Tim Talks Real Estate ← All Tools
Free Tool · No Email Required

How much should you actually put down?

Everyone says "20% to avoid PMI" — but is draining your savings worth it? See 3%, 5%, 10%, and 20% side by side: the payment, the PMI, the cash you'd need, and exactly when PMI disappears.

$
%
$
$
$
Keep Your Numbers

Email me this comparison + the guide to picking your down payment

I'll send your side-by-side plus the plain-English guide to the real question — cash cushion vs. lowest payment. Free, no spam.

From a former mortgage pro who doesn't originate loans or take referral fees.

Not sure which numbers even apply to you? Take the 2-minute “Locked In or Locked Out?” quiz →

Not sure which one is right for you?

The best answer depends on your cash, your timeline, and your goals. Grab the free Playbook — or book a coaching session and we'll run your real numbers together.

Get the Free Playbook →

Estimates for education only — not a loan offer or financial/mortgage advice. Uses standard conventional-loan PMI tiers adjusted for credit; FHA, VA, and lender-specific pricing differ. PMI drop-off assumes you reach 20% equity through normal payments (home-value changes not modeled).