Buy
A larger down payment lowers the monthly payment and takes more of your savings out of reach. Tell us what you have and what you want left over, and we'll show you where that lands.
Everything you could put toward this purchase, before setting anything aside.
Your own target — nothing here judges whether it's the right one.
Market-rate assumptionFreddie Mac 30-yr fixed average · week of Sep 24, 2026
Sets the mortgage-insurance estimate. Self-reported; nothing is checked.
About $4,000 a year at this price.
About $1,400 a year at this price.
About $12,000 at this price.
Priced from loan-to-value and credit score, not typed in. At a 760+ score it runs about 0.41% a year at 5% down and 0.19% at 15% down. None at 20% down or more.
Estimated at 0.41% a year — 95% loan-to-value, 760+ credit score. Ends around year 12.
$65,000 left over, about 21 months of this payment.
Estimated at 0.28% a year — 90% loan-to-value, 760+ credit score. Ends around year 10.
$45,000 left over, about 15 months of this payment.
Your maximum, cushion intact
Estimated at 0.19% a year — 85% loan-to-value, 760+ credit score. Ends around year 7.
$25,000 left over, about 9.0 months of this payment.
No mortgage insurance at 20% down or more.
$20,000 short of the $25,000 you wanted to keep. Possible — just against your own target.
The tradeoff
Going from 5% down to 20% down lowers this estimated payment by $530 a month, and moves $60,000 more of your savings into the home, where it isn't easily reachable. The mortgage insurance at 5% down is estimated to end around year 12 on its own, so it isn't a permanent cost.
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Mortgage-insurance figures are illustrative and not quotes. Credit range is self-reported and unverified. Income, credit, and your other monthly debts aren't evaluated. Maintenance and utilities are excluded. Cash needed to buy assumes no seller credits and no deposits already paid.
Payments use a standard fixed-rate amortization at the term and rate shown. Mortgage insurance ends where the scheduled balance first reaches 78% of the original price, assuming no appreciation and no extra principal — a different payoff pattern ends it sooner or later. Cash needed to buy is the down payment plus closing costs and prepaids; moving and setup costs are shown separately since they're spent after closing, not at it.
Educational estimate. Not an offer, rate, or approval. Figures assume a primary residence. Kinship Mortgage is a licensed broker. See calculator methodology.