: 5%. Canada: 5% (CMHC insurance required). Australia: 5% (LMI required). 20% down avoids mortgage insurance in all countries. On a $400K home, 20% = $80K down eliminates ~$200–$350/month in PMI/CMHC/LMI costs.

Source: https://worldcalculators.org/calculators/down-payment/
Markdown mirror of the HTML page. Prefer this URL for RAG; the interactive calculator still lives on the HTML page.