# Home Down Payment Calculator: Cash Needed Upfront > Home down payment calculator for India. Applies RBI loan-to-value limits, adds stamp duty, registration and GST, and shows the monthly saving needed. Source: https://trykosh.com/tools/down-payment-calculator Free tool - Budgeting and planning # Home down payment calculator: cash you need to buy a house A home loan never covers the full price. Work out the down payment RBI's lending rules require, add stamp duty, registration and other costs, and see how much to save each month until you buy. Rules checked 25 October 2026Free - no sign-upRuns in your browser Cash you need upfront INR 26,50,470 Down payment INR 18,52,200 + INR 7,98,270 in duty, fees and costs Home loan**INR 74.09 lakh** Loan to value**80%** Save each month**INR 35,295** Down payment **INR 18,52,200**Stamp duty and registration **INR 6,48,270**Other costs **INR 1,50,000** Price in 3 years at 5% a year INR 92,61,000 Most a bank may lend (RBI cap 80%) INR 74,08,800 Down payment (20%) INR 18,52,200 Stamp duty at 6% INR 5,55,660 Registration at 1% INR 92,610 Other costs INR 1,50,000 Total cash needed INR 26,50,470 Your savings by then INR 12,32,926 Still to save INR 14,17,544 Banks lend against the property value only. Stamp duty, registration and other costs come from your own pocket (RBI lets lenders include them only for homes up to INR 10 lakh). ## Upload your statement and Kosh does this for you. Upload a bank statement and Kosh builds this from your real spending: every UPI payment, EMI and subscription, sorted and priced. [Start free](/signup?via=tool-down-payment-calculator) ## How the home down payment calculator works RBI caps how much of a home's value a bank or housing finance company may lend, known as the loan-to-value (LTV) ratio: up to 90% for loans up to INR 30 lakh, 80% for loans above INR 30 lakh up to INR 75 lakh, and 75% for loans above INR 75 lakh. The calculator finds the largest loan these slabs allow for your price, and the minimum down payment is the rest. Lenders can and often do lend less, based on your income and the property. Enter the down payment you would like to make. If it is below the RBI minimum, the calculator raises it and tells you. Putting down more than the minimum cuts your EMI and total interest, but don't empty your emergency fund to do it. On top of the down payment come costs no lender will fund. Stamp duty is set by each state, commonly 5-7%, with concessions for women buyers in several states. Registration is often 1%, though some states cap it at a fixed amount. Under-construction homes attract GST of 5%, or 1% for affordable housing; ready-to-move and resale homes don't. Brokerage, legal checks, loan processing fees and society transfer charges go in 'other costs'. If you plan to buy in a few years, the price is grown at the property growth rate you choose, your current savings grow at your expected return, and the gap becomes a monthly saving figure. Cash needed = down payment + stamp duty + registration + GST + other costs Down payment the larger of your chosen % and (price − maximum loan under RBI LTV slabs) LTV slabs 90% up to INR 30 lakh loan, 80% up to INR 75 lakh, 75% above ## Worked example: Ankit and Pooja, a INR 1.1 crore flat in two years Ankit and Pooja like a INR 1.1 crore under-construction flat and plan to book in two years. At 6% a year it will cost INR 1,23,59,600 by then. They hoped to put down 15%, but a loan that size falls in RBI's 75% slab, so the bank can lend at most INR 92,69,700 and they need INR 30,89,900 down. Their state's 6% stamp duty is INR 7,41,576, registration INR 1,23,596, 5% GST INR 6,17,980, plus INR 3 lakh of other costs: INR 48,73,052 in all. Their INR 20 lakh grows to INR 22,99,612, leaving INR 25,73,440 to save, or INR 99,627 a month. Cash you need upfront INR 48,73,052 Down payment INR 30,89,900 + INR 17,83,152 in duty, fees, GST and costs RBI's loan-to-value rules need at least INR 30,89,900 (25%) as down payment here, so the calculator used that. Home loan**INR 92.7 lakh** Loan to value**75%** Save each month**INR 99,627** Down payment **INR 30,89,900**Stamp duty and registration **INR 8,65,172**GST **INR 6,17,980**Other costs **INR 3,00,000** Price in 2 years at 6% a year INR 1,23,59,600 Most a bank may lend (RBI cap 75%) INR 92,69,700 Down payment (25%) INR 30,89,900 Stamp duty at 6% INR 7,41,576 Registration at 1% INR 1,23,596 GST at 5% INR 6,17,980 Other costs INR 3,00,000 Total cash needed INR 48,73,052 Your savings by then INR 22,99,612 Still to save INR 25,73,440 Banks lend against the property value only. Stamp duty, registration and other costs come from your own pocket (RBI lets lenders include them only for homes up to INR 10 lakh). [Load this example into the calculator ->](?price=11000000&downPct=15&gst=5&otherCosts=300000&years=2&priceGrowth=6&existing=2000000#calculator) ## Good to know - Stamp duty, registration and other charges are not part of the property value for LTV purposes, so you must pay them yourself. RBI allows lenders to include them only when the home costs INR 10 lakh or less. - On a property worth INR 50 lakh or more, the buyer must deduct 1% TDS from the payment to the seller and deposit it. It is not an extra cost, but plan the paperwork. - Several states charge lower stamp duty when a woman is the buyer or co-owner. Check your state's current rates before you fix the registration. - Down-payment money has a fixed date, so keep it in deposits or debt funds as the purchase approaches, not in equity. - Home-loan principal (80C) and interest (up to INR 2 lakh, section 24(b)) are deductible only in the old regime for a self-occupied home. ## Frequently asked questions How much down payment is required for a home loan in India? At least 10% for loans up to INR 30 lakh, 20% for loans above INR 30 lakh up to INR 75 lakh, and 25% for larger loans, under RBI's loan-to-value rules. Lenders may ask for more based on your income, credit score and the property. Can I get a 100% home loan? No. RBI's LTV limits mean a bank or housing finance company can't lend the full property value. You also have to pay stamp duty, registration and other costs yourself, so the cash you need is always more than the down payment alone. Does the home loan cover stamp duty and registration? Not for most homes. RBI excludes stamp duty, registration and documentation charges from the property cost used for LTV, except where the home costs INR 10 lakh or less. Budget for them separately. Is GST payable on a flat purchase? Only on under-construction property: 5% for most homes and 1% for affordable housing, without input tax credit. Ready-to-move homes that have a completion certificate, and resale flats, carry no GST. Should I make a bigger down payment or keep the money invested? A bigger down payment means a smaller loan, lower EMIs and less interest. But keep enough aside for an emergency fund and the costs of moving in. If your loan rate is higher than what you can safely earn, paying more upfront usually makes sense. ## Sources and assumptions - [Reserve Bank of India](https://www.rbi.org.in/) - [Income Tax Department](https://www.incometax.gov.in/) Rules and rates last checked on 25 October 2026. Results are estimates for planning and education, not tax, legal or investment advice. Kosh is an educational financial planning tool by Primedepth Labs. It is not a SEBI-registered investment adviser and does not offer personalised investment advice, hold your money or execute trades. Markets carry risk; read scheme documents carefully and consult a registered adviser before acting.