Select your down payment percentage, enter your monthly savings, and see exactly how long until you can buy — including closing costs and HYSA interest earned along the way.
A 20% down payment eliminates PMI (typically 0.5–1.5% of loan/year), but FHA loans allow 3.5% down. The "right" down payment depends on your timeline, PMI cost vs. returns on uninvested cash, and lender requirements. Closing costs are often forgotten — budget 2–3% on top of the down payment.