How big should a down payment be?

It depends on your loan type and lender, common ranges run from a few percent to 20% of the home price; use whatever target your lender confirms for your situation.

Does this include closing costs?

No, it's just for the down payment itself; budget separately for closing costs, which are typically a few percent of the purchase price on top.

Free House Down Payment Savings Tracker Printable

A month-by-month log for saving toward a down payment. Log what you add each month and watch the running total build toward your target.

Down Payment Tracker
US Letter · PDF · Free, no signup

Download PDF

Month	Contribution	Running Total

How to Use This Printable

Write your down payment target at the top of your notes.
Log your contribution each month.
Add it to the previous Running Total for the new total.
Keep going until the running total hits your target.

Ideas for Using This Printable

Automate a transfer each payday so the contribution happens before you can spend it.
Pair with the Rent vs. Buy Worksheet while you're still deciding on timing.
Print a fresh sheet each year if saving takes longer than 12 months.

Related Printables

FAQ

How big should a down payment be?: It depends on your loan type and lender, common ranges run from a few percent to 20% of the home price; use whatever target your lender confirms for your situation.
Does this include closing costs?: No, it's just for the down payment itself; budget separately for closing costs, which are typically a few percent of the purchase price on top.