Home Loan Cash Required Calculator
Estimate how much cash you may need upfront to purchase a home, including your down payment, stamp duty, registration and other purchase costs.
Enter Property & Loan Details
Enter the combined percentage applicable to your location and property transaction.
Examples: legal/documentation charges, brokerage, inspection or other buyer costs.
Estimated Cash Requirement
Down Payment₹10,00,000
Home Loan Amount₹40,00,000
Stamp Duty + Registration₹3,50,000
Total Cash Required₹14,50,000
Estimated Monthly EMI₹34,713
Loan-to-Value (LTV)80.00%
Property Funding Split
Home LoanUpfront Cash
| Cost Component | Estimated Amount |
|---|---|
| Property value | |
| Down payment | |
| Home loan | |
| Stamp duty + registration | |
| Other purchase costs | |
| Total cash required upfront |
Your total cash requirement is more than the down payment because transaction and purchase costs are generally paid separately. Actual stamp duty, registration, taxes, brokerage, legal fees and lender charges vary by state, property type and transaction.
Check Your Loan Options
Cash Required at Different Down Payments
| Down Payment | Down Payment Amount | Home Loan | Stamp + Registration | Other Costs | Total Cash Required |
|---|
How it works: Total cash required = Down payment + Stamp duty & registration + Other purchase costs. The calculator assumes stamp duty/registration and other costs are paid from your own funds and are not added to the home loan.