Down Payment Savings Planner

Updated October 2026 · Rudy Flores

How long until you can buy? Enter what you have saved and what you can save each month to see the month you could reach your down payment and closing costs, and what saving a little more would change.

At $2,575,000, the price this tool starts with for Coronado, a 10% down payment is $257,500 before closing costs.

This is an estimate for planning. It is not a quote, an appraisal, a loan offer, or tax or legal advice, and Rudy is a real estate agent, not a lender or tax professional.

Ways to shorten the wait

• Ask about down payment assistance. California and local programs can add thousands to your cash, with rules on income and price.
• Check the loan type. Some loans need as little as 3% to 3.5% down, though a smaller down payment means a larger loan and usually mortgage insurance.
• Ask the seller for help with closing costs. In many sales the seller agrees to a credit, and the calculator lets you see how a gift or credit changes the goal.

Rudy can introduce you to a lender who explains your options clearly. Learn more in our buyer checklists.

More from Rudy

• Home Guides — practical guides, printable checklists and market insight
• All home tools — payment, affordability, rent vs buy, closing costs, refinance and more
• Printable checklists — buying, selling and moving
• Book a 15-minute call — talk it through with Rudy

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• Keep It as a Rental or Sell It? — Compare the first-year return of keeping your home as a rental with selling it and investing the cash.
• Downsizing Calculator with Prop 19 Tax Transfer — See the cash a move to a smaller home could free up, the change in monthly cost, and what carrying over your property tax base could save.
• Commute Check — real directions from a home to work or school
• Printable Neighborhood Sheets — a one-page snapshot of any ZIP code